HDFC Bank Fixed Deposit (FD) Calculator
Determine your maturity value and interest earnings on HDFC Bank domestic fixed deposits using verified bank interest rates.
Official Rate Formula & Benchmark:
HDFC Bank domestic term deposits compound interest quarterly according to IBA formula. A 3-year deposit carries an official card rate of 7.00% p.a. (7.50% for seniors).
Current official starting rate: 7.00% p.a. (Range: 6.60% – 7.25% p.a.).
HDFC Bank FD Calculator
Interactive calculation engine using official HDFC Bank rates
Senior Citizen Benefit
HDFC Bank offers 7.50% p.a. (+0.50% extra) for age 60+
Deposit Growth Schedule
| Year | Cumulative Interest | Closing Value |
|---|---|---|
| Year 1 | ₹35,930 | ₹5,35,930 |
| Year 2 | ₹74,441 | ₹5,74,441 |
| Year 3 | ₹1,15,720 | ₹6,15,720 |
Rate Verification & Official Notice
7.00% p.a.
6.60% – 7.25% p.a.
fixed RateRBI Repo Linked / Card Rate
Senior Citizens: up to 7.50% p.a.Applicable Conditions & Eligibility Factors:
- Quarterly compounding standard
- 50 bps premium for senior citizens
- DICGC insurance up to ₹5 Lakh
Source: HDFC Bank Fixed Deposit Rates
Rates subject to borrower risk-grade & RBI regulatory changes.How It Works
- 1Quarterly compounding on cumulative deposits.
- 2Senior citizens get 50 bps extra across all tenures.
Key Factors Influencing Your Rate
- •Tenure selection
- •Tax saver 5-year FD 80C eligibility
Worked Numerical Example: HDFC Bank FD Calculator
A fixed deposit of ₹5,00,000 placed for 3 years at 7.00% p.a. with quarterly compounding matures at ₹6,15,720, earning ₹1,15,720 in cumulative interest.
Frequently Asked Questions: HDFC Bank FD Calculator
- How often is interest compounded?
- Every quarter.
- Are HDFC FDs insured?
- Yes, up to ₹5 Lakh by DICGC.