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HDFC Bank FD Calculator

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Book SBM Bank FD @6.5%* p.a.

& Get a Lifetime Free Step Up Credit Card

  • Safe & Secure FD, Insured by RBI

  • No Savings A/c Required

  • FD Starts from Rs 2000

  • Card Limit = 90% of FD

*Rates are subject to change as per the bank's discretion.

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Updated: 30-12-2024 09:24:41 AM

HDFC Bank Fixed Deposit (FD) Calculator

HDFC Bank FD Calculator allows you to calculate the interest income and the maturity value for varied fixed deposit amounts and tenures. The online FD calculator takes into account the principal amount, FD tenure and applicable HDFC Bank FD interest rates to determine the maturity and interest amount in the end.

FD Calculator
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Maturity Amount

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Total Interest amount

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Principal Amount

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How to Use Paisabazaar’s FD Calculator

The procedure to use Paisabazaar’s FD Calculator is mentioned below:

  • Enter the fixed deposit tenure, amount, and HDFC Bank FD interest rate
  • Click on ‘Calculate’.
  • The principal amount, maturity amount and the FD interest amount earned will be reflected instantly

Earn 6.5% p.a. on your FD & Get a lifetime free Step Up Credit Card

  • Card limit is 90% of FD Amount

  • Instant Virtual Card

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stepup 6.5%INTEREST ON FD

Comparison of Top 20 Scheduled Banks based on FD Rates


Banks		Highest
FD rate
(% p.a.)		1-year
FD rate
(% p.a.)		3-year
FD rate
(% p.a.)		5-year
FD rate
(% p.a.)		Additional
interest rate
for senior citizens
(% p.a.)
Unity Small Finance Bank9.007.858.158.150.50
North East Small Finance Bank9.007.009.006.250.50
Suryoday Small Finance Bank8.608.058.608.250.50
Utkarsh Small Finance Bank8.508.008.507.750.60
Shivalik Small Finance Bank8.306.007.506.500.50
Jana Small Finance Bank8.258.258.258.200.50
Ujjivan Small Finance Bank8.258.257.207.200.50
ESAF Small Finance Bank8.256.006.756.250.50
Equitas Small Finance Bank8.258.108.007.250.50-0.75
SBM Bank8.257.057.307.750.50
DCB Bank8.057.107.557.400.50
Bandhan Bank8.058.057.255.850.50-0.75
RBL Bank8.007.507.507.100.50
AU Small Finance Bank8.007.257.507.250.50
Induslnd Bank7.997.757.257.250.50
IDFC First Bank7.906.506.806.750.50
YES Bank7.757.257.257.250.50-0.75
Central Bank of India7.456.856.756.500.50
Punjab & Sind Bank7.456.306.006.006.00
HDFC Bank7.406.607.007.000.50

HDFC Bank FD Interest Rates

HDFC Fixed Deposit Rates on Domestic/NRO/NRE Deposits of less than Rs 3 crore w.e.f. 24th July 2024

Tenure (Days/Years) Interest Rates (% p.a.)
Regular Citizens Senior Citizens
7 – 14 days 3.00 3.50
15 – 29 days 3.00 3.50
30 – 45 days 3.50 4.00
46 – 60 days 4.50 5.00
61 – 89 days 4.50 5.00
90 days – 6 months 4.50 5.00
6 months 1 day – 9 months 5.75 6.25
9 months 1 day – less than 1 year 6.00 6.50
1 year – less than 15 months 6.60 7.10
15 months – less than 18 months 7.10 7.60
18 months – less than 21 months 7.25 7.75
21 months  – 2 years 7.00 7.50
2 years 1 day – less than 2 years 11 months 7.00 7.50
2 years 11 months – 35 months 7.35 7.85
2 years 11 months 1 day – 3 years 7.00 7.50
3 years 1 day – less than 4 years 7 months 7.00 7.50
4 years 7 months  – 55 months 7.40 7.90
4 years 7 months 1 day – 5 years 7.00 7.50
5 years 1 day – 10 years 7.00 7.50

Note: FD rates as of 20th Nov 2024.

Looking for Higher FD rates? Book an FD @6.5% p.a. and get a lifetime free credit card

  • FDs of up to ₹5 lakhs insured by RBI

  • No hassle of opening a saving account

  • No documentation

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The maturity value depends on the deposit tenure, HDFC Bank FD rates, amount and type of FD chosen, i.e. cumulative FD and non-cumulative FD.

Under non-cumulative FD, HDFC Bank offers quarterly and monthly interest pay-out options for the above 6 months’ tenure. In the quarterly interest pay-out option, interest is credited on a quarterly basis on the current/saving account of the depositor. In the monthly pay-out option, interest is calculated quarterly and paid out each month at a discounted rate. In the case of the cumulative HDFC Bank FD option (also known as reinvestment option), the interest component remains invested till the FD maturity. The reinvestment plan is available for the term above 6 months.

HDFC Bank monthly interest plan is ideal for depositors who require a fixed monthly income to meet their expenses. This plan is especially popular among retired individuals. The cumulative investment option would help the depositor benefit from the power of compounding, as the interest component of the fixed deposit remains invested and starts generating interest income on its own.

Also Read: Which bank gives maximum interest on FD?

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Book SBM Bank FD & Get Lifetime FREE Step UP Credit Card Know More

Benefits of Using HDFC FD Calculator

Given below are some of the benefits of using the online HDFC Bank FD Calculator

Free of Cost

The FD calculator tool is free of cost, thus it can be used a number of times for comparing and analysing returns for different combinations of FD interest rates, tenure, and principal amount.

Saves Time

Manually calculating the maturity value can be time-consuming and laborious which can increase the chances of human errors. The automated process of the FD interest calculator saves hours of time and provides accurate calculations.

Know Your Returns in Advance

Before opening a fixed deposit account, the HDFC Bank FD interest calculator provides you with an accurate estimate of your FD earnings in advance, thus helping you make an informed decision based on your liquidity requirements and cash flows.

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