HDFC Bank Lowers FD Rates, New FD Rates Effective Today

HDFC Bank has revised its fixed deposit (FD) rates, effective December 17, 2025. The private sector bank last revised the FD rates on June 25, 2025. The revision in rates is downward. The highest rate for the general public available now is 6.45 per cent. For senior citizens (60 years and above), it is 6.95 per cent, an additional 0.50 per cent over that offered to the general public. This rate revision came in line with the repo rate cut by the Reserve Bank of India (RBI) in the bi-monthly monetary policy meeting on December 5, 2025.

Here are the revised FD rates.

FD Rates For Senior Citizens

If you are a senior citizen, the bank offers you higher rates. Here are the details:

• 6.00 per cent for six months one day to nine months

• 6.25 per cent for nine months one day to less than one year

• 6.75 per cent for one year to less than 15 months

• 6.85 per cent for 15 months to less than 18 months

• 6.95 per cent for 18 months to less than 21 months

• 6.95 per cent for tenures between 21 months and three years

• 6.90 per cent for tenures between three years one day to five years

• 6.65 per cent for five years, one day to 10 years

FD Rates For General Public

The highest rate reduced for the general public from 6.60 per cent to 6.45 per cent. Now they can avail of:

• 5.50 per cent for six months, one day to nine months

• 5.75 per cent for nine months, one day to less than one year

• 6.25 per cent for one year to less than 15 months

• 6.35 per cent for 15 months to less than 18 months

• 6.45 per cent for 18 months to less than 21 months

• 6.45 per cent for tenures from 21 months to three years

• 6.40 per cent for tenures between three years one day to five years

• 6.15 per cent for five years, one day to 10 years

Do note that investment in FDs along with other deposits in the bank is secure for up to Rs 5 lakh, under the Deposit Insurance and Credit Guarantee Corporation (DICGC).