HDFC Bank Fixed Deposit Calculator
Calculate your FD returns with latest HDFC rates
Highest FD Rate
6.95% p.a.
Best available rate by HDFC across tenures
One Lakh rupees
Minimum amount varies by bank (typically ₹1,000)
Cumulative FDs usually give higher maturity. Payout FDs suit monthly/quarterly income needs.
Best Fixed Deposit Rates Comparison 2026
Compare FD interest rates across top banks - General rates for 5 years
Bank
Interest Rate
Maturity
Interest
Compare
Highest Rate
8.05%
Suryoday SFB
Max Interest
₹49.0K
Best Return
Rate Spread
3.05%
Difference
Banks Available
41
Compared
HDFC Fixed Deposit Calculator Results
Compare different investment amounts and tenures
HDFC Fixed Deposit Interest Rates
Latest interest rates for different tenures
| Tenure | General Rate | General Maturity | Senior Citizen Rate | Senior Maturity |
|---|---|---|---|---|
| 7 - 14 days | 2.75% | ₹100,105 | 3.25% | ₹100,124 |
| 15 - 29 days | 2.75% | ₹100,218 | 3.25% | ₹100,258 |
| 30 - 45 days | 3.25% | ₹100,400 | 3.75% | ₹100,461 |
| 46 - 60 days | 4.25% | ₹100,697 | 4.75% | ₹100,779 |
| 61 - 89 days | 4.25% | ₹101,036 | 4.75% | ₹101,158 |
| 90 days <= 6 months | 4.25% | ₹102,107 | 4.75% | ₹102,356 |
| 6 months 1 day <= 9 months | 5.5% | ₹104,124 | 6% | ₹104,504 |
| 9 months 1 day to < 1 Year | 5.75% | ₹105,859 | 6.25% | ₹106,380 |
| 1 Year to < 15 months | 6.25% | ₹107,927 | 6.75% | ₹108,583 |
| 15 months to < 18 months | 6.35% | ₹109,750 | 6.85% | ₹110,550 |
| 18 months to < 21 months | 6.45% | ₹111,657 | 6.95% | ₹112,608 |
| 21 months to 2 years | 6.45% | ₹113,652 | 6.95% | ₹114,775 |
| 2 Years 1 day to < 2 Year 11 Months | 6.45% | ₹120,400 | 6.95% | ₹122,130 |
| 2 Years 11 Months (35 months) | 6.45% | ₹120,421 | 6.95% | ₹122,153 |
| 2 Years 11 Months 1 day <= 3 Year | 6.45% | ₹121,162 | 6.95% | ₹122,963 |
| 3 Years 1 day to < 4 Years 7 Months | 6.4% | ₹133,687 | 6.9% | ₹136,727 |
| 4 Year 7 Months (55 months) | 6.4% | ₹133,710 | 6.9% | ₹136,753 |
| 4 Year 7 Months 1 day <= 5 Years | 6.4% | ₹137,364 | 6.9% | ₹140,784 |
| 5 Years 1 day to 10 Years | 6.15% | ₹184,102 | 6.65% | ₹193,389 |
Important Notes
- Min deposit: ₹5,000
- Penalty: 1% on premature closure
- TDS applicable if annual interest exceeds ₹40,000
- Auto-renewal facility available
Key Benefits
- Guaranteed returns with low risk
- Better rates than savings accounts
- Loan against FD facility
- DICGC insurance up to ₹5,00,000
Tax & TDS on HDFC Fixed Deposits
Understanding tax implications and deductions on your FD investments
Section 80C
Tax-saving FDs (5-year lock-in) qualify for deduction up to ₹1.5 lakh under Section 80C
Senior Citizens
Higher TDS exemption limit of ₹50,000 for citizens above 60 years
• Regular FDs don't qualify for Section 80C deduction
• Interest income is fully taxable as per income tax slab
• Form 15G/15H can be submitted to avoid TDS
TDS Rate
10%
Exemption Limit
₹40,000
TDS Calculation
TDS is deducted at 10% if total interest from all FDs with HDFC exceeds ₹40,000 in a financial year
TDS is deducted at source by the bank
Form 26AS shows TDS deducted
Can be claimed as advance tax while filing ITR
No PAN: higher 20% TDS applies
₹5 Lakh FD
At 6.45% for 3 years
₹32,250
Annual Interest
TDS: ₹0
₹10 Lakh FD
At 6.45% for 3 years
₹64,500
Annual Interest
TDS: ₹2,450
₹25 Lakh FD
At 6.45% for 3 years
₹161,250
Annual Interest
TDS: ₹12,125
HDFC Fixed Deposit FAQs
Everything you need to know about HDFC Fixed Deposits, interest rates, and FD investment planning
What is the minimum amount required for HDFC FD?
What is the current highest FD rate offered by HDFC?
Is the interest earned on HDFC FD taxable?
Can I get a loan against my HDFC FD?
Compare FD Rates Across Banks
Calculate Fixed Deposit returns with different banks and find the best rates