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HDFC Bank revises fixed deposit rates; senior citizens get up to 7.20%; what about other banks?
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5 min read | Updated on November 05, 2026, 16:37 IST
SUMMARY
HDFC Bank has revised FD interest rates from November 4. General customers can earn up to 6.60% and senior citizens up to 7.20%. Check other banks' latest FD rates.
The revised rates vary depending on the deposit tenure and customer category. While some tenures continue to offer the same interest rates, others have seen changes. | Image: Shutterstock.
The revised rates vary depending on the deposit tenure and customer category. While some tenures continue to offer the same interest rates, others have seen changes.
| FD Tenure | Interest Rate (% p.a.) |
|---|---|
| 7–14 days | 2.75% |
| 15–29 days | 2.75% |
| 30–45 days | 3.25% |
| 46–60 days | 4.25% |
| 61–89 days | 4.75% |
| 90 days to 6 months | 4.75% |
| 6 months 1 day to 9 months | 5.65% |
| 9 months 1 day to less than 1 year | 5.90% |
| 1 year to less than 15 months | 6.25% |
| 15 months to less than 18 months | 6.35% |
| 18 months to less than 21 months | 6.50% |
| 21 months to 2 years | 6.50% |
| 2 years 1 day to less than 2 years 11 months | 6.55% |
| 2 years 11 months (35 months) | 6.55% |
| 2 years 11 months 1 day to 3 years | 6.55% |
| 3 years 1 day to less than 4 years 7 months | 6.60% |
| 4 years 7 months (55 months) | 6.60% |
| 4 years 7 months 1 day to 5 years | 6.60% |
| 5 years 1 day to 10 years | 6.60% |
HDFC Bank FD interest rates for senior citizens
Senior citizens are eligible for additional interest on eligible fixed deposits. HDFC Bank is offering a maximum interest rate of 7.20% to senior citizens on deposits with tenures ranging from three years and one day to five years.
For deposits with tenures of five years and one day to 10 years, the bank is offering an interest rate of 7.10%.
| FD Tenure | Interest Rate (% p.a.) |
|---|---|
| 7–14 days | 3.25% |
| 15–29 days | 3.25% |
| 30–45 days | 3.75% |
| 46–60 days | 4.75% |
| 61–89 days | 5.25% |
| 90 days to 6 months | 5.25% |
| 6 months 1 day to 9 months | 6.15% |
| 9 months 1 day to less than 1 year | 6.40% |
| 1 year to less than 15 months | 6.75% |
| 15 months to less than 18 months | 6.85% |
| 18 months to less than 21 months | 7.00% |
| 21 months to 2 years | 7.00% |
| 2 years 1 day to less than 2 years 11 months | 7.05% |
| 2 years 11 months (35 months) | 7.05% |
| 2 years 11 months 1 day to 3 years | 7.05% |
| 3 years 1 day to less than 4 years 7 months | 7.20% |
| 4 years 7 months (55 months) | 7.20% |
| 4 years 7 months 1 day to 5 years | 7.20% |
| 5 years 1 day to 10 years | 7.10% |
Which other banks have revised FD interest rates?
HDFC Bank is not the only lender to have updated its FD rates. Kotak Mahindra Bank, Axis Bank, Suryoday Small Finance Bank and Utkarsh Small Finance Bank have also announced changes to their deposit rates in October and November 2026.
Kotak Mahindra Bank's revised rates took effect on November 4, 2026. General customers can earn up to 6.80%, while senior citizens can get up to 7.55% on select tenures.
Axis Bank revised its FD rates from October 29, 2026. General customers can earn up to 6.60%, while senior citizens can get up to 7.35%.
Suryoday Small Finance Bank revised its rates from October 30, 2026, offering up to 8.25% to general customers and 8.60% to senior citizens on select tenures.
Utkarsh Small Finance Bank's revised rates came into effect on November 1, 2026. It offers up to 8.10% to general customers and 8.50% to senior citizens on select tenures.
What should FD investors know?
FD interest rates vary across banks and depend on the deposit tenure, investment amount and customer category. Senior citizens generally receive higher interest rates than regular depositors. Customers should compare rates across banks and check the applicable terms before booking a fixed deposit.
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