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HDFC Bank Fixed Deposit

HDFC Bank · Bank Savings & Fixed Deposits

A private bank fixed deposit with a rate that depends on tenure, deposit size and whether you book online.

Rate varies by tenure and amount Not published as a number here — it varies by provider, tenure or plan.

HDFC publishes a rate card by tenure and deposit size. Check it for the exact amount and term you have in mind.

Check the official page

Source HDFC Bank — fixed deposit rates

www.hdfcbank.com/personal/save/deposits/fixed-deposit

The bank's own rate card. This is where you confirm the rate for your tenure and deposit amount.

How it works

HDFC Bank Fixed Deposit is a bank deposits product from HDFC Bank, in the guaranteed category: fixed by contract. A private bank fixed deposit with a rate that depends on tenure, deposit size and whether you book online.

Because the return type is guaranteed, the questions that matter most are: Is the rate fixed for the whole tenure, or revised during it? Who is actually promising to pay, and what happens if they don't?

  • Parking money for a defined period
  • A predictable maturity amount

Key facts

Provider
HDFC Bank
Source
HDFC Bank — fixed deposit rates ↗ https://www.hdfcbank.com/personal/save/deposits/fixed-deposit
Rate
Rate varies by tenure and amount ↗
Category
Bank Savings & Fixed Deposits
Minimum investment
₹1,000 typical minimum; varies by tenure and channel
Tenure
7 days to 10 years
Payout
At maturity, or monthly/quarterly on selected tenures
Eligibility
Resident individuals, singly or jointly. Senior citizens usually receive an additional rate.
Getting your money back
Premature withdrawal allowed with a penalty. Some tenures require notice.
Protection
Insured by the DICGC up to the statutory limit per depositor per bank.
Tax
Interest is taxable as income from other sources. Tax may be deducted at source above the threshold.

What can go wrong

  • Rates differ by deposit slab, so the headline rate may not be yours.
  • Early closure can return less than you expected.
  • The post-tax return may lag inflation.

Before you decide anything

  • The rate for your exact slab and tenure
  • Whether the online rate is higher than the branch rate

These are questions to take to the provider, not a checklist that makes a product suitable. Whether something fits your situation is a decision only you — or an adviser you choose — can make.

Official sources

These link to the regulator or provider where the rules for this type of product are set out. They are the pages worth checking before you act, because they are the ones that get updated.

Other products in this category

The same rules and the same kind of trade-offs, described the same way.