HDFC Bank ends special edition deposit: Now offers highest FD interest of 7.75% from 7.90%

HDFC Bank ends its special edition Fixed Deposit (FD) offering a higher rate of interest. This exclusive FD scheme was introduced to provide investors with an opportunity to maximize their savings while ensuring stable and guaranteed returns. The last date to invest in Special Edition FD was March 31, 2025.

Yes Bank has reduced its fixed deposit (FD) interest rates by 25 basis points (0.25%)on select tenures. This latest reduction raises concerns about a possible trend of declining FD interest rates across the banking sector.

Following the discontinuation of the scheme, HDFC Bank has revised its FD interest rates, effective April 1, 2025.

Latest HDFC Bank FD interest rates

HDFC Bank offers an interest rate between 3% and 7.25% on fixed deposits for regular citizens for tenures ranging from 7 days to 10 years for amounts less than Rs 3 crore. The highest interest rate of 7.25% is offered on tenure of 10 months to less than 21 months. The new rates are applicable from April 1, 2025.

Tenor Bucket	Interest Rate (per annum)
7 - 14 days	3.00%
15 - 29 days	3.00%
30 - 45 days	3.50%
46 - 60 days	4.50%
61 - 89 days	4.50%
90 days = 6 months	4.50%
6 months 1 days = 9 months	5.75%
9 months 1 day to 1 year	6.00%
1 year to 15 months	6.60%
15 months to 18 months	7.10%
18 months to 21 months	7.25%
21 months - 2 years	7.00%
2 Years 1 day to 2 Year 11 Months	7.00%
2 Years 11 Months - 35 Months	7.00%
2 Years 11 Months 1 day = 3 Year	7.00%
3 Years 1 day to 4 Years 7 Months	7.00%
4 Year 7 Months - 55 months	7.00%
4 Year 7 Months 1 day = 5 Years	7.00%
5 Years 1 day - 10 Years	7.00%

HDFC Bank senior citizens FD rate

For senior citizens, the interest rate varies between 3.5% to 7.75% for tenures ranging from 7 days to 10 years for amounts less than Rs 3 crore. The highest interest rate of 7.75% is offered on tenure of 10 months to less than 21 months.

Also read: Looking for high FD returns? These banks are offering up to 8.5% interest on fixed deposits

Tenor Bucket	**Senior Citizen Rates (per annum)
7 - 14 days	3.50%
15 - 29 days	3.50%
30 - 45 days	4.00%
46 - 60 days	5.00%
61 - 89 days	5.00%
90 days = 6 months	5.00%
6 months 1 days = 9 months	6.25%
9 months 1 day to 1 year	6.50%
1 year to 15 months	7.10%
15 months to 18 months	7.60%
18 months to 21 months	7.75%
21 months - 2 years	7.50%
2 Years 1 day to 2 Year 11 Months	7.50%
2 Years 11 Months - 35 Months	7.50%
2 Years 11 Months 1 day = 3 Year	7.50%
3 Years 1 day to 4 Years 7 Months	7.50%
4 Year 7 Months - 55 months	7.50%
4 Year 7 Months 1 day = 5 Years	7.50%
5 Years 1 day - 10 Years	7.50%

Source: HDFC Bank website

Special FD details

For an FD with a tenure of 35 months, regular investors earn an annual interest rate of 7.35%, whereas senior citizens get a slightly higher rate of 7.85%. A longer FD tenure of 55 months (4 years, 7 months) offers a higher interest rate compared to the 35-month tenure. Regular depositors receive 7.40% per annum, while senior citizens are entitled to 7.90% per annum.