HDFC Bank has revised interest rates on select fixed deposits (FDs) below ₹3 crore, with the new rates coming into effect from November 4, 2026. Following the revision, general depositors can earn interest of up to 6.60%, while senior citizens can get up to 7.20%, depending on the deposit tenure.
The bank has increased FD rates by up to 50 basis points (bps) on select tenures. ICICI Bank and Punjab National Bank (PNB) have also revised their FD interest rates on select deposits in October and November 2026.
Here is a look at the latest FD interest rates offered by HDFC Bank, ICICI Bank and PNB to general depositors and senior citizens.
HDFC Bank FD rates for general public
HDFC Bank offers general customers an interest rate of 2.75% on deposits of seven to 29 days and 3.25% on deposits of 30 to 45 days. For tenures of 46 to 60 days, the rate is 4.25%.
The bank has increased the rate on deposits of 61 days to six months by 50 bps to 4.75% from 4.25%. For deposits of six months and one day to nine months, the rate has increased by 15 bps to 5.65%. The rate for deposits of nine months and one day to less than one year has also risen by 15 bps to 5.90%.
For deposits of one year to less than 15 months, HDFC Bank offers 6.25%. The rate is 6.35% for deposits of 15 months to less than 18 months.
For deposits of 18 months to two years, the rate has increased by five bps to 6.50%. The bank offers 6.55% on deposits of two years and one day to three years.
For deposits of three years and one day to less than four years and seven months, the rate has increased to 6.60% from 6.50%. The rate for deposits of four years and seven months to five years has also risen to 6.60% from 6.40%.
For deposits of five years and one day to 10 years, HDFC Bank has increased the rate by 45 bps to 6.60% from 6.15%.
HDFC Bank FD rates for senior citizens
Senior citizens can earn a maximum interest rate of 7.20% on HDFC Bank FDs. This rate is available on deposits with tenures ranging from three years and one day to five years.
For deposits of seven to 29 days, the bank offers 3.25%. The rate is 3.75% for deposits of 30 to 45 days and 4.75% for deposits of 46 to 60 days.
For deposits of 61 days to six months, HDFC Bank has increased the rate by 50 bps to 5.25% from 4.75%. The rate for deposits of six months and one day to nine months has increased by 15 bps to 6.15%. For deposits of nine months and one day to less than one year, the rate has risen by 15 bps to 6.40%.
The bank offers 6.75% on deposits of one year to less than 15 months and 6.85% on deposits of 15 months to less than 18 months.
For deposits of 18 months to two years, the rate has increased by five bps to 7%. The rate for deposits of two years and one day to three years has risen by 10 bps to 7.05%.
For deposits of three years and one day to less than four years and seven months, the rate has increased to 7.20% from 7%. The rate for deposits of four years and seven months to five years has also risen to 7.20% from 6.90%.
For deposits of five years and one day to 10 years, senior citizens will now earn 7.10%, up from 6.65%.
ICICI Bank FD rates for general public
ICICI Bank has increased rates on select long-term fixed deposits. For deposits with a tenure of two years and one day to three years, the interest rate has risen from 6.45% to 6.55%.
For deposits with a tenure of three years and one day to five years, the rate has increased from 6.50% to 6.60%. The rate on deposits with a tenure of five years and one day to 10 years has also been raised from 6.50% to 6.60%.
The interest rate on the five-year Tax Saver FD has increased from 6.50% to 6.60%.
For shorter tenures, the bank offers 2.75% on deposits of seven to 45 days, 4% for 46 to 90 days and 4.50% for 91 to 184 days. Deposits of 185 days to less than one year earn 5.50%.
For deposits with a tenure of one year to less than 18 months, the rate is 6.25%, while deposits of 18 months to two years earn 6.30%.
ICICI Bank FD rates for senior citizens
Senior citizens can earn up to 7.20% on eligible ICICI Bank fixed deposits following the revision.
For deposits with a tenure of two years and one day to three years, the interest rate has increased from 6.95% to 7.05%. For deposits of three years and one day to five years, the rate has risen from 7.10% to 7.20%.
The rate on deposits with a tenure of five years and one day to 10 years has increased from 7% to 7.10%. The five-year Tax Saver FD rate has also been raised from 7.10% to 7.20%.
For shorter tenures, senior citizens earn 3.25% on deposits of seven to 45 days, 4.50% for 46 to 90 days and 5% for 91 to 184 days. Deposits of 185 days to less than one year earn 6%.
The rate is 6.75% for deposits of one year to less than 18 months and 6.80% for deposits of 18 months to two years.
PNB FD rates for general public
Punjab National Bank’s revised FD interest rates came into effect on November 1, 2026. The bank offers rates ranging from 3% to 6.60% to general depositors, depending on the deposit tenure.
The highest rate of 6.60% is available on the 444-day special FD scheme. The 666-day FD offers an interest rate of 6.50%.
For deposits of seven to 14 days and 15 to 45 days, the bank offers an interest rate of 3%. Deposits of 46 to 90 days attract 5.50%, while those of 91 to 179 days offer 5.75%.
The interest rate is 6% for deposits of 180 to 270 days and 271 to 302 days. For the 303-day tenure, the rate is 5.95%, while deposits of 304 days to less than one year offer 6%.
For a one-year FD, the bank offers 6.25%. Deposits of more than one year to 443 days attract 6.30%, while those of 444 days offer 6.60%.
For deposits of 445 to 665 days, the interest rate is 6.30%. The 666-day FD offers 6.50%, while deposits of 667 days to two years and those of more than two years to three years attract 6.30%.
Deposits of more than three years to 1,203 days offer 6.35%. The rate is 6.30% for the 1,204-day tenure and 6.35% for deposits of 1,205 days to five years. For deposits of more than five years to 10 years, the interest rate is 6%.
PNB FD rates for senior citizens
Senior citizens investing in PNB fixed deposits can earn an interest rate of up to 7.10% on the 444-day special FD scheme. The 666-day deposit offers 7%.
For deposits of seven to 14 days and 15 to 45 days, the bank offers an interest rate of 3.50%. Deposits of 46 to 90 days attract 6%, while those of 91 to 179 days offer 6.25%.
The interest rate is 6.50% for deposits of 180 to 270 days and 271 to 302 days. For the 303-day tenure, the rate is 6.45%, while deposits of 304 days to less than one year offer 6.50%.
For a one-year FD, senior citizens can earn 6.75%. Deposits of more than one year to 443 days attract 6.80%, while the 444-day scheme offers 7.10%.
For deposits of 445 to 665 days, the interest rate is 6.80%. The 666-day FD offers 7%, while deposits of 667 days to two years and those of more than two years to three years attract 6.80%.
Deposits of more than three years to 1,203 days offer 6.85%. The rate is 6.80% for the 1,204-day tenure and 6.85% for deposits of 1,205 days to five years. For deposits of more than five years to 10 years, the interest rate is 6.80%.
Which other banks have revised FD rates?
Kotak Mahindra Bank’s revised rates came into effect on November 4, 2026. General depositors can earn up to 6.80%, while senior citizens can get up to 7.55% on select tenures.
Axis Bank revised its FD rates from October 29, 2026. General depositors can earn up to 6.60%, while senior citizens can get up to 7.35%.
Suryoday Small Finance Bank revised its rates from October 30, 2026, offering up to 8.25% to general depositors and 8.60% to senior citizens on select tenures.
Utkarsh Small Finance Bank’s revised rates came into effect on November 1, 2026. It offers up to 8.10% to general depositors and 8.50% to senior citizens on select tenures.
What should you check before investing in an FD?
Before opening a fixed deposit, customers should compare interest rates across different tenures and check whether a quoted rate applies to a regular FD or a special-tenure scheme. They should also review premature withdrawal penalties, interest payout options and applicable tax rules.
FD rates vary by tenure and customer category. Depositors should check the latest rates and terms on the bank’s official website before investing.
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