Question 1

What is the current HDFC Bank FD interest rate?

Accepted Answer

As of April 2026, HDFC Bank offers 6.60% for general citizens and 7.60% for senior citizens on 1-year FD. The 5-year FD rate is 6.80% (7.80% for seniors). HDFC FD rates are competitive with other major banks.

Question 2

Is HDFC FD better than SBI FD?

Accepted Answer

HDFC Bank FD rates are slightly higher than SBI in some tenures. Both are equally safe (government-backed through DICGC insurance up to ₹5 lakh). HDFC offers better online management and customer service.

Question 3

Does HDFC offer tax-saving FD?

Accepted Answer

Yes, HDFC offers 5-year tax-saving FD under Section 80C of Income Tax Act. You can invest up to ₹1.5 lakh per financial year and claim tax deduction. The interest is taxable but principal qualifies for 80C deduction.

Question 4

What is the HDFC FD minimum deposit?

Accepted Answer

HDFC Bank minimum FD deposit is ₹5,000 for regular FDs. For tax-saving FDs, minimum is ₹5,000 as well. You can open FD through HDFC net banking, mobile app, or visit any branch.

Tenure	General Rate	Senior Rate
7-14 days	3.50%	4.00%
15-29 days	4.00%	4.50%
30-45 days	5.00%	5.50%
46-90 days	5.50%	6.00%
91 days - 6 months	6.00%	6.50%
6 months - 1 year	6.60%	7.60%
1-2 years	6.80%	7.80%
2-3 years	6.80%	7.80%
3-5 years	6.80%	7.80%

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