7 days to 14 days: For General Public – 3.00 per cent For Senior Citizens – 3.50 per cent.Latest interest rates on fixed deposits less than Rs 2 crore at HDFC Bank (per annum): PNB is offering FD rates up to 7.75 per cent annually and SBI is giving up to 7.50 per cent a year. HDFC Bank is offering up to 7.75 per cent interest rates on FD, depending upon deposit tenure and depositor’s age. Here’s the comparison of the current fixed deposit (FD) interest rates offered by three lenders State Bank of India (SBI), HDFC Bank and Punjab National Bank (PNB) on deposits below Rs 2 crore. However, since last year when the interest rates started rising, FD interest rates have been given higher returns. FDs were the least favourite instruments due to their incapability to cross even inflation rate. Among the fixed-income instruments available in the market, fixed deposits (FDs) is one of the most popular ones.