It is the era of uncertain economy and fluctuating markets, the wise investors turn their attention back to the ever-reliable fixed deposits. The HDFC Bank, India’s largest private lender, has presented new FD schemes for the year 2025 which not only provide guaranteed returns but also give flexible options and comfort. No matter if you are saving for retirement, a luxury trip, or just for keeping your money above inflation, the updated schemes will make your savings more smart and rewarding than never before.
Why FDs of HDFC Bank in 2025?
HDFC Bank fixed deposits are the most secure and the safest one because they are covered by the DICGC insurance which goes up to 5 lakhs rupees. The fixed deposits of HDFC Bank are giving and thus allowing investors to have certain and predictable growth without any risk from the market.
The most important features are adjustable deposit periods from seven days to ten years. The investors may get the option of receiving rewards in the form of a monthly, quarterly, or cumulative payout.
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The loan against fixed deposit can be up to 90% of the value of the fixed deposit.
The overview of the latest interest rates
As of the last month of the year 2025, the HDFC Bank is offering the most attractive rates for customers who want to make a deposit of less than 3 crores. Rates are always in a state of flux; hence it is advisable to check the official website for the latest information.
The following is a brief overview of the key period of rates:
| Tenure | General Public (% p.a.) | Senior Citizens (% p.a.) |
|---|---|---|
| 7 – 29 days | 3.00 | 3.50 |
| 30 – 45 days | 3.50 | 4.00 |
| 46 days – 6 months | 4.50 – 5.50 | 5.00 – 6.00 |
| 6 months 1 day – 1 year | 6.00 – 6.60 | 6.50 – 7.10 |
| 1 year – 2 years | 6.60 – 7.00 | 7.10 – 7.50 |
| 2 years 1 day – 3 years | 7.00 | 7.50 |
| 3 years 1 day – 5 years | 6.90 – 7.00 | 7.40 – 7.50 |
| 5 years 1 day – 10 years | 6.50 – 7.00 | 7.00 – 7.50 |
Fantastic Special Schemes for 2025
HDFC Bank has come up with a new set of fixed deposit options besides the regular ones.
The 21-Month Special FD is offering a higher yield to the medium-term depositors.
The Tax-Saving FD deposits one amount for five years and one gets Section 80C benefits when the amount is up to and including INR 1.5 lakh.
The HealthCover FD produces profits while at the same time covers hospitalization costs.
Non-resident Indians can open NRE/NRO/FCNR deposits that come with tax benefits and the ability to transfer funds back home.
And for the short term customers, there are 450-day or similar buckets for quick maturity available now with a fresh twist.
