The revision adjusts fixed deposit earnings by up to 50 basis points across select tenures for amounts below Rs 3 crore starting November 4, 2026. General depositors earn between 4.75% for shorter six-month terms and a peak of 6.60% for terms lasting beyond three years. Notably, deposits held for 5 years and 1 day to 10 years received a 45-basis-point boost, lifting senior citizen returns in that bracket to 7.10%.
Key points
Customers investing in deposits under Rs 3 crore can secure maximum returns of up to 6.60…: Customers investing in deposits under Rs 3 crore can secure maximum returns of up to 6.60% across long-term tenures.
Senior citizens benefit from an enhanced yield of 5.25% on maturities spanning 61 days to…: Senior citizens benefit from an enhanced yield of 5.25% on maturities spanning 61 days to 6 months.
The updated rate framework takes effect on November 4, 2026, delivering select tenure inc…: The updated rate framework takes effect on November 4, 2026, delivering select tenure increases of up to 50 basis points.
Sources checked by our analysis pipeline: 1
HDFC Bank has hiked interest rates on its fixed deposits (FD) for select tenures. The bank has raised the interest rates by up to 50 basis points (bps) for select maturity periods. The revised FD rates are effective from November 4, 2026, as per the bank's website.
After the revision, senior citizens can get a maximum FD interest rate of 7.20% on fixed deposits for the term from 3 years 1 day to 5 years. General customers can now earn a maximum rate of 6.60% on FD tenures of 3 years and 1 day to 10 years.
Also read: FD interest rates up to 8.60% in November 2026: Compare revised rates of Kotak Mahindra Bank, Axis Bank, Suryoday SFB and Utkarsh SFB
Also read: PNB, Canara Bank revise FD interest rates: Senior citizens can earn up to 7.25%; compare latest rates
Note: The above interest rates are for deposits below Rs 3 crore. Actual returns will depend on the deposit amount, tenure, and applicable terms and conditions.
For deposits with tenures of 61 days to six months, senior citizens will…
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