While HDFC has not hiked rates yet, but it has restructured some of the deposit slabs after the RBI's rate hike
. "It is not that we will hike rates tomorrow, but we do keep reviewing our loan rates based on the cost of funds and, in the next review, we will take into account any increase in cost of funds," said Keki Mistry, vice-chairman and CEO of HDFC. He added that for HDFC, the cost of wholesale funds was more important than cost of deposits. He further added that the special dual rate scheme will continue till end-August.