HDFC Bank New FD Rates December 2025: Rates Slashed – Up to 6.45% General, 6.95% Seniors!
HDFC Bank has revised its fixed deposit (FD) interest rates effective December 17, 2025, following the RBI's recent repo rate cut. The bank has reduced rates by 15 basis points on tenures between 18 months and less than 21 months for deposits below ₹3 crore.
This brings the highest rate to 6.45% for general citizens and 6.95% for senior citizens on select tenures. If you're planning an FD, now might be the time to lock in before further changes!
HDFC Bank – Trusted for safe and rewarding fixed deposits.
Key Changes in HDFC Bank FD Rates (Effective December 17, 2025)
- Reduced Tenure: 18 months to less than 21 months
- General Citizens: Down from 6.60% to 6.45%
- Senior Citizens: Down from 7.10% to 6.95% (extra 0.50% benefit)
- Rates apply to domestic, NRE, and NRO deposits below ₹3 crore
- Short-term rates start from 2.75% (7-29 days)
Latest HDFC Bank FD Interest Rates Table (Deposits Below ₹3 Crore)
| Tenure | General Public (%) | Senior Citizens (%) |
|---|---|---|
| 7 - 14 days | 2.75 | 3.25 |
| 15 - 29 days | 2.75 | 3.25 |
| 30 - 45 days | 3.00 | 3.50 |
| 46 days - 6 months | 4.50 | 5.00 |
| 6 months 1 day - 9 months | 5.50 | 6.00 |
| 9 months 1 day - 1 year | 6.00 | 6.50 |
| 1 year - 15 months | 6.25 | 6.75 |
| 15 months - 18 months | 6.40 | 6.90 |
| 18 months - <21 months | 6.45 | 6.95 |
| 21 months - 2 years | 6.40 | 6.90 |
| 2 years 1 day - 3 years | 6.40 | 6.90 |
| 3 years 1 day - 5 years | 6.25 | 6.75 |
| 5 years 1 day - 10 years | 6.15 | 6.65 |
Rates as of December 17, 2025. Highest rate highlighted. Subject to change without prior notice.
Senior citizens continue to enjoy an extra 0.50% on all tenures.
Why the Rate Cut?
The revision comes after the RBI's 25 bps repo rate cut to 5.25% in early December 2025. Banks are passing on the benefit through lower deposit rates while reducing lending rates.
Tips for FD Investors
- Act Fast: If your FD is maturing, renew soon to lock in current rates.
- Tax Note: Interest above ₹40,000 (₹50,000 for seniors) is subject to TDS.
- Compare Options: Check small finance banks or post office schemes for higher returns.
- Easy Booking: Open HDFC FD via NetBanking, mobile app, or branch (minimum ₹5,000).
Which bank are you investing your FD with this month? Share in the comments below!
Last Updated: December 18, 2025 – Based on official HDFC Bank announcements.