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- Money Transfer
- To Other Account
- To Own Account
- UPI (Instant Mobile Money Transfer)
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- NEFT (Available 24 * 7)
- RemitNow Foreign Outward Remittance
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- ESOP Remittances
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Current Rate of Interest for FD, RD & Forex
HDFC bank offers attractive interest rates on various deposit and savings schemes. Click on the header to view the rates
Fixed Deposit Interest Rate Less Than 3 Cr
Achieve your goals easily as we guarantee you Higher Returns.
Presenting HDFC Bank Special Edition Fixed Deposits.
Earn higher interest on your FD for tenures of 2 years and 11 months (i.e., 35 months) and 4 years and 7 months (i.e., 55 months). Limited time only!
What's more? Senior Citizen benefits 0.50% EXTRA!...So Hurry! Valid for Limited Period only!
Please clear browser history/cookies before accessing the interest rate chart in order to view the latest effective interest rates.
Domestic / NRO / NRE FIXED DEPOSIT RATE
Applicable from 24th July, 2024
(Senior Citizen Rates do not apply to NRIs | Minimum tenor for NRE Deposit is 1 Year.)
| Tenor Bucket | < 3 Crore | |
|---|---|---|
| Interest Rate (per annum) | **Senior Citizen Rates (per annum) | |
| 7 - 14 days | 3.00% | 3.50% |
| 15 - 29 days | 3.00% | 3.50% |
| 30 - 45 days | 3.50% | 4.00% |
| 46 - 60 days | 4.50% | 5.00% |
| 61 - 89 days | 4.50% | 5.00% |
| 90 days < = 6 months | 4.50% | 5.00% |
| 6 months 1 days < = 9 months | 5.75% | 6.25% |
| 9 months 1 day to < 1 year | 6.00% | 6.50% |
| 1 year to < 15 months | 6.60% | 7.10% |
| 15 months to < 18 months | 7.10% | 7.60% |
| 18 months to < 21 months | 7.25% | 7.75% |
| 21 months - 2 years | 7.00% | 7.50% |
| 2 Years 1 day to < 2 Year 11 Months | 7.00% | 7.50% |
| 2 Years 11 Months - 35 Months | 7.35% | 7.85% |
| 2 Years 11 Months 1 day < = 3 Year | 7.00% | 7.50% |
| 3 Years 1 day to < 4 Years 7 Months | 7.00% | 7.50% |
| 4 Year 7 Months - 55 months | 7.40% | 7.90% |
| 4 Year 7 Months 1 day < = 5 Years | 7.00% | 7.50% |
| 5 Years 1 day - 10 Years | 7.00% | 7.50% |
RESIDENT CUSTOMERS:
Click here to book a deposit new way, using your mobile no.
Click here to book a deposit via NetBanking > Accounts > Transact
NRI CUSTOMERS:
NEW Customers: Click here to talk to our Executive!!
EXISTING Customers: Click here to book a deposit online through NetBanking!!
Fixed Deposit Interest Rate Greater Than Or Equal to 3 Cr to less than 5 Cr
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Domestic / NRO / NRE FIXED DEPOSIT RATE
Applicable from 12th June, 2024
(Senior Citizen Rates do not apply to NRIs | Minimum tenor for NRE Deposit is 1 Year.)
| Tenor Bucket | >=3 Crore to < 5 Crores | |
|---|---|---|
| Interest Rate (per annum) | **Senior Citizen Rates (per annum) | |
| 7 - 14 days | 4.75% | 5.25% |
| 15 - 29 days | 4.75% | 5.25% |
| 30 - 45 days | 5.50% | 6.00% |
| 46 - 60 days | 5.75% | 6.25% |
| 61 - 89 days | 6.00% | 6.50% |
| 90 days <= 6 months | 6.50% | 7.00% |
| 6 mnths 1 day <=9mnths | 6.65% | 7.15% |
| 9 mnths 1 day to < 1 Year | 6.75% | 7.25% |
| 1 Year to < 15 months | 7.40% | 7.90% |
| 15 months to < 18 months | 7.05% | 7.55% |
| 18 months to < 21 months | 7.25% | 7.75% |
| 21 months to 2 years | 7.05% | 7.55% |
| 2 year 1 day to 3 years | 7.00% | 7.50% |
| 3 year 1 day to 5 years | 7.00% | 7.50% |
| 5 year 1 day to 10 years | 7.00% | 7.50% |
RESIDENT CUSTOMERS:
Click here to book a deposit new way, using your mobile no.
Click here to book a deposit via NetBanking > Accounts > Transact
As interest rates are subject to change without prior notice, depositor shall ascertain the rates on the value date of FD
The base rate applicable is the interest rate of the date of deposit acceptance under tenor for which the deposit has been in force with the bank.
NRI CUSTOMERS:
NEW Customers: Click here to talk to our Executive!!
EXISTING Customers: Click here to book a deposit online through NetBanking!!
Fixed Deposit Interest Rate Greater Than Or Equal To 5 Cr
Domestic Deposit Rates Greater Than Or Equal To 5 Cr
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For rates greater than equal to Rs. 5 Cr please click here
Non- Withdrawal Fixed Deposit Rates Greater Than Or Equal To 2 Cr
Domestic Non-withdrawable Fixed Deposit rates greater than or equal to 2 Cr
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For Non-withdrawable Domestic term Deposit rates greater than or equal to Rs. 2 Cr please click here
FCNR And RFC Deposit Rates
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FCNR (B) DEPOSIT RATES
| Period | GBP | USD | EURO | JPY | AUD | CAD | Effective Date | |||||
| <1 lakh | >= 1 lakh to < 5 lakh | >= 5 lakh to < 1 mio | >= 1 mio to < 20 mio | >= 20 mio to < 100 mio | >= 100 mio | |||||||
| 1 Year- less than 2 years | 4.60% | 4.70% | 4.70% | 4.70% | 4.70% | 4.70% | 4.70% | 2.80% | 0.01% | 4.15% | 3.15% | November 14, 2024 |
| 2 years - less than 3 years | N/A | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | 4.00% | N/A | N/A | 4.00% | 2.80% | November 1, 2024 |
| 3 year to less than 4 years | N/A | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | 3.90% | N/A | N/A | 3.90% | 2.60% | November 1, 2024 |
| 4 years to less than 5 years | N/A | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | N/A | N/A | 3.85% | 2.45% | November 1, 2024 |
| 5 years only | N/A | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | 3.60% | N/A | N/A | 3.85% | 2.45% | November 1, 2024 |
New Customers: Click here to talk to our Executive!! EXISTING Customers: Click here to book a deposit online through NetBanking!!
Click here to talk to our PHONEBANKING Agent!!
IMPORTANT NOTES:
FCNR Deposits: Existing FCNR deposits booked under GBP, EURO & JPY currencies for the tenor 1 year 1 day to 5 year and which are due for auto renewal will be auto renewed for 1 year tenor by default.
No interest will be paid if the FCNR Deposit is prematurely withdrawn before 1 year. No Penalty will be levied on premature closure of FCNR Fixed Deposit.
With effect from July 22nd, 2023, the interest rate applicable for premature withdrawal including Partial Withdrawal on FCNR Deposits will be the rate on the date of deposit booked for the period for which deposit remained with the bank and not at the contracted rate.
Prior to July 22nd, 2023, For Premature Closure (for all amounts, and for including Sweep In / Partial Withdrawal), the final rate applicable will be lower of either: a) the rate for the original /contracted tenor for which deposit has been booked or b) the base rate applicable for the tenor for which the deposit has been in force with the bank.
The base rate is the rate applicable to deposits of less than 1 Mn as on the date of booking the deposit. The paid interest amount (in case of half yearly pay out mode) will be adjusted against Principal Balance of the Deposit in case of Premature withdrawal of the FCNR Deposit before 1 year. The interest is calculated on a half yearly basis. Interest for re-investment deposit is calculated every six months and the Principal is increased to include interest earned during the previous six months. Deposit will be booked upon availability of clear funds with the bank and applicable interest rate will be given as on the date of receipt of the funds by the bank.
The interest rates are applicable for fresh and renewal fixed deposits and are subject to change from time to time. Kindly check the rates before booking the FCNR Fixed Deposit. The FCNR Deposit booking request through Netbanking will be processed within 2 working days except Saturday, Sunday, Indian public holidays, International currency holidays. The actual interest rate and forex rate being applied will be the one which is prevailing at the time of processing the deposit and not at the time of receiving the request.
RFC Fixed Deposit Rates
| Period | GBP | USD | EURO | JPY | Effective Date |
| Less than 29 Days | 0.01% | 0.01% | 0.01% | 0.01% | December 1, 2018 |
| 30 days - 3 Months | 0.01% | 0.01% | 0.01% | 0.01% | December 1, 2018 |
| 3 Months 1day - 6 Months | 0.01% | 0.01% | 0.01% | 0.01% | December 1, 2018 |
| 6 Months 1day to less than 1 Year | 0.01% | 0.01% | 0.01% | 0.01% | December 1, 2018 |
| 1 Year-less than 2 years | 4.60% | 4.70% | 2.80% | 0.01% | November 14, 2024 |
| 2 years - less than 3 years | 0.01% | 4.00% | 0.01% | 0.01% | November 1, 2024 |
| 3 years only | 0.01% | 3.90% | 0.01% | 0.01% | November 1, 2024 |
Note: As per the Terms & Conditions of Fixed Deposit Accounts of the bank,
With effect from July 22nd, 2023, the interest rate applicable for premature withdrawal including Partial Withdrawal on RFC Deposits will be 1% less of the rate on the date of deposit booked for the period for which deposit remained with the bank and not at the contracted rate. This is provided your RFC FD interest is equivalent to 1% or more.
Prior to 22nd July 2023, the interest rate applicable for premature closure of deposits (all amounts) will be 1% lower of : The base rate for the original/contracted tenure for which the deposit has been booked OR The base rate applicable for the tenure for which the deposit has been in force with the Bank. This is provided your RFC FD interest is equivalent to 1% or more.
*Applicable interest rates will be given as on the date of receipt of the funds by the bank. RFC FD are offered only to Returning NRI's. FCNR Deposits (if any) held by Returning NRI during NRI tenure will be renewed as RFC deposits subject to renewal instructions being maintained against the FCNR Deposit opened during NRI tenure.
Recurring Deposit Interest Rates
Recurring Deposit Rates(Resident / NRO / NRE Customers)
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HDFC Bank Fixed Deposits and Recurring Deposits offer a safe and convenient way of achieving your financial goals.
Rates for some key tenures:
| Period | Interest Rate (per annum) | **Senior Citizen Rates (per annum) | Effective From |
|---|---|---|---|
| 6 Months | 4.50% | 5.00% | Jan 24, 2023 |
| 9 Months | 5.75% | 6.25% | Jan 24, 2023 |
| 12 Months | 6.60% | 7.10% | Jan 24, 2023 |
| 15 Months | 7.10% | 7.60% | Feb 21, 2023 |
| 18 Months | 7.25% | 7.75% | Feb 21, 2023 |
| 21 Months | 7.00% | 7.50% | Feb 21, 2023 |
| 24 Months | 7.00% | 7.50% | Jan 24, 2023 |
| 27 Months | 7.00% | 7.50% | June 12, 2024 |
| 30 Months | 7.00% | 7.50% | June 12, 2024 |
| 33 Months | 7.00% | 7.50% | June 12, 2024 |
| 36 Months | 7.00% | 7.50% | June 12, 2024 |
| 39 Months | 7.00% | 7.50% | June 12, 2024 |
| 42 Months | 7.00% | 7.50% | June 12, 2024 |
| 45 Months | 7.00% | 7.50% | June 12, 2024 |
| 48 Months | 7.00% | 7.50% | June 12, 2024 |
| 60 Months | 7.00% | 7.50% | June 12, 2024 |
| 90 Months | 7.00% | 7.50% | May 2, 2024 |
| 120 Months | 7.00% | 7.50% | May 2, 2024 |
**Only Resident Senior Citizen Individuals are eligible for higher rates of interest.
*Special Edition Fixed Deposit rates of 33 month and 55 month are not applicable for RD booking.(Except Passion Fund)
NRE Recurring Deposit can be booked for a minimum tenure of 12 months
Premature Liquidation
With effect from July 22nd, 2023, the interest rate applicable for premature withdrawal will be the rate on the date of deposit booked, to the period for which deposit remained with the bank and not at the contracted rate.
Prior to July 22nd, 2023, The interest rate applicable on premature closure of deposits (all amounts) will be lower of:a) The rate for the original/contracted tenor for which the deposit has been booked
OR
b) The base rate applicable for the tenor for which the deposit has been in force with the BankFor deposits booked on or after 7th march'19, the base rate is the rate applicable to deposits of less than Rs.2 Cr as on the date of booking the deposit. Prior to this the base rate is the rate applicable to deposits of less than Rs.1 Cr as on the date of booking the deposit.
The Minimum tenor for earning the interest on NRO Recurring Deposit is 1 Month. No Interest will be paid if the NRO Recurring Deposit is prematurely withdrawn before 1 Month. Tax at Source is deducted as per the Income Tax regulations prevalent from time to time (applicable on NRO Recurring Deposits)
The Minimum tenor for earning the interest on NRE Recurring Deposit is 1 year. No Interest will be paid if the NRE Recurring Deposit is prematurely withdrawn before 1 year.
With effect from Oct 24, 2015, the following changes would be applicable to all Recurring Deposits.
Interest on a Recurring Deposit will be calculated from the date the instalment is paid.
The method of calculation of interest on RDs will be on Actual / Actual Quarterly Compounding.
TDS on RD is applicable as per Finance Act 2015. TDS will be deducted when interest payable or
reinvested on RD and FD per customer across all branches, exceeds Rs.40,000/- (Rs. 50,000/- for
senior citizens) in a financial year.
TDS on RD accounts (if applicable) will be recovered on RD interest if Savings/Current accounts linked to RD are not maintained for TDS recovery, effective 4th Feb '2018
Interest and Penalty calculation methods are as per the IBA Guidelines.
* The Recurring Deposit Advice will be dispatched to your recorded mailing address within 3-4 working days of opening your account.
Marginal Cost Of Funds-Based Lending Rates (MCLR)
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Effective Date: Nov 07, 2024
Tenor | MCLR |
Overnight | 9.15% |
1 Month | 9.20% |
3 Month | 9.30% |
6 Month | 9.45% |
1 Year | 9.45% |
2 Year | 9.45% |
3 Year | 9.50% |
External benchmark linked rates (EBLR)
The Bank uses the RBI Policy Repo Rate and the Government of India Treasury Yield published by Financial Benchmarks India Ltd as external benchmarks for pricing loans .
Savings Account interest rate
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Domestic, NRO and NRE Savings Rate
Effective 6th April 2022, Rate of Interest for Savings Bank deposits Accounts has been revised as below :
Savings Balance (Rs) | Interest Rate p.a |
|---|---|
Less than Rs. 50 Lakh | 3.00% |
Of and above Rs 50 Lakh | 3.50% |
Note:
Savings Bank interest will be calculated on the daily balances maintained in your account.
Savings Bank interest will be paid at quarterly intervals
RFC Savings (for Returning NRIs) Interest Rate
This is to inform you that our RFC Savings Account Interest Rates effective July 1, 2017 are as below:
GBP | USD | Euro | JPY |
|---|---|---|---|
0.01% | 0.01% | NA | NA |
EEFC Deposit would be accepted only in current A/c (According to RBI guidelines.)
Base Rate
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The revised Base Rate will be 9.45% and will be effective from Sep 09, 2024
Benchmark PLR
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Effective Sep 09, 2024 , the Benchmark PLR (BPLR) of HDFC Bank Ltd. has been revised to 17.95% p.a
Forex Rates
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To view detailed Forex Rates, kindly click here
NR Forex Rates
| November 22, 2024 | |
|---|---|
| Currency_Name | Regular Rates |
| United States Dollar (USD) | 83.81 |
| Euro (EUR) | 86.97 |
| Great Britain Pound (GBP) | 104.92 |
| Japanese Yen (JPY) | 0.54 |
| Australian Dollar (AUD) | 54.06 |
| Canadian Dollar (CAD) | 59.53 |
| Swiss Francs (CHF) | 93.80 |
| Hong Kong Dollar (HKD) | 10.70 |
| Singapore Dollar (SGD) | 61.97 |
| New Zealand Dollar (NZD) | 47.79 |
| Swedish Kroner (SEK) | 7.37 |
| U.A.E. Dirham (AED) | 22.60 |
| Danish Krone (DKK) | 11.41 |
| Norwegian Krone (NOK) | 7.33 |
| Saudi Riyal (SAR) | 22.18 |
| Omani Rial (OMR) | 216.34 |
| South African Rand (ZAR) | 4.50 |
| Interest cost. | |
| Currency | Cost |
| USD/INR 6M | 2.07% |
| USD/INR 12M | 2.16% |
| GBP/INR 12M | 2.49% |
| EUR/INR 12M | 4.83% |
Swap cost is considered for arriving at the final interest rate incase of OD against FCNR Deposit...
Please note that the above rates are subject to -
1. Market fluctuations
2. Intraday fluctuation
The bank reserves the right to make changes in the rate in accordance with the market.
Historic Rates
Click here for Historic Savings Account Interest Rate
Click here for Historic MCLR
Click here for Historic PLR Base Rate
Click here for Historic Deposit Rates < 5 Cr
Click here for Historic Deposit Rates >=5 Cr
Click here for Historic Non-Withdrawable deposit rates >=5 Cr
Important Notes: Resident Customers
Interest Rates |
|
Tenor Bucket |
|
Senior Citizens | Only Senior Citizens / Retired Personnel (60 years and above) who are Resident Individuals are eligible. The special rates are applicable only for Resident deposits. |
TDS | Tax at Source is deducted as per the Income Tax regulations prevalent from time to time |
Premature Withdrawal |
a) the rate for the original /contracted tenor for which deposit has been booked or b) the base rate applicable for the tenor for which the deposit has been in force with the bank except for the deposits booked with tenor 7-14 days.
|
Exemption from penalty on premature withdrawal |
|
When you open a Fixed deposit with HDFC Bank Interest on Term Deposits is calculated as below:
Fixed Deposits for the tenor <= 6 months | Simple Interest is paid |
Fixed Deposits for the tenor > 6 months with Quarterly Interest Payout option | On a Quarterly basis |
Fixed Deposits for the tenor > 6 months with Monthly Interest Payout option | Interest is calculated for the quarter and paid monthly at a discounted rate over the standard deposit rate |
Fixed Deposits for the tenor > 6 months with Interest Reinvestment option | Cumulative Interest for the Quarter is added to the Principal in subsequent quarter and interest is calculated on total amount |
The Bank computes interest based on the actual number of days in a year. In case, the Deposit is spread over a leap and a non-leap year, the interest is calculated based on the number of days i.e., 366 days in a leap year & 365 days in a non-leap year. The period of Fixed Deposit is calculated in number of days.
Important Notes: NRI Customers
Interest Rates |
|
Tenor Bucket |
|
Senior Citizens | The Senior Citizen Rates are only for Resident Indians and do not apply to NRIs. |
TDS | Tax at Source is deducted as per the Income Tax regulations prevalent from time to time (applicable on NRO Fixed Deposits) |
Premature Withdrawal |
|
The Interest on Term Deposits for the deposits booked by us, is calculated as below:
Fixed Deposits for the tenor <= 6 months | Simple Interest is paid |
Fixed Deposits for the tenor > 6 months with Quarterly Interest Payout option | On a Quarterly basis |
Fixed Deposits for the tenor > 6 months with Monthly Interest Payout option | Interest is calculated for the quarter and paid monthly at a discounted rate over the standard deposit rate |
Fixed Deposits for the tenor > 6 months with Interest Reinvestment option | Cumulative Interest for the Quarter is added to the Principal in subsequent quarter and interest is calculated on total amount |
The Bank computes interest based on the actual number of days in a year. In case, the Deposit is spread over a leap and a non-leap year, the interest is calculated based on the number of days i.e.,366 days in a leap year & 365 days in a non-leap year. The period of Fixed Deposit is calculated in number of days.
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Limited Period Offer!
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HDFC SKY
