HDFC Bank, India’s largest private lender, has updated its fixed deposit (FD) interest rates for deposits under ₹3 crore.
The new rates are effective from December 17, 2025.
The revision comes after the RBI cut the repo rate by 0.25% in December, reducing it from 5.50% to 5.25%.
These changes aim to benefit both regular customers and senior citizens, offering slightly higher interest rates for the latter.
Interest Rates for Short and Medium-Term Deposits
7 to 29 days: 2.75% for regular customers, 3.25% for senior citizens
30 to 60 days: 3.25%–4.25% for general public, 3.75%–4.75% for senior citizens
90 days to 6 months: 4.25% for general public, 4.75% for senior citizens
6 months 1 day to 1 year: 5.50%–5.75% for regular customers, 6.00%–6.25% for senior citizens
Medium-term FDs now offer attractive returns, making it a good option for those looking for higher interest within a year.
Interest Rates for Long-Term Deposits
Longer-term deposits remain stable and lucrative:
1 year to 3 years: 6.25%–6.45% for general customers, 6.75%–6.95% for senior citizens
3 years to 5 years: 6.40% for regular customers, 6.90% for senior citizens
5 to 10 years: 6.15% for general public, 6.65% for senior citizens
These long-term rates are ideal for customers planning to invest for several years, especially senior citizens looking for higher returns.
Why This Matters
Lower repo rates by RBI often lead banks to revise FD rates.
Senior citizens benefit from slightly higher interest, giving them better returns.
HDFC’s new rates make it easier to plan short-term and long-term investments with guaranteed returns.