Breaking news has arrived! HDFC has introduced its new updated Fixed Deposit (FD) interest rates for 2025, offering significant benefits. The moment people had been waiting for has finally arrived today.
HDFC- Recent Rate Revision (December 2025)
HDFC Bank has cut FD interest rates effective 17 December 2025, following a similar move by SBI. New rates apply for deposits less than ₹3 crore. (The Economic Times)
HDFC Bank FD Interest Rates 2025
(For deposits below ₹3 crore — general public & senior citizens)
| Tenure | General Public Rate (% p.a.) | Senior Citizens Rate (% p.a.) |
| 7–14 days | ~2.75% | ~3.25% |
| 15–29 days | ~2.75% | ~3.25% |
| 30–45 days | ~3.25% | ~3.75% |
| 46–60 days | ~4.25% | ~4.75% |
| 61–89 days | ~4.25% | ~4.75% |
| 90 days – 6 months | ~4.25% | ~4.75% |
| 6m1d – 9 months | ~5.50% | ~6.00% |
| 9m1d – <1 yr | ~5.75% | ~6.25% |
| 1 yr – <15 mo | ~6.25% | ~6.75% |
| 15 mo – <18 mo | ~6.35% | ~6.85% |
| 18 mo – <21 mo | ~6.60% | ~7.10% |
| 21 mo – 2 yrs | ~6.45% | ~6.95% |
Highest common range:
- General public: up to ~6.60% p.a.
- Senior citizens: up to ~7.10% p.a.
(exact rates vary by exact tenure bucket) (Paisabazaar)
Tax-Saving FD
- 5-year Tax-Saving FD:
- ~6.40% p.a. (General)
- ~6.90% p.a. (Senior Citizens) (Paisabazaar)
Important point
- Senior citizens usually get an additional interest of ~0.50% over regular rates. (Paisabazaar)
- Rates are subject to change, especially in response to RBI policy actions (as seen in December 2025). (The Economic Times)
- Always check the HDFC Bank website or NetBanking for the exact rate on the date you plan to invest. (HDFC Bank)
