Question 1

What are the highest interest rates for HDFC Bank in 2026?

Accepted Answer

As of September 2026, HDFC Bank offers up to 6.50% p.a. on Fixed Deposits and up to 2.50% p.a. on Savings Accounts based on the balance slabs maintained.

Question 2

Is HDFC Bank safe for depositing money?

Accepted Answer

Yes, HDFC Bank is a scheduled bank regulated by the RBI. Your deposits (up to ₹5 Lakhs per depositor) are insured by the DICGC, which covers principal and interest across all account types.

Question 3

What is the minimum tenure and senior citizen benefit for HDFC Bank FDs?

Accepted Answer

The minimum tenure for a fixed deposit with HDFC Bank starts from 7 Days. Senior citizens receive an additional interest rate benefit of up to 0.60% p.a. over general citizen rates.

Question 4

Are returns on HDFC Bank FDs and Savings Accounts taxable?

Accepted Answer

Yes, interest earned on deposits is taxable. Savings account interest is tax-free up to ₹10,000 per year (₹50,000 for senior citizens) under Section 80TTA/80TTB. FD interest is fully taxable, and TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens) in a financial year.

Maturity	USD
1 to <2 years	3.80%BEST
2 to <3 years	3.55%
3 to <4 years	3.50%
4 to <5 years	3.15%
5 years	3.15%

TENURE	Interest Rate
1 year to <15 months	6.25%
15 to <18 months	6.35%
18 to <21 months	6.45%
21 months to 2 years	6.45%
2 years to <2 years 11 months	6.45%
2 years 11 months	6.45%
2 years 11 months to 3 years	6.45%
3 years to <4 years 7 months	6.50%BEST
4 years 7 months	6.40%
4 years 7 months to 5 years	6.40%
5 to 10 years	6.15%

HDFC Bank

Bank Overview

Financial Health Indicators(FY 2026)

Fixed Deposit (FD) Interest Rates

Savings Account Interest Rates

Foreign Currency Non-Resident (FCNR-B) Deposit Rates

NRI Fixed Deposit Rates (NRE & NRO)

Frequently Asked Questions

HDFC Bank FD Calculator