HDFC BankThe country’s largest private sector lender has reduced the interest rate on single -fixed deposit (FD) tenure for deposit of less than Rs 3 crore by 25 basis points (BPS). The revised rates are effective from June 25, 2025. This is the second rate of deduction by the bank this month. On June 10, 2025, HDFC Bank reduced FD rates on select term after a shortage of 50 bps, which was from 6% to 6% to 6% -5.5% -5% -5% by the Reserve Bank (RBI).
According to HDFC Bank’s website, the bank has also reduced interest rates by 25 BPS, 25 BPS effective from June 24, 2025.

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HDFC Bank is now providing FD interest rates from 2.75% to 6.60% to ordinary citizens in 18 months tenure; And from 3.25% to 7.10% for senior citizens for an amount below Rs 3 crore.

What are the tenure of reducing FD rates HDFC Bank?

HDFC Bank has reduced the interest rate on fixed deposits for ordinary citizens for less than 15 months for general citizens for less than 15 months; The rate for senior citizens has come down from 7.10% to 6.85%.

Premature return
According to HDFC Bank’s website, “With effect from July 22, 2023, the interest rate applied to premature return, including sweep-in/partial withdrawal, would be 1% lower (implemented) on the date of deposit, the period for which the deposit remains with the bank and not at the contracted rate.”

HDFC Bank modifies the savings account interest rates from June 24, 2025

The bank has made 25 BPS-to 2.75% to 2.50%, 24 June, 2025 on the balance of all savings accounts. Earlier, all the balances earned the same interest rate of 2.75% per year regardless of the amount. HDFC Bank Savings Account Interest is calculated at your account at a daily finale and paid at quarterly intervals.

Recurring deposit (RD) interest rates

HDFC Bank RD interest rates vary between 4.25% and 6.60% for ordinary citizens, and for senior citizens, RD rates vary between 4.75% and 7.10%. These rates are effective from June 10, 2025.

Duration	Interest rate (per year)	** Senior Civil Rates (per year)	Effective from
6 months	4.25%	4.75%	10 -June -25
9 months	5.50%	6.00%	10 -June -25
12 months	6.25%	6.75%	10 -June -25
15 months	6.35%	6.85%	25 -June -25
18 months	6.60%	7.10%	10 -June -25
21 months	6.45%	6.95%	10 -June -25
24 months	6.45%	6.95%	10 -June -25
27 months	6.45%	6.95%	10 -June -25
30 months	6.45%	6.95%	10 -June -25
33 months	6.45%	6.95%	10 -June -25
36 months	6.45%	6.95%	10 -June -25
39 months	6.40%	6.90%	10 -June -25
42 months	6.40%	6.90%	10 -June -25
45 months	6.40%	6.90%	10 -June -25
48 months	6.40%	6.90%	10 -June -25
51 months	6.40%	6.90%	10 -June -25
54 months	6.40%	6.90%	10 -June -25
57 months	6.40%	6.90%	10 -June -25
60 months	6.40%	6.90%	10 -June -25
63 months	6.15%	6.65%	10 -June -25
66 months	6.15%	6.65%	10 -June -25
69 months	6.15%	6.65%	10 -June -25
72 months	6.15%	6.65%	10 -June -25
75 months	6.15%	6.65%	10 -June -25
78 months	6.15%	6.65%	10 -June -25
81 months	6.15%	6.65%	10 -June -25
84 months	6.15%	6.65%	10 -June -25
87 months	6.15%	6.65%	10 -June -25
90 months	6.15%	6.65%	10 -June -25
93 months	6.15%	6.65%	10 -June -25
96 months	6.15%	6.65%	10 -June -25
99 months	6.15%	6.65%	10 -June -25
102 months	6.15%	6.65%	10 -June -25
105 months	6.15%	6.65%	10 -June -25
108 months	6.15%	6.65%	10 -June -25
111 months	6.15%	6.65%	10 -June -25
114 months	6.15%	6.65%	10 -June -25
117 months	6.15%	6.65%	10 -June -25
120 months	6.15%	6.65%	10 -June -25