HDFC Recurring Deposit Interest Rates: Everything You Need to Know

HDFC Bank offers RD accounts that help you save a fixed amount every month and earn interest on it. It’s a great option if you want to build a habit of regular savings with guaranteed returns. The HDFC RD interest rates depend on the deposit tenure and customer type, such as regular or senior citizen. 

Learn the latest HDFC recurring deposit rates, the benefits of opening an RD and other important details to help you plan your savings better. 

HDFC RD Interest Rates in 2025 

HDFC Bank offers attractive interest rates on RD for regular and senior citizens. The rate varies depending on the maturity period you choose. 

Maturity Period	RD Rates for General Citizen	RD Rates Senior Citizen
6 months	4.50% p.a.	5.00% p.a.
9 months	5.75% p.a.	6.25% p.a.
12 months	6.60% p.a.	7.10% p.a.
15 months	7.10% p.a.	7.60% p.a.
18 months	7.25% p.a.	7.75% p.a.
21 months	7.00% p.a.	7.50% p.a.
24 months	7.00% p.a.	7.50% p.a.
27 months	7.00% p.a.	7.50% p.a.
30 months	7.00% p.a.	7.50% p.a.
33 months	7.00% p.a.	7.50% p.a.
36 months	7.00% p.a.	7.50% p.a.
39 months	7.00% p.a.	7.50% p.a.
42 months	7.00% p.a.	7.50% p.a.
45 months	7.00% p.a.	7.50% p.a.
48 months	7.00% p.a.	7.50% p.a.
60 months	7.00% p.a.	7.50% p.a.
90 months	7.00% p.a.	7.50% p.a.
120 months	7.00% p.a.	7.50% p.a.

Features of HDFC Recurring Deposit 

Here are some of the features of the HDFC Recurring Deposit. These features help you save regularly and earn interest in a simple way: 

• You need to deposit at least ₹500 every month and you can go up to ₹2.99 Crores. 
• The minimum time you need to keep the RD is 6 months for Indian citizens and 12 months for NRIs. 
• Once you decide on the monthly deposit amount, you can’t change it later. 
• If you miss 6 monthly payments in a row, your RD account may be closed by the bank. 
• You cannot pay only part of the monthly deposit; the full amount is required each time. 

HDFC Recurring Deposit Schemes  

Here are the different types of HDFC Recurring Deposit schemes: 

• HDFC RD Deposit 

This scheme offers interest rates similar to HDFC’s fixed deposit. It can be opened with a minimum amount of ₹500. 

• HDFC Dream Deposit 

This scheme gives you the flexibility to deposit money whenever you want. There is no prepayment penalty if you withdraw the amount before maturity. 

• HDFC NRE RD Scheme 

This scheme is for NRIs to open a recurring deposit account. The minimum tenure is 1 year and the interest rates vary based on the tenure.  

How to Open an RD Account with HDFC Bank 

You can open an HDFC Recurring Deposit account in two simple ways. You can either visit a nearby HDFC branch or use your HDFC Bank Net Banking facility. Here is the step-by-step guide on how to open an RD account: 

• Visit the nearest bank branch or post office. 
• Fill out the application form with your personal details, including the monthly deposit amount and tenure. 
• Submit necessary documents such as Aadhaar, passport or any other valid identification. 
• Make the first deposit to activate your RD account. 
• Once your documents are verified, you’ll receive a passbook or account statement confirming your RD account. 

Pre-Mature Withdrawal Rules 

HDFC Bank offers a pre-mature withdrawal facility for its Recurring Deposit account, but with certain conditions on interest payout. 

• In case of pre-mature withdrawal, you won’t receive the full interest amount. 
• HDFC Bank allows pre-mature withdrawal of your Recurring Deposit either by visiting the branch or through net banking. 
• Only the principal amount, along with partial interest (based on terms), will be credited to your account. 

If you already have an HDFC account, just log in with your net banking ID and open an e-RD within minutes. If not, open a savings account first. Once active, you can create your RD online. 

HDFC Recurring Deposit Rate helps you save money safely and earn fixed returns. But sometimes, you might need money urgently for medical bills, house repairs, or to pay off loans. Breaking your RD early might not be the best option. 

Instead, you can take Instant Personal Loan from Fibe. You can get up to ₹5 lakhs quickly with an easy online process. Enjoy affordable interest rates and repay the loan conveniently over up to 36 months. There are no extra charges if you want to repay early. Download the Fibe App and get the money you need without affecting your RD savings. 

FAQs on HDFC Recurring Deposits 

What is the interest rate for HDFC Recurring Deposits in 2025? 

The interest rates for HDFC Recurring Deposit rate in 2025 range from 4.50% p.a. to 7.00% p.a. for general citizens. For senior citizens, the interest rates range from 5.00% p.a. to 7.50% p.a. 

Do HDFC Recurring Deposit interest rates change with tenure? 

Yes, the interest rates for HDFC Recurring Deposits vary depending on the tenure. Longer tenures typically offer higher interest rates.