HDFC FD Calculator — HDFC Bank Fixed Deposit — FY 2026-27
Calculate maturity on your HDFC Bank Fixed Deposit at current HDFC card rates. HDFC is the largest private-sector bank for FDs and offers flexible tenures from 7 days to 10 years, with quarterly compounding. Senior citizens earn +0.5% on all tenures.
Default rate: 6.6% p.a.Last updated:
Deposit inputs
- FD maturity
- ₹6.94 L
- Principal
- ₹5.00 L
- Total interest
- ₹1.94 L
- Effective yield
- 6.77%
| Applied rate (after senior bonus / penalty) | 6.60% |
| Principal | ₹5,00,000 |
| Total interest earned | ₹1,93,614 |
| Gross maturity | ₹6,93,614 |
| Less: TDS u/s 194A (10% on interest) | (₹19,361) |
| Net amount in your hand | ₹6,74,252 |
HDFC FD Calculator — HDFC Bank Fixed Deposit — FAQ
What is the current HDFC FD interest rate?
HDFC FD rates by tenure (FY 2026-27, verify at hdfcbank.com): 7-30 days: 3.00-4.50%; 1-2 years: 6.60%; 2-3 years: 7.00%; 3-5 years: 6.75%; 5-10 years: 6.60%. Senior citizens get +0.5% uniformly. Special 44-month and 15-month FDs offered at ~7.2% during promotions.
How to open an HDFC FD online?
Log into HDFC NetBanking or Mobile Banking app → Open Fixed Deposit. Select tenure, amount (₹5,000 min, no max), payout frequency (cumulative / monthly / quarterly interest). Funds debit from linked savings account. Receipt issued instantly; physical advice mailed or available as e-copy.
What is the maximum HDFC FD limit?
No upper cap. For deposits above ₹3 crore, rates are separately negotiated (bulk deposit). For single deposits above ₹5 L, HDFC requires Form 15G/15H to avoid TDS if applicable. DICGC insurance covers only ₹5 L per depositor per bank — split large FDs across banks for insurance safety.
What is HDFC Super Saver FD?
HDFC Super Saver is a sweep-out FD linked to your savings account. Any balance above a threshold (e.g., ₹1 L) auto-converts to an FD at the applicable rate, and breaks back when you need liquidity. Returns are slightly lower than a standard FD (early-break penalty) but cash remains accessible. Useful for emergency fund planning.
How much interest on ₹5 lakh HDFC FD for 5 years?
At 6.60% with quarterly compounding, ₹5 L over 5 years matures to ₹6,93,060 — interest of ₹1,93,060. Senior citizens at 7.10%: ₹7,10,014 (interest ₹2,10,014). Our calculator handles both scenarios precisely — pre-fills HDFC card rate and toggles senior citizen bonus.
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