HDFC Bank FD Rates November 2026: Up to 7.20%
HDFC Bank FD Rates November 2026: Up to 7.20%
HDFC Bank FD Rates November 2026 have increased for selected deposit tenures, giving savers an opportunity to earn higher interest on new fixed deposits. The revised rates took effect on 4 November 2026, with eligible resident senior citizens receiving up to 7.20% per annum and general customers earning up to 6.60%.
The changes apply to deposits below ₹3 crore. Rates differ according to maturity period, and the highest advertised return is not available on every fixed deposit.
According to HDFC Bank’s official interest rate card, several tenures have received increases of between 5 and 50 basis points.
HDFC Bank FD Rates November 2026: Latest Rate Chart
The following annual interest rates apply to eligible domestic fixed deposits below ₹3 crore from 4 November 2026.
| Deposit tenure | General customers | Senior citizens |
|---|---|---|
| 7–14 days | 2.75% | 3.25% |
| 30–45 days | 3.25% | 3.75% |
| 61–89 days | 4.75% | 5.25% |
| 6 months 1 day–9 months | 5.65% | 6.15% |
| 9 months 1 day–less than 1 year | 5.90% | 6.40% |
| 1 year–less than 15 months | 6.25% | 6.75% |
| 18 months–less than 21 months | 6.50% | 7.00% |
| 2 years 1 day–3 years | 6.55% | 7.05% |
| 3 years 1 day–5 years | 6.60% | 7.20% |
| 5 years 1 day–10 years | 6.60% | 7.10% |
The three-to-five-year range above is a summary of several official tenure slabs, including the 55-month option. Rates are subject to change, so depositors should confirm the applicable rate on their booking date.
Which HDFC Bank FD Rates Have Increased?
HDFC Bank has raised rates for several short-, medium- and long-term deposits.
For deposits lasting 61 days to six months, the general customer rate increased from 4.25% to 4.75%, a rise of 50 basis points.
For deposits lasting six months and one day to nine months, the rate increased from 5.50% to 5.65%.
Longer-term deposits also benefited. The rate for general customers choosing more than five years and up to ten years rose from 6.15% to 6.60%.
Not every tenure changed. Rates for deposits lasting up to 60 days remained unchanged, while the one-year to less-than-18-month categories also retained their earlier rates.
Senior Citizens Can Earn Up to 7.20%
The highest HDFC Bank FD Rates November 2026 are available to eligible resident senior citizens for tenures exceeding three years and extending up to five years.
The maximum rate of 7.20% applies across the relevant official tenure slabs, including the 55-month deposit.
For tenures exceeding five years and extending to ten years, the senior citizen rate is 7.10%.
Senior citizen preferential rates generally apply to eligible resident individuals aged 60 or above. They do not apply to NRI deposits.
Depositors should also note that choosing a longer tenure does not necessarily produce a higher annual interest rate.
How Much Interest Can ₹1 Lakh or ₹5 Lakh Earn?
The following examples use the revised 6.60% general customer rate and 7.20% senior citizen rate.
For simplicity, they show interest for one year without compounding or tax deductions.
| Deposit amount | At 6.60% annually | At 7.20% annually |
|---|---|---|
| ₹1 lakh | ₹6,600 | ₹7,200 |
| ₹5 lakh | ₹33,000 | ₹36,000 |
These are illustrative annual interest amounts, not maturity values for a three-to-five-year FD.
For a cumulative deposit, the actual maturity value depends on the exact tenure and compounding frequency. Interest payouts may also differ for monthly or quarterly income options.
Use the bank’s official FD information to check product terms before booking.
What Should Depositors Check Before Investing?
The revised rates may appeal to savers looking for predictable interest income, but selecting an FD involves more than comparing the headline rate.
Depositors should consider the maturity date, emergency liquidity requirements, premature withdrawal penalties and applicable income tax.
HDFC Bank’s published terms indicate that premature withdrawal may result in a lower applicable interest rate and a penalty, depending on the deposit.
FD interest is generally taxable according to the depositor’s applicable tax provisions. The bank may deduct tax at source when statutory conditions are met.
Deposit insurance is also important. Eligible deposits are insured by the Deposit Insurance and Credit Guarantee Corporation up to ₹5 lakh per depositor per bank, including principal and interest, subject to applicable rules.
For details, see the DICGC deposit insurance guidance.
Frequently Asked Questions
What is HDFC Bank’s highest FD rate in November 2026?
The maximum published rate for deposits below ₹3 crore is 7.20% for eligible resident senior citizens and 6.60% for general customers.
When did the revised rates take effect?
The new interest rates became effective on 4 November 2026.
Do existing fixed deposits automatically receive higher rates?
Existing fixed deposits generally continue at their contracted rates. Revised rates normally apply to new deposits and renewals booked under the updated schedule.
Is a five-year FD always the best option?
Not necessarily. The appropriate tenure depends on liquidity needs, tax considerations, financial goals and the interest rate available for the exact maturity period.
Conclusion
HDFC Bank FD Rates November 2026 provide higher returns across selected tenures, particularly for depositors considering medium- and long-term fixed deposits.
Eligible senior citizens can earn up to 7.20%, while general customers can receive up to 6.60%. Before investing, compare the exact tenure, tax implications and premature withdrawal conditions rather than relying solely on the highest advertised rate.
Disclaimer: This article is for general financial information, not personalised investment advice. Interest rates may change without notice. Verify the current rate and terms with HDFC Bank before opening a deposit.
