Archive · 18 Dec 2025
HDFC Bank Cuts FD Rates
HDFC Bank has decided to lower the interest rates for fixed deposits that mature between 18 months and just under 21 months.
This change will happen on December 17, 2025.
The rates are being reduced by 15 basis points.
For regular customers, the new rate will be 6.45%, down from 6.6%.
Senior citizens will now earn 6.6%, which is lower than the previous 7.1%.
This means that if you have a fixed deposit with HDFC Bank in this time frame, you will earn a bit less interest than before.
The bank made this change after the Monetary Policy Committee cut the repo rate by 25 basis points in December.
Other banks like SBI have also lowered their deposit rates.
HDFC Bank reduces fixed deposit rates for tenures between 18 months and less than 21 months.
Rate cut of 15 basis points for both general customers and senior citizens.
New rate for general customers is 6.45%, down from 6.6%.
New rate for senior citizens is 6.6%, down from 7.1%.
Changes effective from December 17, 2025.
- Who
- HDFC Bank
- What
- Reduced fixed deposit interest rates
- When
- Effective December 17, 2025
- Where
- India
- Why
- Follows a 25-basis-point cut in the repo rate by the Monetary Policy Committee (MPC) in December.
- Bank
- HDFC Bank
- Effective Date
- December 17, 2025
- Rate Reduction
- 15 basis points
- Affected Tenures
- 18 months to less than 21 months
- New Rate (General)
- 6.45%
- New Rate (Senior Citizens)
- 6.6%
- Old Rate (General)
- 6.6%
- Old Rate (Senior Citizens)
- 7.1%
- Repo Rate Cut
- 25 basis points
- SBI Peak Rate
- 6.45% (down from 6.6%)
- SBI 2-3 Year Rate
- 6.40% (down from 6.45%)
Sources
HDFC Bank Slashes FD Rates Effective December 17, 2025: Check New Fixed Deposit Interest Rates
HDFC Bank trims FD rates after SBI cut, caps peak at 6.45%
HDFC Bank Cuts FD Rates By...
From SBI to HDFC, banks revise fixed deposit rates after RBI's repo rate cut
