Best FD in 2026: HDFC Bank vs ICICI Bank FD; Which Fixed Deposit Will Give You Better Returns? Comparison

Neither gold nor equities are delivering standout returns over the past few months, thanks to geopolitical tensions due to the West Asia crisis. At this time, fixed deposit schemes are regaining opportunity among risk averse investors and for those who are planning to build their emergency fund. Here's a comparison of fixed deposit rates of HDFC Bank and ICICI Bank.

Fixed Deposit (FD) interest rates continue to provide stability due to guaranteed returns on the principal amount, even when stocks can fluctuate wildly during markups and downs. For those who are planning to add or increase FD investment in their portfolio, here's a complete comparison of FD rates for 1 year, 3 years, and 5 years for senior citizens, for HDFC bank and ICICI Bank.

HDFC Bank vs ICICI Bank FD

HDFC FD Tenure	HDFC Bank FD Rates (Less Than Rs 3 Cr)	HDFC FD Rates Senior Citizens	ICICI FD Tenure	ICICI Bank FD Rates (Less Than Rs 3 Cr)	ICICI Bank FD (Senior Citizens)
7-14 Days	2.75%	3.25%	7-45 Days	2.75%	3.25%
61-89 Days	4.25%	4.75%	46 to 90 Days	4%	4.5%
90 Days	4.25%	4.75%	91 to 184 Days	4.5%	5%
9 months 1 day to	5.75%	6.25%	185 to	5.5%	6%
1 Year to	6.25%	6.75%	1 Year to	6.25%	6.75%
18 months to	6.45%	6.95%	18 Months to 2 Years	6.3%	6.8%
3 Years 1 day to	6.5%	7%	3 Years 1 Day to 5 Years	6.5%	7.1%
4 Year 7 Months (55 months)	6.4%	6.9%	5 Years 1 Day to 10 Years	6.5%	7%

HDFC Bank vs ICICI Bank FD Rates Details

HDFC Bank offers the highest FD rates for 6.5% available on deposits with 3 years and 1 day tenure to less than 4 years and 7 months tenure. ICICI Bank also offers FD at same peak rate on a wider tenure band, ie from 3 years 1 day to 10 years.

HDFC Bank vs ICICI Bank: Highest Senior Citizen FD Rates

HDFC Bank highest senior citizen FD rate of 7% for 3 years 1 day to 4 years 7 months tenure. Whereas, highest ICICI Bank FD rates are provided for a tenure band of 5 years 1 day to 10 years. The ICICI Bank FD rate, during the period, is 7.1% for senior citizens and 6.5% for general category.

The views and recommendations expressed are solely those of the individual analysts or entities and do not reflect the views of Goodreturns.in or Greynium Information Technologies Private Limited (together referred as "we"). We do not guarantee, endorse or take responsibility for the accuracy, completeness or reliability of any content, nor do we provide any investment advice or solicit the purchase or sale of securities. All information is provided for informational and educational purposes only and should be independently verified from licensed financial advisors before making any investment decisions.