If someone told you a 450-day fixed deposit could earn more than many 1-year and even some 2-year FDs, you’d probably raise an eyebrow. I did too. But that’s exactly why the HDFC Bank 450-Day FD keeps popping up in conversations in 2026.
It sits in a sweet spot. Not too short. Not painfully long. Just long enough for the bank to offer a better rate—and for you to feel your money is actually working.
Why the 450-Day FD Feels… Smart
Here’s the thing. Banks usually reserve their best rates for odd tenures. The 450-day window lets HDFC Bank price this deposit higher than standard 12-month or 24-month FDs.
Think about real life.
Maybe you’re planning a family trip next year.
Maybe you want a down payment fund for a car.
Or maybe you just want a safe place for idle cash without stock market stress.
This tenure fits those goals neatly.
And yes, safety matters. Your deposit is backed by HDFC Bank and covered under DICGC insurance up to ₹5 lakh per depositor, which brings peace of mind many investors actively look for.
HDFC Bank 450-Day FD Interest Rates in 2026
As of 2026, the rates continue to stay competitive after revisions made in late 2025.
- General Public: 7.40% per annum
- Senior Citizens: 7.90% per annum
That extra 0.50% for seniors may not sound dramatic, but over 15 months, it adds up—especially for retirees depending on interest income.
Key Features You Should Know
The HDFC Bank 450-Day FD is flexible in ways many people overlook.
- Minimum deposit starts at ₹5,000
- No upper limit for regular retail investors
- Choose between:
- Cumulative option (interest compounds quarterly)
- Non-cumulative option (quarterly payouts)
Need money urgently? You can:
- Break the FD prematurely (with a small penalty)
- Or take a loan against the FD up to 90% of its value
Add online booking, nomination, and joint holding, and it becomes very low-maintenance.
Who Can Open This FD?
Eligibility is broad, which helps.
You can invest if you are:
- A resident individual
- A senior citizen
- A Hindu Undivided Family (HUF)
- A minor (through a guardian)
- An NRI (subject to account type)
You can open it at a branch, via net banking, or using the HDFC Bank mobile app. Bulk deposits above ₹3 crore may even get special rates.
Is the HDFC Bank 450-Day FD Worth It in 2026?
If you want guaranteed returns, zero market anxiety, and a tenure that doesn’t feel like a lifetime commitment, this FD makes a lot of sense.
It’s especially useful if:
- You’re unhappy with regular 1-year FD rates
- You don’t want to lock money for 3–5 years
- Capital safety is non-negotiable
Just remember—FD rates can change. Always check the latest offer on HDFC Bank’s official site or at a branch before booking.