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HDFC Bank Fixed Deposit (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.
Book FDs at Interest rate upto 8.00% p.a
Manage all FDs in one place
No Bank A/C Required
How to Use Paisabazaar’s FD Calculator
The procedure to use Paisabazaar’s Fixed Deposit 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
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?
HDFC FD Interest Rates
Domestic/NRO/NRE Deposits of less than Rs 3 crore w.e.f. 17 December 2025
| Tenure (Days/Years) | Interest Rates (% p.a.) | |
| Regular Citizens | Senior Citizens | |
| 7 – 14 days | 2.75 | 3.25 |
| 15 – 29 days | 2.75 | 3.25 |
| 30 – 45 days | 3.25 | 3.75 |
| 46 – 60 days | 4.25 | 4.75 |
| 61 – 89 days | 4.25 | 4.75 |
| 90 days – 6 months | 4.25 | 4.75 |
| 6 months 1 day – 9 months | 5.50 | 6.00 |
| 9 months 1 day – less than 1 year | 5.75 | 6.25 |
| 1 year – less than 15 months | 6.25 | 6.75 |
| 15 months – less than 18 months | 6.35 | 6.85 |
| 18 months – less than 21 months | 6.45 | 6.95 |
| 21 months – 2 years | 6.45 | 6.95 |
| 2 years 1 day – less than 2 years 11 months | 6.45 | 6.95 |
| 2 years 11 months (35 months) | 6.45 | 6.95 |
| 2 years 11 months 1 day – 3 years | 6.45 | 6.95 |
| 3 years 1 day – less than 4 years 7 months | 6.40 | 6.90 |
| 4 years 7 months (55 months) | 6.40 | 6.90 |
| 4 years 7 months 1 day – 5 years | 6.40 | 6.90 |
| 5 years 1 day – 10 years | 6.15 | 6.65 |
Rates updated as of 14 January 2026
Note:-
1. The additional senior citizen rates are not applicable to NRO and NRE deposits
2. The minimum tenure for NRE deposits is 1 year
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.
FAQs
What is the highest interest rate currently offered on HDFC Bank Fixed Deposits?
For regular citizens, the highest interest rate currently being offered on HDFC Bank FD is 6.45% p.a. for the tenure of 18 months to 3 years. For senior citizens, the bank offers an interest premium of 0.5%, therefore, the interest rate being offered to them on the same tenure is 6.95% p.a.
How much interest will I earn if I invest Rs 1 lakh in HDFC Bank FD for a tenure of 1 year?
HDFC Bank offers 6.25% p.a. interest rate on a tenure of 1 year. So, by investing Rs 1 lakh in a HDFC Bank fixed deposit account, you can earn Rs 6,398 as interest, giving you Rs 1.06 lakh as maturity amount. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
How much interest will I earn if I invest Rs 1 lakh in HDFC Bank FD for a tenure of 3 year?
HDFC Bank offers 6.45% p.a. interest rate on a tenure of 1 year. So, by investing Rs 1 lakh in a HDFC Bank fixed deposit account, you can earn Rs 21,162 as interest, giving you Rs 1.21 lakh as maturity amount. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
How much interest will I earn if I invest Rs 1 lakh in HDFC Bank FD for a tenure of 5 year?
HDFC Bank offers 6.25% p.a. interest rate on a tenure of 1 year. So, by investing Rs 1 lakh in a HDFC Bank fixed deposit account, you can earn Rs 37,365 as interest, giving you Rs 1.37 lakh as maturity amount. Senior citizens get an additional 0.50% p.a. interest rate above the regular rates.
Is HDFC Bank FD Calculator free to use?
Yes, the FD calculator available on HDFC Bank’s website is free for anyone to use.
Can NRIs use HDFC Fixed Deposit Calculator?
NRIs can use HDFC FD Calculator to estimate returns on their fixed deposits by entering the applicable NRE/NRO FD interest rate, tenure and deposit amount.
Where can I use the HDFC Bank Fixed Deposit Calculator?
Individuals can calculate the FD maturity value of their HDFC Bank FDs using Paisabazaar’s Fixed Deposit Calculator. It is easy to use and requires a few simple details such as investment amount, applicable interest rate and tenure. The calculator will automatically calculate and display the interest income and maturity amount.
Does the HDFC FD Calculator show interest earnings separately?
Yes, HDFC FD Calculator displays the total interest earnings separately along with the maturity amount.
Does HDFC Bank FD Calculator give accurate results?
Yes, HDFC Bank FD Calculator gives accurate results.
Is the HDFC Fixed Deposit Calculator useful for tax-saving FDs?
Yes. HDFC FD Calculator can be used to calculate the FD maturity amount and interest earned on HDFC’s tax saving FDs.