HDFC Bank FD Calculator
6.45% p.a. (quarterly compounding) - Min deposit Rs. 5,000
Principal
Rs. 5.00 lakh
Example: Rs. 5 lakh
Interest Earned
Rs. 1.06 lakh
Over 3 years
Maturity Amount
Rs. 6.06 lakh
at 6.45% p.a.
HDFC Bank FD Rates by Tenure
| Tenure | General Rate | Senior Citizen |
|---|---|---|
| 7-29 days | 3% | 3.5% |
| 30-90 days | 4.5% | 5% |
| 3-6 months | 5.25% | 5.75% |
| 6-12 months | 5.9% | 6.4% |
| 1 year | 6.25% | 6.75% |
| 2 years | 6.5% | 7% |
| 3 years | 6.45% | 6.95% |
| 5 years | 6.4% | 6.9% |
Indicative rates. Actual rates may differ - verify with HDFC Bank before investing.
HDFC Bank FD Maturity - Quick Reference (at 6.45%)
| Principal | 1 yr | 2 yr | 3 yr | 5 yr |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.07 lakh | Rs. 1.14 lakh | Rs. 1.21 lakh | Rs. 1.38 lakh |
| Rs. 2.50 lakh | Rs. 2.67 lakh | Rs. 2.84 lakh | Rs. 3.03 lakh | Rs. 3.44 lakh |
| Rs. 5.00 lakh | Rs. 5.33 lakh | Rs. 5.68 lakh | Rs. 6.06 lakh | Rs. 6.89 lakh |
| Rs. 10.00 lakh | Rs. 10.66 lakh | Rs. 11.37 lakh | Rs. 12.12 lakh | Rs. 13.77 lakh |
| Rs. 25.00 lakh | Rs. 26.65 lakh | Rs. 28.41 lakh | Rs. 30.29 lakh | Rs. 34.43 lakh |
Customize your FD calculation
Maturity Amount
₹6.07 L
In today's money: ₹5.09 L(6% inflation)
Total Interest
₹1.07 L
Effective Annual Rate
6.66%
Compounding advantage vs simple interest
Year-by-Year Growth
HDFC Bank FD - Key Features
- -India's largest private sector bank
- -DICGC insured up to Rs. 5 lakh
- -FD can be linked to savings account for overdraft
- -Senior citizens get up to 0.75% additional rate
- -Tax Saving FD (5 years) available under 80C
HDFC Bank FD Returns by Amount & Tenure
Maturity value and interest earned at HDFC Bank's 1 / 2 / 3 / 5-year card rates (quarterly compounding)
| Deposit | 1 yr @ 6.25% | 2 yr @ 6.5% | 3 yr @ 6.45% | 5 yr @ 6.4% |
|---|---|---|---|---|
| Rs. 1.00 lakh | Rs. 1.06 lakh +Rs. 6,398 interest | Rs. 1.14 lakh +Rs. 13,764 interest | Rs. 1.21 lakh +Rs. 21,162 interest | Rs. 1.37 lakh +Rs. 37,364 interest |
| Rs. 5.00 lakh | Rs. 5.32 lakh +Rs. 31,990 interest | Rs. 5.69 lakh +Rs. 68,820 interest | Rs. 6.06 lakh +Rs. 1.06 lakh interest | Rs. 6.87 lakh +Rs. 1.87 lakh interest |
| Rs. 10.00 lakh | Rs. 10.64 lakh +Rs. 63,980 interest | Rs. 11.38 lakh +Rs. 1.38 lakh interest | Rs. 12.12 lakh +Rs. 2.12 lakh interest | Rs. 13.74 lakh +Rs. 3.74 lakh interest |
Assumes quarterly compounding with interest reinvested (cumulative FD). Indicative rates as of 2026-07-15 — verify with HDFC Bank before investing.
Senior citizen FD rates at HDFC Bank
Depositors aged 60 and above earn an extra 0.5% at HDFC Bank. Here is the difference on a ₹5 lakh deposit (quarterly compounding):
| Tenure | General | Senior | Senior maturity | Extra interest |
|---|---|---|---|---|
| 1 year | 6.25% | 6.75% | Rs. 5.35 lakh | +Rs. 2,624 |
| 2 years | 6.5% | 7% | Rs. 5.74 lakh | +Rs. 5,621 |
| 3 years | 6.45% | 6.95% | Rs. 6.15 lakh | +Rs. 9,004 |
| 5 years | 6.4% | 6.9% | Rs. 7.04 lakh | +Rs. 17,099 |
Best HDFC Bank FD tenure right now
HDFC Bank's highest FD rate is 6.5% on the 2 years FD, which actually beats its 5-year rate of 6.4%. A longer lock-in is not automatically better here — match the tenure to your goal. Rates span 6.25%–6.5% across 1–5 years; note that only the dedicated 5-year tax-saving FD qualifies for Section 80C.
Frequently Asked Questions
What is the HDFC Bank FD interest rate in 2026?▾
HDFC Bank offers FD rates from about 6.25% to 6.5% p.a. for 1 to 5-year deposits (general public). The best rate, 6.5%, is on the 2 years FD. Senior citizens earn an extra 0.5% (some banks give up to 0.75% on longer or special tenures). These are indicative card rates as of 2026-07-15 — confirm the live rate with HDFC Bank before booking.
Do senior citizens get a higher FD rate at HDFC Bank?▾
Yes. HDFC Bank adds 0.5% to the general rate for depositors aged 60 and above. On a ₹5 lakh 3 years FD that lifts the rate from 6.45% to 6.95% and the interest from Rs. 1.06 lakh to Rs. 1.15 lakh — about Rs. 9,004 extra on the same deposit.
How much will ₹5 lakh grow in a HDFC Bank FD?▾
A ₹5 lakh deposit in a 3 years HDFC Bank FD at 6.45% p.a. (quarterly compounding) matures to about Rs. 6.06 lakh, earning Rs. 1.06 lakh in interest. See the maturity table above for ₹1 lakh, ₹5 lakh and ₹10 lakh across 1, 2, 3 and 5-year tenures.
Is HDFC Bank FD interest taxable and is TDS deducted?▾
Yes. FD interest is fully taxable and added to your income under "Income from Other Sources", taxed at your slab rate. HDFC Bank deducts TDS at 10% once your interest at the bank crosses ₹50,000 in a financial year (₹1 lakh for senior citizens); without a PAN it is 20%. TDS is only advance tax — if your income is below the taxable limit, submit Form 15G (Form 15H for seniors) to stop it, then settle any balance when you file your return.
Can I withdraw a HDFC Bank FD before maturity?▾
Yes, most HDFC Bank FDs allow premature withdrawal. Interest is then paid at the rate applicable for how long the deposit actually stayed (or the booked rate, whichever is lower), minus a penalty of typically 0.5%–1%. The exception is the 5-year tax-saving FD, which is locked in and cannot be broken early. Enter a shorter tenure in the calculator above to estimate what you would receive.
Cumulative vs monthly-payout HDFC Bank FD — which pays more?▾
A cumulative FD keeps the interest inside the deposit and compounds it quarterly, so it pays the most at maturity. A non-cumulative FD pays interest out every month or quarter for regular income, but nothing compounds, so the total is lower. On a ₹5 lakh 3 years FD at 6.45%, the cumulative option earns about Rs. 1.06 lakh versus roughly Rs. 96,750 as plain interest — the extra Rs. 9,059 is the value of compounding. Retirees who need monthly cash flow often still choose the payout option.
Is a HDFC Bank FD safe?▾
HDFC Bank FDs are insured by the DICGC up to ₹5 lakh per depositor per bank, covering both principal and interest. As an RBI-regulated bank, HDFC Bank is a very safe place to park money within that ₹5 lakh limit; spread larger sums across banks to stay fully insured.
Which HDFC Bank FD tenure gives the highest return?▾
HDFC Bank's highest rate among 1 to 5-year deposits is 6.5% on the 2 years FD. A longer lock-in does not always pay more here — the 2 years FD beats the 5-year rate of 6.4%, so match the tenure to your goal instead of stretching it.