Finance

HDFC FD Calculator

Estimate your HDFC Bank fixed deposit maturity value — enter HDFC's current rate for your tenure.

Principal amount

₹

Annual interest rate

Time (years) Compounding frequency

Maturity value

—

Enter the details above

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Key features

Supports HDFC's standard quarterly compounding
Multi-currency display support
Shows maturity value and interest earned separately
Adjustable principal, rate, and tenure

Why use this hdfc fd calculator

Verify HDFC's quoted FD rate before investing
Compare HDFC against other banks' FD offers instantly
No branch visit or net banking login required for a quick estimate

Using this with HDFC's current FD rates

HDFC Bank FD rates vary by tenure and whether you qualify for the senior citizen rate (typically 0.25\u20130.50 percentage points higher). Most HDFC FDs compound quarterly, so set the compounding frequency above to \"Quarterly\" to match how the bank actually calculates your maturity value.

Check HDFC's current published rate card for your specific tenure and deposit amount before finalizing \u2014 rates can vary by deposit slab (for example, deposits above ₹2 crore are often priced differently from smaller retail deposits), and this calculator applies a single flat rate throughout the term.

A worked example

A ₹4,00,000 HDFC fixed deposit at 7.1% for 2 years, compounded quarterly, matures to approximately ₹4,60,700 — about ₹60,700 in interest earned over the term.

Why senior citizen rates are worth checking separately

HDFC, like most banks, typically offers senior citizen depositors an additional 0.25–0.50 percentage points over the standard rate — a difference worth confirming directly with HDFC if you qualify, since it compounds into a meaningfully larger maturity value over a multi-year term.

Frequently asked questions

Does HDFC FD interest compound quarterly?

Yes, for most standard FDs — select "Quarterly" as the compounding frequency above to match HDFC's actual calculation method.

Do senior citizens get a better rate at HDFC?

Typically yes — HDFC and most banks offer an additional 0.25–0.50 percentage points for senior citizen depositors. Check HDFC's current rate card for the exact senior citizen premium.

Is HDFC FD interest taxable?

Yes — FD interest is added to your taxable income and taxed at your applicable slab rate, unless you submit Form 15G/15H where eligible to avoid TDS deduction.