HDFC Bank FD rates revised after RBI rate cut
HDFC Bank FD rates have been revised following the Reserve Bank of India’s decision to reduce the repo rate by 25 basis points. The updated fixed deposit interest rates are effective from 17 December 2025 and apply to deposits up to ₹3 crore.
This move comes at a time when interest rates across the banking sector are adjusting to RBI’s softer monetary stance, directly impacting savers and senior citizens looking for stable returns.
👉 Since fixed deposit returns depend on tenure and interest rates, calculating expected earnings in advance helps investors make informed decisions. A quick FD calculation can provide clarity before locking funds.
| Check FD Interest Earnings |
🔍 Why HDFC Bank revised FD interest rates
The RBI recently reduced the benchmark interest rate to 5.25%, aiming to support economic growth while keeping inflation under control. After this policy change, several banks started reviewing their deposit rates.
HDFC Bank FD interest rates were adjusted soon after similar steps taken by other major lenders. The revision mainly affects select medium-term and long-term deposit tenures.
RBI policy changes have a direct connection with fixed deposit rates, as banks adjust their cost of funds accordingly. When the repo rate is reduced, banks rebalance both lending and deposit rates to maintain margins. This is why HDFC Bank has revised FD interest rates for select tenures. Such changes usually do not happen overnight but take place gradually, giving investors time to review and realign their savings strategies.
📉 Key change in HDFC fixed deposit rates
According to official updates:
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✅ Certain tenures between 18 months and 21 months saw a reduction
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✅ Rates were marginally lowered for both general investors and senior citizens
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✅ Long-term deposits now offer slightly moderated returns compared to earlier months
Despite the cut, HDFC FD rates 2025 remain competitive for risk-averse investors.
📊 Latest HDFC Bank FD rates (Effective 17 December 2025)
🔹 HDFC Bank FD rates for general and senior citizens
| Tenure | General | Senior Citizens |
|---|---|---|
| 7 – 14 days | 2.75% | 3.25% |
| 15 – 29 days | 2.75% | 3.25% |
| 30 – 45 days | 3.25% | 3.75% |
| 46 – 60 days | 3.25% | 3.75% |
| 61 – 89 days | 3.25% | 3.75% |
| 90 days – 6 months | 3.25% | 3.75% |
| 6 months – 9 months | 5.50% | 6.00% |
| 9 months – < 1 year | 5.75% | 6.25% |
| 1 year – < 15 months | 6.25% | 6.75% |
| 15 months – < 18 months | 6.35% | 6.85% |
| 18 months – < 21 months | 6.45% | 6.95% |
| 21 months – < 2 years | 6.45% | 6.95% |
| 2 years – < 3 years | 6.45% | 6.95% |
| 3 years – < 5 years | 6.40% | 6.90% |
| 5 years – 10 years | 6.15% | 6.65% |
➡️ These are the latest HDFC Bank FD rates applicable for domestic deposits up to ₹3 crore.
👴 HDFC Bank FD rates for senior citizens
HDFC Bank FD rates for senior citizens are higher than regular deposits across most tenures. However:
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✅ Senior citizen benefits do not apply to NRI accounts
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✅ Minimum tenure for NRE deposits is 1 year
Senior investors looking for predictable income may still find value in select longer-term options.
Fixed deposits continue to be a preferred choice for senior citizens due to their predictable returns. The regular interest payout option can be especially useful for those who depend on monthly or quarterly income for routine expenses.
🧠 Should investors lock money at current FD rates?
With interest rates trending lower, locking funds at today’s HDFC fixed deposit rates can be beneficial for conservative investors. However:
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✅ Short-term FDs may offer limited returns
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✅ Long-term deposits provide stability but lower flexibility
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✅ Comparing FD returns with loan EMIs or other fixed-income options is advisable
For better planning, investors should evaluate cash flow needs before choosing tenure.
While choosing a fixed deposit, investors should look beyond the interest rate and also consider liquidity and future cash requirements. If funds may be needed during the tenure, locking the entire amount in a single long-term FD may not be ideal. Using staggered tenures can help maintain flexibility while earning stable returns.
👉 When interest rates change, investors often compare fixed deposit returns with loan EMIs to decide whether to save, invest, or reduce existing liabilities. A simple comparison can support better financial planning.
| Compare FD Returns vs Loan EMI |
📌 Key takeaways on HDFC Bank FD rates
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✅ HDFC Bank FD rates revised after RBI’s 25 bps repo rate cut
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✅ New rates effective from 17 December 2025
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✅ Senior citizens continue to receive higher interest rates
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✅ NRI deposits have different eligibility rules
🔚 Final thoughts
The revision in HDFC Bank FD rates after RBI rate cut reflects a broader shift in the interest-rate environment. While returns are slightly lower, fixed deposits remain a safe option for investors prioritizing capital protection and predictable income in 2025.