HDFC Bank FD Rates Updated for Dec 2025

• HDFC Bank revised FD rates after RBI's repo rate cut to 5.25% in Dec 2025.
• General public FD rates: 2.75%-6.45%. Senior citizens get up to 6.95%.
• Rate changes follow RBI's economic stimulus to shift bank financial strategies.

In December 2025, HDFC Bank adjusted its Fixed Deposit (FD) interest rates, presenting a timely opportunity for investors. This update, coming on the heels of the RBI's decision to cut the repo rate, offers a snapshot of how savings and investment strategies are evolving in response to market dynamics. Discover the specifics and understand how they impact your financial decisions.

Revised FD Rates

Effective December 17, 2025, HDFC Bank updated its Fixed Deposit (FD) interest rates. For the general public, the bank was offering rates ranging from 2.75% to 6.45%. Senior citizens were able to enjoy even better returns, with rates going up to 6.95% on deposits under Rs 3 crore. These adjustments reflect the bank's response to the prevailing economic conditions and the RBI's recent monetary policy decisions. These new rates offered a variety of options for potential investors, making HDFC Bank FDs a subject of interest to many.

RBI’s Repo Rate Cut

The decision by HDFC Bank to revise its FD rates came after the Monetary Policy Committee (MPC) of the Reserve Bank of India (RBI) decided in December to decrease the benchmark repo rate. The repo rate was reduced by 25 basis points, moving it from 5.50% to 5.25%. This cut was a significant factor influencing the adjustment in fixed deposit rates offered by HDFC Bank. The RBI's actions are aimed at stimulating economic activity, which in turn influences the financial strategies of banks and other financial institutions. The change in the repo rate played a key role in how banks like HDFC Bank determined interest rates for their various financial products, including FDs.