HDFC Bank Fixed Deposit (FD) Calculator
7.25% p.a.Current Rate
Up to 7.25% p.a.
Senior Citizen Rate
Up to 7.75% p.a.
Min Deposit
₹5,000
Rates shown are indicative as of June 2025. Verify current rates with HDFC Bank Limited before applying.
HDFC Bank offers fixed deposits at up to 7.25% p.a. for the general public and 7.75% p.a. for senior citizens. This calculator is pre-filled with HDFC's current peak rate so you can instantly see your maturity amount, quarterly interest, and whether an FD or RD suits your savings goal better.
- Principal
- Interest
- Principal
- $100,000.00
- Interest earned
- $7,449.50
- Maturity amount
- $107,449.50
Your 100,000 grows by about 7.4% over 1 years — interest of roughly 7,450 on top of your principal. Compounding quarterly rather than annually adds a small but real boost.
Ways to optimize
Real what-if scenarios calculated from your numbers.
Scenarios use the exact same math as the calculator — no estimates.
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Frequently asked questions
- What is the current HDFC Bank FD interest rate?
- HDFC Bank's indicative FD rate is 7.25% p.a.. HDFC Bank FD rate for general public as of June 2026. Senior citizens typically earn an additional 0.50% p.a.
- How is FD maturity amount calculated?
- For quarterly compounding: Maturity = P × (1 + r/4)^(4t), where P is principal, r is annual rate, and t is tenure in years.
- Is TDS deducted on HDFC Bank FD interest?
- Yes. TDS at 10% is deducted if interest exceeds ₹40,000 in a financial year (₹50,000 for senior citizens). Submit Form 15G/15H if your total income is below the taxable limit.
- Can I break a HDFC Bank FD prematurely?
- Yes, with a penalty of 0.50–1% on the contracted rate. Check HDFC Bank Limited's schedule of charges for the exact penalty applicable to your deposit.
Looking for the generic version? Open the standard Fixed Deposit (FD) Calculator