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HDFC BankPrivate sector bank

HDFC Bank
every deposit rate, in one place.

Every product HDFC Bank publishes — fixed, recurring, tax-saver, savings, sweep, NRE, NRO, FCNR and RFC — each with the bank's own tenure wording, its own amount slab and the w.e.f. date that governs it. Sourced from the bank's official pages. We never restate a rate the bank did not print.

Products published
37
Live rate rows
365
Rate cards
58
Newest w.e.f.
2026-08-20

What we know is incomplete on this page

  • 2 live rows carry no rate. NRE Savings Sweep, NRO Savings Sweep. The row is published but the rate cell is empty, and it is not flagged as "not offered". We show the gap rather than a dash — a dash would read as a rate. Awaiting a re-crawl of the bank's page.
  • 8 products live under more than one w.e.f.. RD (4), RD · SC (4), RFC · USD (returned NRI) (3), RFC · GBP (returned NRI) (3), RFC · EUR (returned NRI) (3), RFC · YEN (JPY) (returned NRI) (3), NRE RD (4), NRO RD (4). Each date is shown as its own rate card, because a single table blending several w.e.f. dates is a table the bank never published.

Fixed deposits

FD · GeneralFD

w.e.f. 2026-08-1930 rows
View source — product page ↗
FD · General rates — w.e.f. 2026-08-19
Tenure (as the bank states it)Amount slabRate (% p.a.)
7 - 14 daysregular₹5,000 – ₹3,00,00,0002.75%
15-29 daysregular₹5,000 – ₹3,00,00,0002.75%
30-45 daysregular₹5,000 – ₹3,00,00,0003.25%
46-60 daysregular₹5,000 – ₹3,00,00,0004.25%
61-89 daysregular₹5,000 – ₹3,00,00,0004.25%
90 days <= 6 monthsregular₹5,000 – ₹3,00,00,0004.25%
6 months 1 day <=9 monthsregular₹5,000 – ₹3,00,00,0005.50%
9 months 1 day to < 1 Yearregular₹5,000 – ₹3,00,00,0005.75%
1 Year to < 15 monthsregular₹5,000 – ₹3,00,00,0006.25%
1 Year to < 15 monthshealth₹5,00,000 – ₹2,99,00,0006.25%
15 months to < 18 monthsregular₹5,000 – ₹3,00,00,0006.35%
15 months to < 18 monthshealth₹5,00,000 – ₹2,99,00,0006.35%
18 months to < 21 monthsregular₹5,000 – ₹3,00,00,0006.45%
18 months to < 21 monthshealth₹5,00,000 – ₹2,99,00,0006.45%
21 months to 2 yearsregular₹5,000 – ₹3,00,00,0006.45%
21 months to 2 yearshealth₹5,00,000 – ₹2,99,00,0006.45%
2 Years 1 day to < 2 Year 11 Monthsregular₹5,000 – ₹3,00,00,0006.45%
2 Years 1 day to < 2 Year 11 Monthshealth₹5,00,000 – ₹2,99,00,0006.45%
2 Years 11 Months (35 months)regular₹5,000 – ₹3,00,00,0006.45%
2 Years 11 Months (35 months)health₹5,00,000 – ₹2,99,00,0006.45%
2 Years 11 Months 1 day <= 3 Yearregular₹5,000 – ₹3,00,00,0006.45%
2 Years 11 Months 1 day <= 3 Yearhealth₹5,00,000 – ₹2,99,00,0006.45%
3 Years 1 day to < 4 Years 7 Monthsregular₹5,000 – ₹3,00,00,0006.50%
3 Years 1 day to < 4 Years 7 Monthshealth₹5,00,000 – ₹2,99,00,0006.50%
4 Year 7 Months (55 months)regular₹5,000 – ₹3,00,00,0006.40%
4 Year 7 Months (55 months)health₹5,00,000 – ₹2,99,00,0006.40%
4 Year 7 Months 1 day <=5 Yearsregular₹5,000 – ₹3,00,00,0006.40%
4 Year 7 Months 1 day <=5 Yearshealth₹5,00,000 – ₹2,99,00,0006.40%
5 Years 1 day to 10 Yearsregular₹5,000 – ₹3,00,00,0006.15%
5 Years 1 day to 10 Yearshealth₹5,00,000 – ₹2,99,00,0006.15%

FD · Senior CitizenFD_SC

w.e.f. 2026-08-1919 rows
View source — product page ↗
FD · Senior Citizen rates — w.e.f. 2026-08-19
Tenure (as the bank states it)Amount slabRate (% p.a.)
7 - 14 daysregular₹5,000 – ₹3,00,00,0003.25%
15-29 daysregular₹5,000 – ₹3,00,00,0003.25%
30-45 daysregular₹5,000 – ₹3,00,00,0003.75%
46-60 daysregular₹5,000 – ₹3,00,00,0004.75%
61-89 daysregular₹5,000 – ₹3,00,00,0004.75%
90 days <= 6 monthsregular₹5,000 – ₹3,00,00,0004.75%
6 months 1 day <=9 monthsregular₹5,000 – ₹3,00,00,0006.00%
9 months 1 day to < 1 Yearregular₹5,000 – ₹3,00,00,0006.25%
1 Year to < 15 monthsregular₹5,000 – ₹3,00,00,0006.75%
15 months to < 18 monthsregular₹5,000 – ₹3,00,00,0006.85%
18 months to < 21 monthsregular₹5,000 – ₹3,00,00,0006.95%
21 months to 2 yearsregular₹5,000 – ₹3,00,00,0006.95%
2 Years 1 day to < 2 Year 11 Monthsregular₹5,000 – ₹3,00,00,0006.95%
2 Years 11 Months (35 months)regular₹5,000 – ₹3,00,00,0006.95%
2 Years 11 Months 1 day <= 3 Yearregular₹5,000 – ₹3,00,00,0006.95%
3 Years 1 day to < 4 Years 7 Monthsregular₹5,000 – ₹3,00,00,0007.10%
4 Year 7 Months (55 months)regular₹5,000 – ₹3,00,00,0006.90%
4 Year 7 Months 1 day <=5 Yearsregular₹5,000 – ₹3,00,00,0006.90%
5 Years 1 day to 10 Yearsregular₹5,000 – ₹3,00,00,0006.65%

FD · Non-CallableFD_NC

w.e.f. 2026-08-207 rows
View source — product page ↗
FD · Non-Callable rates — w.e.f. 2026-08-20
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year to < 15 monthsnc₹2,00,00,000 – ₹3,00,00,0006.30%
15 months to < 18 monthsnc₹2,00,00,000 – ₹3,00,00,0006.30%
18 months to < 21 monthsnc₹2,00,00,000 – ₹3,00,00,0006.45%
21 months to 2 yearsnc₹2,00,00,000 – ₹3,00,00,0006.45%
2 year 1 day to 3 yearsnc₹2,00,00,000 – ₹3,00,00,0006.35%
3 year 1 day to 5 yearsnc₹2,00,00,000 – ₹3,00,00,0006.45%
5 year 1 day to 10 yearsnc₹2,00,00,000 – ₹3,00,00,0006.25%

Tax-saver deposits (80C)

Tax SaverFD_TAX

w.e.f. 2026-08-191 row
View source — product page ↗
Tax Saver rates — w.e.f. 2026-08-19
Tenure (as the bank states it)Amount slabRate (% p.a.)
Exactly 5 calendar yearstax₹5,000 – ₹1,50,0006.40%

Tax Saver SCFD_TAX_SC

w.e.f. 2026-08-191 row
View source — product page ↗
Tax Saver SC rates — w.e.f. 2026-08-19
Tenure (as the bank states it)Amount slabRate (% p.a.)
Exactly 5 calendar yearstax₹5,000 – ₹1,50,0006.90%

Recurring deposits

RDRD

4 w.e.f. dates live at once
w.e.f. 2026-03-06rate card 1 of 46 rows
View source — product page ↗
RD rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
39 Months₹1,000 and above6.50%
42 Months₹1,000 and above6.50%
45 Months₹1,000 and above6.50%
48 Months₹1,000 and above6.50%
51 Months₹1,000 and above6.50%
54 Months₹1,000 and above6.50%
w.e.f. 2025-12-17rate card 2 of 41 row
View source — product page ↗
RD rates — w.e.f. 2025-12-17
Tenure (as the bank states it)Amount slabRate (% p.a.)
18 Months₹1,000 and above6.45%
w.e.f. 2025-06-25rate card 3 of 41 row
View source — product page ↗
RD rates — w.e.f. 2025-06-25
Tenure (as the bank states it)Amount slabRate (% p.a.)
15 Months₹1,000 and above6.35%
w.e.f. 2025-06-10rate card 4 of 431 rows
View source — product page ↗
RD rates — w.e.f. 2025-06-10
Tenure (as the bank states it)Amount slabRate (% p.a.)
6 Months₹1,000 and above4.25%
9 Months₹1,000 and above5.50%
12 Months₹1,000 and above6.25%
21 Months₹1,000 and above6.45%
24 Months₹1,000 and above6.45%
27 Months₹1,000 and above6.45%
30 Months₹1,000 and above6.45%
33 Months₹1,000 and above6.45%
36 Months₹1,000 and above6.45%
57 Months₹1,000 and above6.40%
60 Months₹1,000 and above6.40%
63 Months₹1,000 and above6.15%
66 Months₹1,000 and above6.15%
69 Months₹1,000 and above6.15%
72 Months₹1,000 and above6.15%
75 Months₹1,000 and above6.15%
78 Months₹1,000 and above6.15%
81 Months₹1,000 and above6.15%
84 Months₹1,000 and above6.15%
87 Months₹1,000 and above6.15%
90 Months₹1,000 and above6.15%
93 Months₹1,000 and above6.15%
96 Months₹1,000 and above6.15%
99 Months₹1,000 and above6.15%
102 Months₹1,000 and above6.15%
105 Months₹1,000 and above6.15%
108 Months₹1,000 and above6.15%
111 Months₹1,000 and above6.15%
114 Months₹1,000 and above6.15%
117 Months₹1,000 and above6.15%
120 Months₹1,000 and above6.15%

RD · SCRD_SC

4 w.e.f. dates live at once
w.e.f. 2026-03-06rate card 1 of 46 rows
View source — product page ↗
RD · SC rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
39 Months₹1,000 and above7.00%
42 Months₹1,000 and above7.00%
45 Months₹1,000 and above7.00%
48 Months₹1,000 and above7.00%
51 Months₹1,000 and above7.00%
54 Months₹1,000 and above7.00%
w.e.f. 2025-12-17rate card 2 of 41 row
View source — product page ↗
RD · SC rates — w.e.f. 2025-12-17
Tenure (as the bank states it)Amount slabRate (% p.a.)
18 Months₹1,000 and above6.95%
w.e.f. 2025-06-25rate card 3 of 41 row
View source — product page ↗
RD · SC rates — w.e.f. 2025-06-25
Tenure (as the bank states it)Amount slabRate (% p.a.)
15 Months₹1,000 and above6.85%
w.e.f. 2025-06-10rate card 4 of 431 rows
View source — product page ↗
RD · SC rates — w.e.f. 2025-06-10
Tenure (as the bank states it)Amount slabRate (% p.a.)
6 Months₹1,000 and above4.75%
9 Months₹1,000 and above6.00%
12 Months₹1,000 and above6.75%
21 Months₹1,000 and above6.95%
24 Months₹1,000 and above6.95%
27 Months₹1,000 and above6.95%
30 Months₹1,000 and above6.95%
33 Months₹1,000 and above6.95%
36 Months₹1,000 and above6.95%
57 Months₹1,000 and above6.90%
60 Months₹1,000 and above6.90%
63 Months₹1,000 and above6.65%
66 Months₹1,000 and above6.65%
69 Months₹1,000 and above6.65%
72 Months₹1,000 and above6.65%
75 Months₹1,000 and above6.65%
78 Months₹1,000 and above6.65%
81 Months₹1,000 and above6.65%
84 Months₹1,000 and above6.65%
87 Months₹1,000 and above6.65%
90 Months₹1,000 and above6.65%
93 Months₹1,000 and above6.65%
96 Months₹1,000 and above6.65%
99 Months₹1,000 and above6.65%
102 Months₹1,000 and above6.65%
105 Months₹1,000 and above6.65%
108 Months₹1,000 and above6.65%
111 Months₹1,000 and above6.65%
114 Months₹1,000 and above6.65%
117 Months₹1,000 and above6.65%
120 Months₹1,000 and above6.65%

Savings accounts

SavingsSAVINGS

w.e.f. 2025-06-241 row
View source — product page ↗
Savings rates — w.e.f. 2025-06-24
Tenure (as the bank states it)Amount slabRate (% p.a.)
on-call₹0 and above2.50%

NRE SavingsNRE_SAVINGS

w.e.f. 2025-06-241 row
View source — product page ↗
NRE Savings rates — w.e.f. 2025-06-24
Tenure (as the bank states it)Amount slabRate (% p.a.)
on-call₹0 and above2.50%

NRO SavingsNRO_SAVINGS

w.e.f. 2025-06-241 row
View source — product page ↗
NRO Savings rates — w.e.f. 2025-06-24
Tenure (as the bank states it)Amount slabRate (% p.a.)
on-call₹0 and above2.50%

Auto-sweep

Savings SweepSAVINGS_SWEEP

w.e.f. 2026-03-061 row
View source — product page ↗
Savings Sweep rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 year 1 day (fixed)SavingsMax + Kid's Advantage MoneyMaximizer₹1,25,000 – ₹14,99,9996.25%

NRE Savings SweepNRE_SAVINGS_SWEEP

1 row with no rate
w.e.f. 2009-06-121 row
View source — product page ↗
NRE Savings Sweep rates — w.e.f. 2009-06-12
Tenure (as the bank states it)Amount slabRate (% p.a.)
linked NRE Fixed Deposit (tenure customer-chosen)NRE Sweep-Inup to ₹3,00,00,000rate not captured

NRO Savings SweepNRO_SAVINGS_SWEEP

1 row with no rate
w.e.f. 2009-06-121 row
View source — product page ↗
NRO Savings Sweep rates — w.e.f. 2009-06-12
Tenure (as the bank states it)Amount slabRate (% p.a.)
linked NRO Fixed Deposit (tenure customer-chosen)NRO Sweep-Inup to ₹3,00,00,000rate not captured

NRI deposits

NRENRE

w.e.f. 2026-03-0611 rows
View source — product page ↗
NRE rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year to < 15 months₹5,000 – ₹3,00,00,0006.25%
15 months to < 18 months₹5,000 – ₹3,00,00,0006.35%
18 months to < 21 months₹5,000 – ₹3,00,00,0006.45%
21 months to 2 years₹5,000 – ₹3,00,00,0006.45%
2 Years 1 day to < 2 Year 11 Months₹5,000 – ₹3,00,00,0006.45%
2 Years 11 Months (35 months)₹5,000 – ₹3,00,00,0006.45%
2 Years 11 Months 1 day <= 3 Year₹5,000 – ₹3,00,00,0006.45%
3 Years 1 day to < 4 Years 7 Months₹5,000 – ₹3,00,00,0006.50%
4 Year 7 Months (55 months)₹5,000 – ₹3,00,00,0006.40%
4 Year 7 Months 1 day <=5 Years₹5,000 – ₹3,00,00,0006.40%
5 Years 1 day to 10 Years₹5,000 – ₹3,00,00,0006.15%

NRE · Non-CallableNRE_NC

w.e.f. 2026-07-247 rows
View source — product page ↗
NRE · Non-Callable rates — w.e.f. 2026-07-24
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year to < 15 months (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.30%
15 months to < 18 months (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.30%
18 months to < 21 months (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.45%
21 months to 2 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.45%
2 year 1 day to 3 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.35%
3 year 1 day to 5 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.45%
5 year 1 day to 10 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.25%

NRONRO

w.e.f. 2026-03-0619 rows
View source — product page ↗
NRO rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
7 - 14 days₹25,000 – ₹3,00,00,0002.75%
15-29 days₹25,000 – ₹3,00,00,0002.75%
30-45 days₹25,000 – ₹3,00,00,0003.25%
46-60 days₹25,000 – ₹3,00,00,0004.25%
61-89 days₹25,000 – ₹3,00,00,0004.25%
90 days <= 6 months₹25,000 – ₹3,00,00,0004.25%
6 months 1 day <=9 months₹25,000 – ₹3,00,00,0005.50%
9 months 1 day to < 1 Year₹25,000 – ₹3,00,00,0005.75%
1 Year to < 15 months₹25,000 – ₹3,00,00,0006.25%
15 months to < 18 months₹25,000 – ₹3,00,00,0006.35%
18 months to < 21 months₹25,000 – ₹3,00,00,0006.45%
21 months to 2 years₹25,000 – ₹3,00,00,0006.45%
2 Years 1 day to < 2 Year 11 Months₹25,000 – ₹3,00,00,0006.45%
2 Years 11 Months (35 months)₹25,000 – ₹3,00,00,0006.45%
2 Years 11 Months 1 day <= 3 Year₹25,000 – ₹3,00,00,0006.45%
3 Years 1 day to < 4 Years 7 Months₹25,000 – ₹3,00,00,0006.50%
4 Year 7 Months (55 months)₹25,000 – ₹3,00,00,0006.40%
4 Year 7 Months 1 day <=5 Years₹25,000 – ₹3,00,00,0006.40%
5 Years 1 day to 10 Years₹25,000 – ₹3,00,00,0006.15%

NRO · Non-CallableNRO_NC

w.e.f. 2026-07-247 rows
View source — product page ↗
NRO · Non-Callable rates — w.e.f. 2026-07-24
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year to < 15 months (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.30%
15 months to < 18 months (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.30%
18 months to < 21 months (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.45%
21 months to 2 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.45%
2 year 1 day to 3 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.35%
3 year 1 day to 5 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.45%
5 year 1 day to 10 years (Non-Withdrawable)₹2,00,00,000 – ₹3,00,00,0006.25%

RFC · USD (returned NRI)RFC_USD

3 w.e.f. dates live at once
w.e.f. 2026-07-03USDrate card 1 of 314 rows
View source — product page ↗
RFC · USD (returned NRI) rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year-less than 2 yearsUSD 0 – USD 100,0003.50%
1 Year-less than 2 yearsUSD 100,000 – USD 500,0003.50%
1 Year-less than 2 yearsUSD 500,000 – USD 1,000,0003.50%
1 Year-less than 2 yearsUSD 1,000,000 – USD 10,000,0003.50%
1 Year-less than 2 yearsUSD 10,000,000 – USD 20,000,0003.50%
1 Year-less than 2 yearsUSD 20,000,000 – USD 100,000,0003.50%
1 Year-less than 2 yearsUSD 100,000,000 and above3.50%
2 years - less than 3 yearsUSD 0 – USD 100,0003.25%
2 years - less than 3 yearsUSD 100,000 – USD 500,0003.25%
2 years - less than 3 yearsUSD 500,000 – USD 1,000,0003.25%
2 years - less than 3 yearsUSD 1,000,000 – USD 10,000,0003.25%
2 years - less than 3 yearsUSD 10,000,000 – USD 20,000,0003.25%
2 years - less than 3 yearsUSD 20,000,000 – USD 100,000,0003.25%
2 years - less than 3 yearsUSD 100,000,000 and above3.25%
w.e.f. 2026-07-01USDrate card 2 of 37 rows
View source — product page ↗
RFC · USD (returned NRI) rates — w.e.f. 2026-07-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 years onlyUSD 0 – USD 100,0003.80%
3 years onlyUSD 100,000 – USD 500,0003.80%
3 years onlyUSD 500,000 – USD 1,000,0003.80%
3 years onlyUSD 1,000,000 – USD 10,000,0003.80%
3 years onlyUSD 10,000,000 – USD 20,000,0003.80%
3 years onlyUSD 20,000,000 – USD 100,000,0003.80%
3 years onlyUSD 100,000,000 and above3.80%
w.e.f. 2018-12-01USDrate card 3 of 328 rows
View source — product page ↗
RFC · USD (returned NRI) rates — w.e.f. 2018-12-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
Less than 29 DaysUSD 0 – USD 100,0000.01%
Less than 29 DaysUSD 100,000 – USD 500,0000.01%
Less than 29 DaysUSD 500,000 – USD 1,000,0000.01%
Less than 29 DaysUSD 1,000,000 – USD 10,000,0000.01%
Less than 29 DaysUSD 10,000,000 – USD 20,000,0000.01%
Less than 29 DaysUSD 20,000,000 – USD 100,000,0000.01%
Less than 29 DaysUSD 100,000,000 and above0.01%
30 days - 3 MonthsUSD 0 – USD 100,0000.01%
30 days - 3 MonthsUSD 100,000 – USD 500,0000.01%
30 days - 3 MonthsUSD 500,000 – USD 1,000,0000.01%
30 days - 3 MonthsUSD 1,000,000 – USD 10,000,0000.01%
30 days - 3 MonthsUSD 10,000,000 – USD 20,000,0000.01%
30 days - 3 MonthsUSD 20,000,000 – USD 100,000,0000.01%
30 days - 3 MonthsUSD 100,000,000 and above0.01%
3 Months 1day - 6 MonthsUSD 0 – USD 100,0000.01%
3 Months 1day - 6 MonthsUSD 100,000 – USD 500,0000.01%
3 Months 1day - 6 MonthsUSD 500,000 – USD 1,000,0000.01%
3 Months 1day - 6 MonthsUSD 1,000,000 – USD 10,000,0000.01%
3 Months 1day - 6 MonthsUSD 10,000,000 – USD 20,000,0000.01%
3 Months 1day - 6 MonthsUSD 20,000,000 – USD 100,000,0000.01%
3 Months 1day - 6 MonthsUSD 100,000,000 and above0.01%
6 Months 1day to less than 1 YearUSD 0 – USD 100,0000.01%
6 Months 1day to less than 1 YearUSD 100,000 – USD 500,0000.01%
6 Months 1day to less than 1 YearUSD 500,000 – USD 1,000,0000.01%
6 Months 1day to less than 1 YearUSD 1,000,000 – USD 10,000,0000.01%
6 Months 1day to less than 1 YearUSD 10,000,000 – USD 20,000,0000.01%
6 Months 1day to less than 1 YearUSD 20,000,000 – USD 100,000,0000.01%
6 Months 1day to less than 1 YearUSD 100,000,000 and above0.01%

RFC · GBP (returned NRI)RFC_GBP

3 w.e.f. dates live at once
w.e.f. 2026-07-03GBPrate card 1 of 32 rows
View source — product page ↗
RFC · GBP (returned NRI) rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year-less than 2 years—3.40%
2 years - less than 3 years—0.01%
w.e.f. 2026-07-01GBPrate card 2 of 31 row
View source — product page ↗
RFC · GBP (returned NRI) rates — w.e.f. 2026-07-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 years only—0.01%
w.e.f. 2018-12-01GBPrate card 3 of 34 rows
View source — product page ↗
RFC · GBP (returned NRI) rates — w.e.f. 2018-12-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
Less than 29 Days—0.01%
30 days - 3 Months—0.01%
3 Months 1day - 6 Months—0.01%
6 Months 1day to less than 1 Year—0.01%

RFC · EUR (returned NRI)RFC_EUR

3 w.e.f. dates live at once
w.e.f. 2026-07-03EURrate card 1 of 32 rows
View source — product page ↗
RFC · EUR (returned NRI) rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year-less than 2 years—2.30%
2 years - less than 3 years—0.01%
w.e.f. 2026-07-01EURrate card 2 of 31 row
View source — product page ↗
RFC · EUR (returned NRI) rates — w.e.f. 2026-07-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 years only—0.01%
w.e.f. 2018-12-01EURrate card 3 of 34 rows
View source — product page ↗
RFC · EUR (returned NRI) rates — w.e.f. 2018-12-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
Less than 29 Days—0.01%
30 days - 3 Months—0.01%
3 Months 1day - 6 Months—0.01%
6 Months 1day to less than 1 Year—0.01%

RFC · YEN (JPY) (returned NRI)RFC_JPY

3 w.e.f. dates live at once
w.e.f. 2026-07-03JPYrate card 1 of 32 rows
View source — product page ↗
RFC · YEN (JPY) (returned NRI) rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year-less than 2 years—0.90%
2 years - less than 3 years—0.01%
w.e.f. 2026-07-01JPYrate card 2 of 31 row
View source — product page ↗
RFC · YEN (JPY) (returned NRI) rates — w.e.f. 2026-07-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 years only—0.01%
w.e.f. 2018-12-01JPYrate card 3 of 34 rows
View source — product page ↗
RFC · YEN (JPY) (returned NRI) rates — w.e.f. 2018-12-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
Less than 29 Days—0.01%
30 days - 3 Months—0.01%
3 Months 1day - 6 Months—0.01%
6 Months 1day to less than 1 Year—0.01%

RFC Savings (returned NRI)RFC_SAVINGS

w.e.f. 2017-07-01GBPrate card 1 of 21 row
View source — product page ↗
RFC Savings (returned NRI) rates — w.e.f. 2017-07-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
on-call—0.01%
w.e.f. 2017-07-01USDrate card 2 of 21 row
View source — product page ↗
RFC Savings (returned NRI) rates — w.e.f. 2017-07-01
Tenure (as the bank states it)Amount slabRate (% p.a.)
on-call—0.01%

NRI recurring deposits

NRE RDNRE_RD

4 w.e.f. dates live at once
w.e.f. 2026-03-06rate card 1 of 46 rows
View source — product page ↗
NRE RD rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
39 Months₹1,000 and above6.50%
42 Months₹1,000 and above6.50%
45 Months₹1,000 and above6.50%
48 Months₹1,000 and above6.50%
51 Months₹1,000 and above6.50%
54 Months₹1,000 and above6.50%
w.e.f. 2025-12-17rate card 2 of 41 row
View source — product page ↗
NRE RD rates — w.e.f. 2025-12-17
Tenure (as the bank states it)Amount slabRate (% p.a.)
18 Months₹1,000 and above6.45%
w.e.f. 2025-06-25rate card 3 of 41 row
View source — product page ↗
NRE RD rates — w.e.f. 2025-06-25
Tenure (as the bank states it)Amount slabRate (% p.a.)
15 Months₹1,000 and above6.35%
w.e.f. 2025-06-10rate card 4 of 429 rows
View source — product page ↗
NRE RD rates — w.e.f. 2025-06-10
Tenure (as the bank states it)Amount slabRate (% p.a.)
12 Months₹1,000 and above6.25%
21 Months₹1,000 and above6.45%
24 Months₹1,000 and above6.45%
27 Months₹1,000 and above6.45%
30 Months₹1,000 and above6.45%
33 Months₹1,000 and above6.45%
36 Months₹1,000 and above6.45%
57 Months₹1,000 and above6.40%
60 Months₹1,000 and above6.40%
63 Months₹1,000 and above6.15%
66 Months₹1,000 and above6.15%
69 Months₹1,000 and above6.15%
72 Months₹1,000 and above6.15%
75 Months₹1,000 and above6.15%
78 Months₹1,000 and above6.15%
81 Months₹1,000 and above6.15%
84 Months₹1,000 and above6.15%
87 Months₹1,000 and above6.15%
90 Months₹1,000 and above6.15%
93 Months₹1,000 and above6.15%
96 Months₹1,000 and above6.15%
99 Months₹1,000 and above6.15%
102 Months₹1,000 and above6.15%
105 Months₹1,000 and above6.15%
108 Months₹1,000 and above6.15%
111 Months₹1,000 and above6.15%
114 Months₹1,000 and above6.15%
117 Months₹1,000 and above6.15%
120 Months₹1,000 and above6.15%

NRO RDNRO_RD

4 w.e.f. dates live at once
w.e.f. 2026-03-06rate card 1 of 46 rows
View source — product page ↗
NRO RD rates — w.e.f. 2026-03-06
Tenure (as the bank states it)Amount slabRate (% p.a.)
39 Months₹1,000 and above6.50%
42 Months₹1,000 and above6.50%
45 Months₹1,000 and above6.50%
48 Months₹1,000 and above6.50%
51 Months₹1,000 and above6.50%
54 Months₹1,000 and above6.50%
w.e.f. 2025-12-17rate card 2 of 41 row
View source — product page ↗
NRO RD rates — w.e.f. 2025-12-17
Tenure (as the bank states it)Amount slabRate (% p.a.)
18 Months₹1,000 and above6.45%
w.e.f. 2025-06-25rate card 3 of 41 row
View source — product page ↗
NRO RD rates — w.e.f. 2025-06-25
Tenure (as the bank states it)Amount slabRate (% p.a.)
15 Months₹1,000 and above6.35%
w.e.f. 2025-06-10rate card 4 of 431 rows
View source — product page ↗
NRO RD rates — w.e.f. 2025-06-10
Tenure (as the bank states it)Amount slabRate (% p.a.)
6 Months₹1,000 and above4.25%
9 Months₹1,000 and above5.50%
12 Months₹1,000 and above6.25%
21 Months₹1,000 and above6.45%
24 Months₹1,000 and above6.45%
27 Months₹1,000 and above6.45%
30 Months₹1,000 and above6.45%
33 Months₹1,000 and above6.45%
36 Months₹1,000 and above6.45%
57 Months₹1,000 and above6.40%
60 Months₹1,000 and above6.40%
63 Months₹1,000 and above6.15%
66 Months₹1,000 and above6.15%
69 Months₹1,000 and above6.15%
72 Months₹1,000 and above6.15%
75 Months₹1,000 and above6.15%
78 Months₹1,000 and above6.15%
81 Months₹1,000 and above6.15%
84 Months₹1,000 and above6.15%
87 Months₹1,000 and above6.15%
90 Months₹1,000 and above6.15%
93 Months₹1,000 and above6.15%
96 Months₹1,000 and above6.15%
99 Months₹1,000 and above6.15%
102 Months₹1,000 and above6.15%
105 Months₹1,000 and above6.15%
108 Months₹1,000 and above6.15%
111 Months₹1,000 and above6.15%
114 Months₹1,000 and above6.15%
117 Months₹1,000 and above6.15%
120 Months₹1,000 and above6.15%

FCNR — callable

FCNR · USD · CallableFCNR_USD

w.e.f. 2026-07-03USD2 rows
View source — product page ↗
FCNR · USD · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsUSD 1,000 – USD 1,000,0003.50%
2 years - less than 3 yearsUSD 1,000 – USD 1,000,0003.25%

FCNR · GBP · CallableFCNR_GBP

w.e.f. 2026-07-03GBP2 rows
View source — product page ↗
FCNR · GBP · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsGBP 2,500 – GBP 800,0003.40%
2 years - less than 3 yearsGBP 2,500 – GBP 800,0003.25%

FCNR · EUR · CallableFCNR_EUR

w.e.f. 2026-07-03EUR2 rows
View source — product page ↗
FCNR · EUR · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsEUR 2,500 – EUR 920,0002.30%
2 years - less than 3 yearsEUR 2,500 – EUR 920,0001.90%

FCNR · YEN (JPY) · CallableFCNR_JPY

w.e.f. 2026-07-03JPY1 row
View source — product page ↗
FCNR · YEN (JPY) · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsJPY 750,000 – JPY 150,000,0000.90%

FCNR · CAD · CallableFCNR_CAD

w.e.f. 2026-07-03CAD2 rows
View source — product page ↗
FCNR · CAD · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsCAD 1,000 – CAD 1,400,0002.30%
2 years - less than 3 yearsCAD 1,000 – CAD 1,400,0002.10%

FCNR · AUD · CallableFCNR_AUD

w.e.f. 2026-07-03AUD2 rows
View source — product page ↗
FCNR · AUD · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsAUD 1,000 – AUD 1,500,0003.50%
2 years - less than 3 yearsAUD 1,000 – AUD 1,500,0003.25%

FCNR · SGD · CallableFCNR_SGD

w.e.f. 2026-07-03SGD2 rows
View source — product page ↗
FCNR · SGD · Callable rates — w.e.f. 2026-07-03
Tenure (as the bank states it)Amount slabRate (% p.a.)
1 Year- less than 2 yearsSGD 2,500 – SGD 1,350,0001.15%
2 years - less than 3 yearsSGD 2,500 – SGD 1,350,0001.00%

FCNR — non-callable

FCNR · USD · Non-CallableFCNR_USD_NC

w.e.f. 2026-06-22USD3 rows
View source — product page ↗
FCNR · USD · Non-Callable rates — w.e.f. 2026-06-22
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 year to less than 4 yearsUSD 1,000 – USD 1,000,0006.00%
4 years to less than 5 yearsUSD 1,000 – USD 1,000,0006.00%
5 years onlyUSD 1,000 – USD 1,000,0006.00%

FCNR · GBP · Non-CallableFCNR_GBP_NC

w.e.f. 2026-06-22GBP3 rows
View source — product page ↗
FCNR · GBP · Non-Callable rates — w.e.f. 2026-06-22
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 year to less than 4 yearsGBP 2,500 – GBP 800,0005.90%
4 years to less than 5 yearsGBP 2,500 – GBP 800,0005.90%
5 years onlyGBP 2,500 – GBP 800,0005.90%

FCNR · EUR · Non-CallableFCNR_EUR_NC

w.e.f. 2026-06-22EUR3 rows
View source — product page ↗
FCNR · EUR · Non-Callable rates — w.e.f. 2026-06-22
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 year to less than 4 yearsEUR 2,500 – EUR 920,0004.50%
4 years to less than 5 yearsEUR 2,500 – EUR 920,0004.55%
5 years onlyEUR 2,500 – EUR 920,0004.55%

FCNR · CAD · Non-CallableFCNR_CAD_NC

w.e.f. 2026-06-22CAD3 rows
View source — product page ↗
FCNR · CAD · Non-Callable rates — w.e.f. 2026-06-22
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 year to less than 4 yearsCAD 1,000 – CAD 1,400,0004.50%
4 years to less than 5 yearsCAD 1,000 – CAD 1,400,0004.50%
5 years onlyCAD 1,000 – CAD 1,400,0004.50%

FCNR · AUD · Non-CallableFCNR_AUD_NC

w.e.f. 2026-06-22AUD3 rows
View source — product page ↗
FCNR · AUD · Non-Callable rates — w.e.f. 2026-06-22
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 year to less than 4 yearsAUD 1,000 – AUD 1,500,0006.25%
4 years to less than 5 yearsAUD 1,000 – AUD 1,500,0006.25%
5 years onlyAUD 1,000 – AUD 1,500,0006.25%

FCNR · SGD · Non-CallableFCNR_SGD_NC

w.e.f. 2026-06-22SGD3 rows
View source — product page ↗
FCNR · SGD · Non-Callable rates — w.e.f. 2026-06-22
Tenure (as the bank states it)Amount slabRate (% p.a.)
3 year to less than 4 yearsSGD 2,500 – SGD 1,350,0003.40%
4 years to less than 5 yearsSGD 2,500 – SGD 1,350,0003.40%
5 years onlySGD 2,500 – SGD 1,350,0003.40%

If you break it early

Breaking this deposit early — FD · General

Every band HDFC Bank publishes for premature closure of FD · General, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.

Deposit amountHow long it has runWhat it costsHow it is worked out
₹5,000 to under ₹3 crore0 days to 6 daysno penalty
No interest is paid at all.
₹5 lakh to ₹299 lakh0 days to 6 daysno penalty
No interest is paid at all.
₹5,000 to under ₹3 crore7 days to 10 years1% off your rate
Worked out on the rate for the period you actually ran, not the rate you booked at.
₹5 lakh to ₹299 lakh7 days to 10 years1% off your rate
Worked out on the rate for the period you actually ran, not the rate you booked at.
The bank’s own wording
  • ₹5,000 to under ₹3 crore · 0 days to 6 days
    “The term deposit must run for a minimum tenor of 7 days from the date of value date in order to earn any interest. Premature withdrawals before this minimum tenor will result in zero interest payment”
    Source
  • ₹5 lakh to ₹299 lakh · 0 days to 6 days
    “The term deposit must run for a minimum tenor of 7 days from the date of value date in order to earn any interest. Premature withdrawals before this minimum tenor will result in zero interest payment”
    Source
  • ₹5,000 to under ₹3 crore · 7 days to 10 years
    “the interest rate applicable for premature withdrawal including Sweep-in/Partial Withdrawal will be 1% less (penalty as applicable) of the rate on the date of deposit booked to the period for which deposit remained with the bank and not at the contracted rate.”
    Source
  • ₹5 lakh to ₹299 lakh · 7 days to 10 years
    “the interest rate applicable for premature withdrawal including Sweep-in/Partial Withdrawal will be 1% less (penalty as applicable) of the rate on the date of deposit booked to the period for which deposit remained with the bank and not at the contracted rate.”
    Source

Breaking this deposit early — FD · Senior Citizen

Every band HDFC Bank publishes for premature closure of FD · Senior Citizen, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.

Deposit amountHow long it has runWhat it costsHow it is worked out
₹5,000 to under ₹3 crore0 days to 6 daysno penalty
No interest is paid at all.
₹5,000 to under ₹3 crore7 days to 10 years1% off your rate
Worked out on the rate for the period you actually ran, not the rate you booked at.
The bank’s own wording
  • ₹5,000 to under ₹3 crore · 0 days to 6 days
    “The term deposit must run for a minimum tenor of 7 days from the date of value date in order to earn any interest. Premature withdrawals before this minimum tenor will result in zero interest payment”
    Source
  • ₹5,000 to under ₹3 crore · 7 days to 10 years
    “the interest rate applicable for premature withdrawal including Sweep-in/Partial Withdrawal will be 1% less (penalty as applicable) of the rate on the date of deposit booked to the period for which deposit remained with the bank and not at the contracted rate.”
    Source

Breaking this deposit early — FD · Non-Callable

Every band HDFC Bank publishes for premature closure of FD · Non-Callable, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.

Deposit amountHow long it has runWhat it costsHow it is worked out
₹2 crore to under ₹3 crore1 year to 10 yearscannot be closed early
The bank’s own wording
  • ₹2 crore to under ₹3 crore · 1 year to 10 years
    “The Deposits cannot be closed by the depositor before expiry of the tenure.”
    Source

Breaking this deposit early — Tax Saver

Every band HDFC Bank publishes for premature closure of Tax Saver, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.

Deposit amountHow long it has runWhat it costsHow it is worked out
₹5,000 to ₹1,50,0005 years to 5 yearscannot be closed early
The bank’s own wording
  • ₹5,000 to ₹1,50,000 · 5 years to 5 years
    “premature withdrawal facility is not allowed under Non withdrawable FD and Tax Saver Deposit (5 Year lock-in).”
    Source

Breaking this deposit early — Tax Saver SC

Every band HDFC Bank publishes for premature closure of Tax Saver SC, in the bank’s own amount and tenure boundaries. The cost changes with BOTH how much you deposited and how long it has run.

Deposit amountHow long it has runWhat it costsHow it is worked out
₹5,000 to ₹1,50,0005 years to 5 yearscannot be closed early
The bank’s own wording
  • ₹5,000 to ₹1,50,000 · 5 years to 5 years
    “premature withdrawal facility is not allowed under Non withdrawable FD and Tax Saver Deposit (5 Year lock-in).”
    Source

Not yet verified

We have not read and recorded HDFC Bank’s premature-withdrawal terms for RD, RD · SC, Savings, NRE Savings, NRO Savings, Savings Sweep, NRE Savings Sweep, NRO Savings Sweep, NRE, NRE · Non-Callable, NRO, NRO · Non-Callable, RFC · USD (returned NRI), RFC · GBP (returned NRI), RFC · EUR (returned NRI), RFC · YEN (JPY) (returned NRI), RFC Savings (returned NRI), NRE RD, NRO RD, FCNR · USD · Callable, FCNR · GBP · Callable, FCNR · EUR · Callable, FCNR · YEN (JPY) · Callable, FCNR · CAD · Callable, FCNR · AUD · Callable, FCNR · SGD · Callable, FCNR · USD · Non-Callable, FCNR · GBP · Non-Callable, FCNR · EUR · Non-Callable, FCNR · CAD · Non-Callable, FCNR · AUD · Non-Callable, FCNR · SGD · Non-Callable. That is not a statement that breaking these is free. It means nobody has yet read the bank’s own wording for them. Ask the bank before you assume a cost.

Not offered by HDFC Bank

21 products we track are confirmed absent from this bank — each verdict recorded against the page that was read. Products missing from both lists are ones we have not yet established either way.

Fixed deposits

Tax-saver deposits (80C)

Recurring deposits

NRI deposits

  • RFC · AUD (returned NRI)source ↗checked 2026-07-26
  • RFC · CAD (returned NRI)source ↗checked 2026-07-26
  • RFC · CHF (returned NRI)source ↗checked 2026-07-26
  • RFC · HKD (returned NRI)source ↗checked 2026-07-26
  • RFC · NZD (returned NRI)source ↗checked 2026-07-26
  • RFC · SEK (Krona) (returned NRI)source ↗checked 2026-07-26
  • RFC · SGD (returned NRI)source ↗checked 2026-07-26

FCNR — callable

  • FCNR · CHF · Callablesource ↗checked 2026-07-18
  • FCNR · HKD · Callablesource ↗checked 2026-07-18
  • FCNR · NZD · Callablesource ↗checked 2026-07-14
  • FCNR · SEK (Krona) · Callablesource ↗checked 2026-07-18
  • FCNR · SEK (Krona) · Non-Callablesource ↗checked 2026-07-18

FCNR — non-callable

  • FCNR · CHF · Non-Callablesource ↗checked 2026-07-18
  • FCNR · HKD · Non-Callablesource ↗checked 2026-07-18
  • FCNR · NZD · Non-Callablesource ↗checked 2026-07-18
  • FCNR · YEN (JPY) · Non-Callablesource ↗checked 2026-07-26

Financial healthQ4FY26

Full transparency report →
GNPA
1.20%
NNPA
0.32%
CAR
20.50%
CASA
36.00%
ROA
2.05%
ROE
15.80%

How to read this page

  • Tenures are the bank's own words. “1 Year to 443 days” is printed exactly as HDFC Bank prints it. We never convert a band into a day count or a midpoint — that would be a number the bank never published.
  • One card, one w.e.f. When a product is live under several “with effect from” dates, each gets its own card. We do not merge them into a table the bank never issued.
  • Every card links to its source. The product's own page where we have it, otherwise the bank's FD rate page, otherwise the bank's website. Aggregator sites are never a source.
  • Only approved, current rows appear. 365 rows on this page are published and un-superseded. Rows awaiting verification, and rows a later rate card replaced, are not shown.

MyPassbook is read-only and never touches your money. Rates change without notice — always confirm on the bank's own page before you book. Deposits with scheduled commercial banks in India are insured by DICGC up to ₹5,00,000 per depositor per bank.