HDFC Bank offers a range of fixed deposit tenures in 2025, including short-term options like 117 days. This falls in the 91 days to 6 months category, providing decent returns for investors seeking liquidity with better yields than savings accounts.
What is the 117-Day FD?
The 117-day fixed deposit is a short-term scheme ideal for parking funds temporarily. It earns simple interest, paid at maturity, with guaranteed returns backed by one of India’s largest private banks. Minimum deposit starts at ₹5,000, making it accessible for most savers.
Current Interest Rates in 2025
As of December 2025, rates for tenures up to 6 months range around 6.00% to 6.25% for general citizens. Senior citizens get an extra 0.50%, boosting yields to 6.50% to 6.75%. Recent revisions reflect RBI policy changes, but short-term FDs remain competitive.
Benefits for Investors
This FD offers capital safety with DICGC insurance up to ₹5 lakh. Options include cumulative interest or payout, plus loan facility up to 90% of value. No premature withdrawal penalty applies for very short tenures in some cases.
Eligibility and Booking
Any resident Indian can open via NetBanking, app, or branch. Seniors need age proof for higher rates. Tax-saving not available for short terms, but interest is taxable per slab.
| Feature | Details |
|---|---|
| Tenure | 117 days (91 days to 6 months category) |
| Interest Rate (General) | Approx. 6.00% – 6.25% p.a. |
| Interest Rate (Senior Citizens) | Approx. 6.50% – 6.75% p.a. |
| Minimum Deposit | ₹5,000 |
| Interest Payout | At maturity (simple interest) |
| Premature Withdrawal | Allowed with possible penalty |
Why Choose HDFC Bank 117-Day FD 2025
In uncertain markets, this short-term FD provides secure, predictable growth without long lock-ins. Perfect for emergency funds or bridging gaps, it outperforms savings rates while maintaining flexibility.
Book your HDFC Bank 117-Day FD today online or at a branch for reliable returns in 2025.
Also read: OPS Update 2026: Why Government Employees Still Push for Guaranteed Pensions