HDFC Bank has introduced a special 117-day Fixed Deposit scheme for 2025, designed for investors who want quick and guaranteed returns without locking in their money for long periods.
This short-term FD is gaining popularity because it offers a higher-than-usual interest rate compared to regular 90-day or 3-month deposits. Under this scheme, an investment can grow to an impressive ₹1.89 lakh in just under four months, making it one of the most attractive short-term FD options this year.
Why the 117-Day FD Is Creating Buzz
Most banks offer attractive rates only on long-term deposits, but HDFC’s unique 117-day FD combines a short tenure with a competitive interest rate. This makes it ideal for investors who have surplus funds and prefer a fast, fixed return instead of waiting for a full-year maturity. The scheme has become especially popular among salaried individuals, business owners and retirees who want secure returns within a short time frame.
How Your Money Grows in Just 4 Months
The maturity value of ₹1.89 lakh includes both the principal amount and the interest earned over the 117-day period. The enhanced rate offered under this special scheme ensures a better payout than traditional short-term deposits. Even though the tenure is short, the compounded interest helps investors earn a higher return than expected for such a brief period.
A Safe Option During Market Uncertainty
With market-linked investments fluctuating frequently, many investors prefer fixed deposits for stability. The 117-day FD from HDFC offers a guaranteed return regardless of market conditions, giving investors peace of mind. This is particularly beneficial for individuals who are planning short-term goals like travel, school fees, festival expenses or emergency funds.
Extra Benefits for Senior Citizens
Senior citizens receive an additional rate over the standard FD interest, increasing the total maturity amount even further. For retirees relying on safe and predictable income, this short-term FD provides a risk-free option with faster liquidity.
Perfect for Short-Term Financial Planning
The 117-day tenure allows investors to time their savings perfectly without long-term commitments. Many people use this kind of FD as a safe parking option for unused funds before reinvesting in longer FDs or for meeting near-term expenses. With easy online booking, premature withdrawal options and assured returns, the scheme suits a wide range of financial needs.