Fixed Deposits (FDs) still rank high while looking for the most secure investment options in India. HDFC Bank’s 117-Day FD has come into the limelight for 2026, especially among short-term deposit investors who seek guaranteed returns. It is a great deal for people who wish to deposit their money for not more than four months under safe and sound conditions at a competitive interest rate.
What is the 117-Day FD?
HDFC Bank offers the 117-Day FD, which is a very short-term deposit option. The investor can make a deposit of just ₹5,000 and have it secured for exactly 117 days. At the end of the tenure, the principal along with the interest will be returned to the account. This FD is for dynamic individuals who prefer a safe and guaranteed return without having to stay in the designation for long periods.
Interest Rates in 2026
Over the years, HDFC Bank’s FD interest rates have increased from just 3% to barely 7.05% per annum for the general public in 2026. However, senior citizens still benefit from a few extra basis points, namely a range of 3.50% to 7.55% per annum. The 117-day period is indeed classified as short-term, with rates that are usually around 4.50% for the common customer and 5.00% for the senior citizen.
Advantages of the 117-Day FD
This FD is just the right thing for investors who:-
- Require funds in the short term.
- Would rather take the road of guaranteed returns than suffer market-linked risks.
- Are looking for a secure place to park their temporary surplus funds.
- In comparison to savings accounts, the FD yields higher interest while it is faster to access the money compared to long-term deposits.
HDFC Bank FD Rates Snapshot (2026)
| Tenure | Public Interest Rate | Senior Citizen Rate |
|---|---|---|
| 7 – 14 days | 3.00% | 3.50% |
| 30 – 45 days | 3.50% | 4.00% |
| 61 – 89 days | 4.50% | 5.00% |
| 117 days | 4.50% | 5.00% |
| 1 year | 6.25% | 6.75% |
| 2 years | 6.45% | 6.95% |
How to Apply
It is very easy to open a 117-Day FD with HDFC Bank. Customers can apply online using net banking or mobile banking or by going to the branch nearest to them. The procedure needs the submission of basic KYC documents and a minimum deposit amount.
Summary
The HDFC Bank 117-Day FD 2026 is an investment choice of the short term that is safe and secure. The interest rates being 4.50% for the public and 5.00% for senior citizens, it is a win-win situation in terms of safety and returns. This FD is a wise decision for the individuals who have extra cash and are looking for quick maturity and guaranteed profit.