HDFC Bank’s special edition Fixed Deposit (FD) offering higher rate of interest will end soon. This exclusive FD scheme was introduced to provide investors with an opportunity to maximize their savings while ensuring stable and guaranteed returns.
With just a few days left before the deadline, investors are urged to take advantage of this limited-time offer and lock in the higher interest rates available under this scheme
Read More: Unified Pension Scheme from April 1: Who qualifies for 50% guaranteed pension?
When is the last date to invest in Special Edition Fixed Deposit (FD)?
The last date to invest in Special Edition FD is March 31, 2025.
What is a Special Edition Fixed Deposit?
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%. This additional 0.50% benefit for senior citizens helps them maximize their savings and generate better returns on their deposits.
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. This tenure is suitable for investors looking for long-term financial stability, ensuring consistent interest earnings over an extended period.
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| Interest Rate Per Annum for Regular Citizens | Interest Rate Per Annum for Senior Citizens | |
| 2 years, 11 months (35 months) | 7.35% | 7.85% |
| 4 years, 07 months (55 months) | 7.40% | 7.90% |
HDFC Bank FD interest rates
HDFC Bank offers an interest rate between 3% and 7.40% on fixed deposits for regular citizens for tenure ranging from 7 days to 10 years for amounts less than Rs 3 crore.
For senior citizens, FD interest rates vary between 3.50% and 7.90% for citizens on tenures ranging from 7 days to 10 years for amounts less than Rs 3 crore.
| Tenor Bucket | 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% |
