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HDFC Bank FD and RD rates for July 2026: Latest interest rates and highest returns investors should know
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5 min read | Updated on July 04, 2026, 08:26 IST
SUMMARY
HDFC Bank FD and RD interest rates July 2026: Check the latest fixed deposit and recurring deposit rates, highest returns, senior citizen rates and tenure-wise interest for deposits below ₹3 crore.
Senior citizens continue to receive an additional 50 basis points (0.50 percentage points) over the rates offered to regular depositors. | Image: Shutterstock.
HDFC Bank is offering fixed deposit (FD) and recurring deposit (RD) interest rates of up to 6.50% for general customers and 7.00% for senior citizens on select tenures for deposits below ₹3 crore. The latest rates, which came into effect on March 6, 2026, are applicable across a range of maturities from six months to 10 years.
Senior citizens continue to receive an additional 50 basis points (0.50 percentage points) over the rates offered to regular depositors.
HDFC Bank’s latest interest rates on FDs below ₹3 crore
| Tenure Bucket | Interest Rate | Senior Citizen Rate |
|---|---|---|
| 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% |
| 6 months 1 day ≤ 9 months | 5.50% | 6.00% |
| 9 months 1 day < 1 year | 5.75% | 6.25% |
| 1 year < 15 months | 6.25% | 6.75% |
| 15 months < 18 months | 6.35% | 6.85% |
| 18 months < 21 months | 6.45% | 6.95% |
| 21 months – 2 years | 6.45% | 6.95% |
| 2 years 1 day < 2Y 11M | 6.45% | 6.95% |
| 2 years 11 months (35M) | 6.45% | 6.95% |
| 2Y 11M 1 day ≤ 3 years | 6.45% | 6.95% |
| 3Y 1 day < 4Y 7M | 6.50% | 7.00% |
| 4Y 7M (55M) | 6.40% | 6.90% |
| 4Y 7M 1 day ≤ 5 years | 6.40% | 6.90% |
| 5Y 1 day – 10 years | 6.15% | 6.65% |
| Period | Interest Rate | Senior Citizen Rate | Effective From |
|---|---|---|---|
| 6 Months | 4.25% | 4.75% | Jun 10, 2025 |
| 9 Months | 5.50% | 6.00% | Jun 10, 2025 |
| 12 Months | 6.25% | 6.75% | Jun 10, 2025 |
| 15 Months | 6.35% | 6.85% | Jun 25, 2025 |
| 18 Months | 6.45% | 6.95% | Dec 17, 2025 |
| 21 Months | 6.45% | 6.95% | Jun 10, 2025 |
| 24 Months | 6.45% | 6.95% | Jun 10, 2025 |
| 27 Months | 6.45% | 6.95% | Jun 10, 2025 |
| 30 Months | 6.45% | 6.95% | Jun 10, 2025 |
| 33 Months | 6.45% | 6.95% | Jun 10, 2025 |
| 36 Months | 6.45% | 6.95% | Jun 10, 2025 |
| 39 Months | 6.50% | 7.00% | Mar 6, 2026 |
| 42 Months | 6.50% | 7.00% | Mar 6, 2026 |
| 45 Months | 6.50% | 7.00% | Mar 6, 2026 |
| 48 Months | 6.50% | 7.00% | Mar 6, 2026 |
| 51 Months | 6.50% | 7.00% | Mar 6, 2026 |
| 54 Months | 6.50% | 7.00% | Mar 6, 2026 |
| 57 Months | 6.40% | 6.90% | Jun 10, 2025 |
| 60 Months | 6.40% | 6.90% | Jun 10, 2025 |
| 63 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 66 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 69 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 72 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 75 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 78 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 81 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 84 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 87 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 90 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 93 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 96 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 99 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 102 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 105 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 108 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 111 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 114 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 117 Months | 6.15% | 6.65% | Jun 10, 2025 |
| 120 Months | 6.15% | 6.65% | Jun 10, 2025 |
Highest interest rate on HDFC Bank FDs and RDs
For deposits with a tenure of 12 months, the bank offers 6.25% to general customers and 6.75% to senior citizens. Deposits of 18 months to 36 months earn 6.45% and 6.95%, respectively.
Interest rates on longer-tenure deposits
Deposits with tenures of 57 months to 60 months earn 6.40% for regular customers and 6.90% for senior citizens.
For deposits maturing between 63 months and 120 months, HDFC Bank offers 6.15% to general customers and 6.65% to senior citizens.
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