HDFC FD Calculator

HDFC FD Calculator and Interest Rates (2025)

HDFC Bank, one of India’s largest private sector banks, offers various fixed deposit (FD) schemes that provide competitive interest rates, making it a popular choice among investors. If you are looking to invest in HDFC FDs, you can use our HDFC FD Calculator to easily estimate your returns based on the investment amount, interest rate, and tenure.

HDFC FD Calculator: A Comprehensive Tool for Your Investment Planning

Fixed deposits are considered a safe and reliable investment option. The HDFC FD Calculator helps you plan your investment by estimating the maturity value based on different interest rates and time frames.

With HDFC’s competitive interest rates—ranging from 5.50% for the general public to 6.25% for senior citizens—you can easily use the calculator to make better financial decisions. The tool allows you to:

• Save time: The FD calculator simplifies the calculation of returns, giving you instant results.

• Plan effectively: Choose the ideal FD scheme and determine the optimal tenure based on your financial goals.

• Understand tax implications: Know how much tax will be deducted at source (TDS) on your FD interest, helping you plan for tax exemptions.

How to Use the HDFC FD Calculator:

1. Enter the deposit amount, tenure, and interest rate.

2. Instantly view your maturity amount and interest earned.

The calculator also supports different FD types, including reinvestment and payout options, allowing you to choose the one that fits your financial plan.

HDFC FD Interest Rates 2025

HDFC Bank offers a variety of fixed deposit options with attractive interest rates. FDs provide a safe avenue for individuals to park their surplus funds and earn guaranteed returns over a chosen tenure.

Key Features of HDFC Fixed Deposits:

• Additional 0.50% interest for senior citizens

• Minimum deposit: ₹5000

• Nomination facility available

• Compound interest: Earn on reinvested principal and interest

HDFC FD Rates (2025):

How to Open an HDFC FD Account:

You can open an FD account with HDFC Bank via:

• Internet Banking: Log in, navigate to 'Open Fixed Deposits', and follow the on-screen instructions.

• Mobile App: Download the HDFC Bank app, go to 'Deposit', and complete the process.

• Offline: Visit any HDFC Bank branch with necessary documents and the deposit amount.

Tax Implications and Loans Against FD:

• TDS is deducted on interest earned, and tax-saving FDs allow exemptions under Section 80C.

• You can avail of loans up to 90% of your FD value without breaking the deposit.

HDFC Tax Saving Fixed Deposit (FD)

HDFC Tax Saving FD allows you to save on income tax under Section 80C with a 5-year lock-in period. You can invest up to ₹1.5 lakhs per financial year and earn fixed returns.

Key Features:

• Minimum Investment: ₹100 (multiples of ₹100)
• Maximum Investment: ₹1.5 lakhs/year
• Lock-in Period: 5 years (no premature withdrawal)
• Joint Deposits: Tax benefit applies only to the first holder
• Interest Calculation: Quarterly, compounded and reinvested
• Premature Withdrawal: Not allowed due to the lock-in period
• Interest Payout Options: Monthly, quarterly, or at maturity