HDFC vs Yes Bank FD Rates — Which is Better in 2026?
HDFC offers 7.00% FD rate (1-year) vs Yes Bank at 7.75%. Yes Bank gives you ₹750 more interest per year on a ₹10L deposit. Both banks are RBI-regulated and DICGC insured up to ₹5L per depositor.
Last updated: April 6, 2026
HDFC
7.00%
FD rate (1 year)
Yes Bank
7.75%
FD rate (1 year)
✓ Better dealHDFC vs Yes Bank FD Rates — Detailed Comparison
| Feature | HDFC | Yes Bank |
|---|---|---|
| FD Rate (1Y) | 7.00% | ✓7.75% |
| Account Opening | No fee | No fee |
| Tenure | 7 days – 10 years | 7 days – 10 years |
| Eligibility | Any individual, joint, HUF, company | Any individual, joint, NRI (FCNR/NRE) |
FD Rate (1Y)
HDFC
7.00%
Yes Bank
7.75%
Account Opening
HDFC
No fee
Yes Bank
No fee
Tenure
HDFC
7 days – 10 years
Yes Bank
7 days – 10 years
Eligibility
HDFC
Any individual, joint, HUF, company
Yes Bank
Any individual, joint, NRI (FCNR/NRE)
Verdict
Yes Bank offers the better FD rate (7.75%) vs HDFC (7.00%). Both are DICGC insured up to ₹5L. If you have more than ₹5L to park, split across banks to maximise insurance coverage. Senior citizens get an additional 0.50% at most banks — always check the senior citizen rate separately.
Frequently Asked Questions
Which bank gives higher FD interest — HDFC or Yes Bank?+
Yes Bank offers a higher FD rate. HDFC pays 7.00% and Yes Bank pays 7.75% on a 1-year FD. For longer tenures (3-5 years), rates may differ — always check the bank's rate card for your specific tenure.
Is FD in HDFC or Yes Bank safer?+
Both banks are RBI-regulated and deposits are insured by DICGC up to ₹5 lakh per depositor per bank. For amounts above ₹5L, consider splitting across both banks to maximise insurance coverage.
What is the maturity amount on a ₹1L FD for 1 year?+
At HDFC's rate of 7.00%, a ₹1L FD matures to approximately ₹1,07,186. At Yes Bank's rate of 7.75%, it is ₹1,07,978. Interest is taxable as per your income tax slab.
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Disclaimer: Interest rates shown are indicative as of April 2026 and subject to change without notice. Actual rates depend on your credit score, income, and bank policy. This is for informational purposes only and does not constitute financial advice. Always verify rates with the bank before applying.