🏦
HDFC Bank FD Rates Updated
Rates vary by tenure and customer category · Verify the applicable rate before booking
🏦 HDFC Bank · Rate sheet varies by tenure · Verify before booking
HDFC FD Calculator 2026
Estimate HDFC Bank fixed-deposit maturity and interest from your deposit amount, tenure, customer category and selected rate assumption.
1. Enter deposit2. Choose tenure3. See maturity
ℹ️ Results are for informational and educational purposes only. Consult a qualified financial advisor for personalised advice. Rates shown are approximate and may vary.
🧮 HDFC FD Interest Calculator
HDFC FD Maturity
₹1,07,250
📊 HDFC Bank FD Rates — applicable from 19 August 2026
Rates shown for deposits below ₹3 crore · senior-citizen rate shown where applicable · check the bank's current rate on the value date.
TenureRegularSenior
7–14 days2.75%3.25%
15–29 days2.75%3.25%
30–45 days3.25%3.75%
46–60 days4.25%4.75%
61–89 days4.25%4.75%
90 days–6 months4.25%4.75%
6 months 1 day–9 months5.50%6.00%
9 months 1 day–1 year5.75%6.25%
1 year–<15 months6.25%6.75%
15 months–<18 months6.35%6.85%
18 months–<21 months6.45%6.95%
21 months–2 years6.45%6.95%
2 years 1 day–<2 years 11 months6.45%6.95%
2 years 11 months 1 day–3 years6.45%6.95%
3 years 1 day–<4 years 7 months6.50%7.10%
4 years 7 months–5 years6.40%6.90%
5 years 1 day–10 years6.15%6.65%
Source: HDFC Bank rate schedule effective 19 August 2026. Rates can change without notice; the applicable rate is the one available on the value date.
⚖️ What to compare before booking an FD
Rate
Compare the applicable rate for the exact tenure and deposit category.
Payout
Monthly/quarterly payout and reinvestment options can change the outcome.
Liquidity
Check premature-closure terms, penalties and any lock-in conditions.
Tax
Interest is taxable under the applicable tax rules; review TDS and tax treatment separately.
🔎 Explore related savings & investment tools
Compare PPF, NSC, SIP and other options using their applicable rates, tax rules and time horizons.
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HDFC Bank FD 2026 — Key Features
HDFC Bank Fixed Deposit is one of India's most popular investment products offering interest at the applicable fixed-deposit rate, DICGC insurance up to ₹5 lakh, and flexible tenures from 7 days to 10 years. HDFC rate offers should be compared with current rates from other banks for the same tenure and customer category. Minimum deposit: ₹5,000 for regular FD, ₹10,000 for senior citizen specific schemes. Premature withdrawal allowed with 1% penalty on applicable rate. Auto-renewal option available.
How to Open HDFC FD Online
Existing HDFC customers: Login to HDFC NetBanking → Deposits → New Fixed Deposit → Select amount, tenure, and maturity instruction. Takes 2 minutes. New customers: Visit any HDFC branch with Aadhaar, PAN, and photograph. HDFC also allows FD through HDFC Mobile Banking App under Accounts → FD/RD → Create FD. Interest can be paid monthly, quarterly, or at maturity depending on your choice at the time of opening.
HDFC FD Tax — TDS and Form 15G/15H
TDS on FD interest is governed by the current income-tax rules and applicable thresholds; use the current threshold for the relevant tax year. To avoid TDS deduction: submit Form 15G (if income below taxable limit, below 60 years) or Form 15H (senior citizens) at the start of every financial year. Even with TDS, declare FD interest in ITR under 'Income from Other Sources'. Your after-tax return depends on your applicable tax rate and the current tax rules — compare with PPF at 7.1% fully tax-free.
ℹ️
For informational use only. Results are estimates based on inputs provided. Not financial, tax, or investment advice. Consult a qualified professional for personalised guidance. Rates are indicative and may vary.
Read full disclaimer.
Frequently Asked Questions
Which HDFC FD rates are shown on this page?▼
For deposits below ₹3 crore, the HDFC Bank rate sheet effective 19 August 2026 lists 6.35% for 15 to <18 months, 6.45% for 18 to <21 months, 6.50% for 3 years 1 day to 4 years 7 months, and 6.15% for 5 years 1 day to 10 years. Verify the rate on the value date.
HDFC FD vs PPF — which is better?▼
PPF at 7.1% is completely tax-free (EEE) while HDFC FD at the applicable rate is fully taxable. After tax at 30% slab: PPF effective = 7.1%, HDFC FD effective = 4.45%. PPF is significantly better for 30% slab taxpayers. After-tax comparisons depend on your tax rate and the applicable tax rules.
Can I break HDFC FD before maturity?▼
Yes. Premature withdrawal allowed with 1% penalty on the applicable interest rate. Example: FD at 6.35%, broken before maturity — the applicable premature-closure rate is determined by HDFC Bank under its current premature-withdrawal terms for the period held. HDFC does not charge penalty for FDs held for less than 7 days. Consider opening multiple smaller FDs instead of one large FD.
How to calculate HDFC FD maturity amount?▼
Maturity = P × (1 + r/n)^(n×t). Where P = principal, r = annual rate, n = compounding frequency (4 for quarterly), t = time in years. Example: ₹1 lakh at 6.35% quarterly for 15 months can be estimated using the calculator above; actual maturity depends on the bank's applicable terms. Use our calculator above for instant results.