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  5. HDFC Bank revises fixed deposit rates: New FD rates effective today. Check here

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HDFC Bank revises fixed deposit rates: New FD rates effective today. Check here

Upstox
By Upstox News Desk

3 min read | Updated on December 17, 2025, 12:27 IST

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SUMMARY

The updated rates are applicable across HDFC Bank's domestic, NRE and NRO fixed deposits for tenures from 7 days up to 10 years for deposits below ₹3 crore.

hdfc bank revises fd rates

The overhaul of FD rates follows the Reserve Bank of India’s decision to cut the key repo rate in early December. | Image: Shutterstock

HDFC Bank has revised its fixed deposit (FD) interest rates for deposits of less than ₹3 crore, effective from today, 17 December 2025. The revision comes amid a broader reduction in interest rates across banks, following the Reserve Bank of India’s recent cut in the repo rate.

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Under the revised schedule, the bank now offers FD rates ranging from 2.75 % to 6.60 % per annum for general customers, depending on the tenure. Senior citizens continue to earn higher returns, with rates up to 7.10 % per annum on selected tenures.

The updated rates are applicable across domestic, NRE and NRO fixed deposits for tenures from 7 days up to 10 years for deposits below ₹3 crore. Short-term deposits (7–29 days) now fetch around 2.75 %, while mid-range tenures such as 18–21 months offer around 6.60 % for regular customers.

Fixed Deposit Interest Rates (< ₹3 Crore)

(Applicable from 17th December, 2025)
Tenor BucketInterest Rate (p.a.)Senior Citizen Rate (p.a.)
7 – 14 days2.75%3.25%
15 – 29 days2.75%3.25%
30 – 45 days3.25%3.75%
46 – 60 days4.25%4.75%
61 – 89 days4.25%4.75%
90 days ≤ 6 months4.25%4.75%
6 months 1 day ≤ 9 months5.50%6.00%
9 months 1 day < 1 Year5.75%6.25%
1 Year < 15 months6.25%6.75%
15 months < 18 months6.35%6.85%
18 months < 21 months6.45%6.95%
21 months – 2 years6.45%6.95%
2 Years 1 day < 2 Years 11 Months6.45%6.95%
2 Years 11 Months (35 months)6.45%6.95%
2 Years 11 Months 1 day ≤ 3 Years6.45%6.95%
3 Years 1 day < 4 Years 7 Months6.40%6.90%
4 Years 7 Months (55 months)6.40%6.90%
4 Years 7 Months 1 day ≤ 5 Years6.40%6.90%
5 Years 1 day – 10 Years6.15%6.65%
The overhaul of FD rates follows the Reserve Bank of India’s decision to cut the key repo rate in early December . As a result, many banks have adjusted lending and deposit rates to reflect the changing monetary policy stance.

SBI slashes FD rates

Following the RBI’s policy move, State Bank of India (SBI) has also trimmed its FD rates. The reductions, effective from 15 December 2025, include modest cuts on certain tenures, such as 2 years to less than 3 years, where returns have been adjusted downward by a few basis points.

What this means for depositors

Financial advisors suggest that investors review tenure and bank choices carefully before locking in fixed deposits in the current environment, as further rate adjustments across banks are possible in the coming months.

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About The Author

Upstox
Upstox News Desk is a team of journalists who passionately cover stock markets, economy, commodities, latest business trends, and personal finance.

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