Estimate HDFC Bank fixed deposit maturity value and interest with Digifinn’s free FD calculator. Enter amount, tenure, and rate to plan your returns.
Interest Payout
TOTAL MATURITY VALUE
₹ 30,504.75
Invested amount
₹ 25,000.00
Est. Returns
₹ 5,504.75
HDFC Bank offers fixed deposits across a range of tenures, with interest depending on the rate applicable to your amount slab, customer category, and chosen period. At maturity, the bank is scheduled to return the principal along with accrued interest as per the deposit terms — subject to the bank’s rules, TDS, and applicable risks.
Digifinn’s HDFC FD Calculator helps estimate interest and maturity value from the amount, tenure, and rate you enter. You do not need specialised experience — a few inputs are enough for a planning estimate. Results are illustrative only. Always confirm current HDFC Bank FD rates and product terms on the bank’s official channels before investing.
It can help you estimate the maturity amount after a chosen period. HDFC Bank FD interest depends on the tenure and rate you select. Digifinn’s calculator supports planning in these ways:
Fixed deposits are a common way households in India park surplus money for a defined period. You get a stated rate for the chosen tenure (rates vary by bank and product), with benefits and limitations such as lock-in, premature withdrawal rules, and taxable interest.
Minimum deposit amounts differ by bank and product — some retail FDs start from relatively low amounts (often cited around ₹1,000 for certain offerings; confirm with HDFC Bank). Use Digifinn’s calculator to model how much you might place in an FD versus other instruments as you plan short-term goals or contingency needs.
FDs can suit some short-term goals when you want relatively predictable interest estimates if held to maturity under the bank’s terms. Digifinn’s tool is for scenario planning only — it does not open an account or confirm bank rates.
The rates below are published for educational illustration based on publicly shared HDFC Bank tenure slabs. They may be outdated and are not Digifinn’s rates. Verify the latest HDFC Bank FD rates on the bank’s official channels before investing.
| Tenure | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|---|---|
| 7 days – 14 days | 2.75% | 3.25% |
| 15 days – 29 days | 2.75% | 3.25% |
| 30 days – 45 days | 3.25% | 3.75% |
| 46 days – 60 days | 4.25% | 4.75% |
| 61 days – 89 days | 4.25% | 4.75% |
| 90 days to ≤ 6 months | 4.25% | 4.75% |
| 6 months 1 day to ≤ 9 months | 5.50% | 6.00% |
| 9 months 1 day to < 1 year | 5.75% | 6.25% |
| 1 year to < 15 months | 6.25% | 6.75% |
| 15 months to < 18 months | 6.35% | 6.85% |
| 18 months to < 21 months | 6.60% | 7.10% |
| 21 months – 2 years | 6.45% | 6.95% |
| 2 years 1 day to < 2 years 11 months | 6.45% | 6.95% |
| 2 years 11 months – 35 months | 6.45% | 6.95% |
| 2 years 11 months 1 day to ≤ 3 years | 6.45% | 6.95% |
| 3 years 1 day to < 4 years 7 months | 6.40% | 6.90% |
| 4 years 7 months – 55 months | 6.40% | 6.90% |
| 4 years 7 months 1 day to ≤ 5 years | 6.40% | 6.90% |
| 5 years 1 day to 10 years | 6.15% | 6.65% |
Illustrative only. Large-deposit slabs change frequently. Confirm current HDFC Bank rates for your deposit amount and customer category before investing.
| Tenure | Interest rates for general citizens (p.a.) | Interest rates for senior citizens (p.a.) |
|---|---|---|
| 7 days – 14 days | 4.00% | 4.50% |
| 15 days – 29 days | 4.00% | 4.50% |
| 30 days – 45 days | 4.75% | 5.25% |
| 46 days – 60 days | 5.00% | 5.50% |
| 61 days – 89 days | 5.25% | 5.75% |
| 90 days to ≤ 6 months | 5.50% | 6.00% |
| 6 months 1 day to ≤ 9 months | 5.75% | 6.25% |
| 9 months 1 day to < 1 year | 6.00% | 6.50% |
| 1 year to < 15 months | 6.25% | 6.75% |
| 15 months to < 18 months | 6.25% | 6.75% |
| 18 months to < 21 months | 6.40% | 6.90% |
| 21 months – 2 years | 6.40% | 6.90% |
| 2 years 1 day to < 3 years | 6.25% | 6.75% |
| 3 years 1 day to 5 years | 6.35% | 6.85% |
| 5 years 1 day to 10 years | 6.15% | 6.65% |
These notes summarise common bank FD practices for education only. Digifinn does not set HDFC Bank rates or terms. Read the bank’s deposit terms before investing.
A bank FD is a deposit with a stated interest rate and tenure under the bank’s terms. Bonds are tradable debt securities whose returns can vary with market prices, credit quality, and coupon structure. Neither should be treated as guaranteed.
Bank FDs with scheduled commercial banks are generally considered relatively lower-risk for retail savers, subject to the bank’s solvency and applicable deposit insurance limits. Bond risk depends on the issuer’s credit quality, structure, and market conditions. Always assess risks before investing.
Many listed bonds can be sold in the secondary market before maturity, subject to liquidity and price risk. Bank FDs are typically held to maturity; premature withdrawal, if allowed, usually has bank-specific penalties or rate adjustments. Choose based on your liquidity needs.
HDFC Bank offers fixed deposits and may facilitate access to other investment products through its channels. You can also explore bonds on Digifinn. Processes, eligibility, and KYC requirements differ by product.
Some investors prefer bank FDs when they want relatively predictable interest estimates for a set tenure. Bonds may offer higher yields but carry market and credit risks. Choose based on your risk appetite, liquidity needs, and tax situation — and review offer documents carefully.
