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HDFC Bank FD Interest Rate Calculator

HDFC Bank FD online calculator will help you calculate the interest that your money will earn when kept in a fixed deposit in HDFC Bank. This will give the details of investment that's the principal amount on maturity after the interest is compounded on days or a monthly, quarterly, half-yearly and yearly basis. To learn about how your fixed deposit earns interest and how much will be your earning at the end of the tenure chosen, Goodreturns online calculators will help you.

HDFC Bank Fixed Deposit Interest Rates

HDFC Bank fixed deposit is a great way to save money for a period of time, if you are looking at getting your invested money safely along with good returns on your investment, then fixed deposit is the way to go. Checking the HDFC Bank fixed deposit interest rate and making the decisions is now very easy.


For domestic deposits - Less than Rs. 1 cr [ Revised on : 02-08-2017 ]

Maturity Period Deposit Amount Interest Rate
General Senior Citizen
7 days to 14 days Less than Rs. 1 cr 3.50 4.00
15 days to 29 days Less than Rs. 1 cr 4.25 4.75
30 days to 45 days Less than Rs. 1 cr 5.50 6.00
46 days to 60 days Less than Rs. 1 cr 5.75 6.25
61 days to 90 days Less than Rs. 1 cr 5.75 6.25
91 days to less than 6 months Less than Rs. 1 cr 5.75 6.25
6 months 1 day to 6 months 3 days Less than Rs. 1 cr 6.00 6.50
6 months 4 days Less than Rs. 1 cr 6.00 6.50
6 months 5 days to 9 months Less than Rs. 1 cr 6.00 6.50
9 mnths 1 day 9 months 3 days Less than Rs. 1 cr 6.00 6.50
9 mnths 4 days Less than Rs. 1 cr 6.00 6.50
9 months 5 days - 9 months 15 days Less than Rs. 1 cr 6.00 6.50
9 months 16 days Less than Rs. 1 cr 6.25 6.75
9 mnths 17 day- less 1 Year Less than Rs. 1 cr 6.25 6.75
1 Year Less than Rs. 1 cr 6.80 7.30
1 year 1 day - 1 year 3 days Less than Rs. 1 cr 6.80 7.30
1 year 4 days Less than Rs. 1 cr 6.25 6.75
1 year 5 days - 1 Year 15 Days Less than Rs. 1 cr 6.25 6.75
1 Year 16 days Less than Rs. 1 cr 6.25 6.75
1 year 17 days - 2 Years Less than Rs. 1 cr 6.25 6.75
2 years 1day - 2 Years 15 days Less than Rs. 1 cr 6.00 6.50
2 Years 16 days Less than Rs. 1 cr 6.00 6.50
2 years 17 days - 3 Years Less than Rs. 1 cr 6.00 6.50
3 years 1days - 5 years Less than Rs. 1 cr 6.00 6.50
5 years 1days - 8 years Less than Rs. 1 cr 6.00 6.50
8 years 1 day-10 years Less than Rs. 1 cr 6.00 6.50

For domestic deposits - Rs. 1 cr to up to 5 crs [ Revised on : 02-08-2017 ]

Maturity Period Deposit Amount Interest Rate
General Senior Citizen
7 days to 14 days Rs. 1 cr to up to 5 crs 4.25 4.75
15 days to 29 days Rs. 1 cr to up to 5 crs 4.25 4.75
30 days to 45 days Rs. 1 cr to up to 5 crs 4.25 4.75
46 days to 60 days Rs. 1 cr to up to 5 crs 6.00 6.50
61 days to 90 days Rs. 1 cr to up to 5 crs 6.00 6.50
91 days to less than 6 months Rs. 1 cr to up to 5 crs 5.25 5.75
6 months 1 day to 6 months 3 days Rs. 1 cr to up to 5 crs 5.25 5.75
6 months 4 days Rs. 1 cr to up to 5 crs 6.25 6.75
6 months 5 days to 9 months Rs. 1 cr to up to 5 crs 5.25 5.75
9 mnths 1 day 9 months 3 days Rs. 1 cr to up to 5 crs 5.25 5.75
9 mnths 4 days Rs. 1 cr to up to 5 crs 6.25 6.75
9 months 5 days - 9 months 15 days Rs. 1 cr to up to 5 crs 5.25 5.75
9 months 16 days Rs. 1 cr to up to 5 crs 5.25 5.75
9 mnths 17 day- less 1 Year Rs. 1 cr to up to 5 crs 5.25 5.75
1 Year Rs. 1 cr to up to 5 crs 4.90 5.40
1 year 1 day - 1 year 3 days Rs. 1 cr to up to 5 crs 4.90 5.40
1 year 4 days Rs. 1 cr to up to 5 crs 6.50 7.00
1 year 5 days - 1 Year 15 Days Rs. 1 cr to up to 5 crs 5.00 5.50
1 Year 16 days Rs. 1 cr to up to 5 crs 5.00 5.50
1 year 17 days - 2 Years Rs. 1 cr to up to 5 crs 5.00 5.50
2 years 1day - 2 Years 15 days Rs. 1 cr to up to 5 crs 4.85 5.35
2 Years 16 days Rs. 1 cr to up to 5 crs 4.85 5.35
2 years 17 days - 3 Years Rs. 1 cr to up to 5 crs 4.85 5.35
3 years 1days - 5 years Rs. 1 cr to up to 5 crs 4.85 5.35
5 years 1days - 8 years Rs. 1 cr to up to 5 crs 4.85 5.35
8 years 1 day-10 years Rs. 1 cr to up to 5 crs 4.85 5.35

Tax Saver Fixed Deposits [ Amount capped at Rs. 1 lakh per Financial Year ]

Maturity Period Deposit Amount Interest Rate
General Senior Citizen
HDFC Bank Tax Saver Deposits - 5 years Upto Rs. 1 lakh 6.00 6.50

For NRO Fixed Deposit - Less than Rs. 1 cr [ Revised on : 02-08-2017 ]

Maturity Period Deposit Amount Interest Rate
7 days to 14 days Less than Rs. 1 cr 3.50
15 days to 29 days Less than Rs. 1 cr 4.25
30 days to 45 days Less than Rs. 1 cr 5.50
46 days to 60 days Less than Rs. 1 cr 5.75
61 days to 90 days Less than Rs. 1 cr 5.75
91 days to less than 6 months Less than Rs. 1 cr 5.75
6 months 1 day to 6 months 3 days Less than Rs. 1 cr 6.00
6 months 4 days Less than Rs. 1 cr 6.00
6 months 5 days to 9 months Less than Rs. 1 cr 6.00
9 mnths 1 day 9 months 3 days Less than Rs. 1 cr 6.00
9 mnths 4 days Less than Rs. 1 cr 6.00
9 months 5 days - 9 months 15 days Less than Rs. 1 cr 6.00
9 months 16 days Less than Rs. 1 cr 6.25
9 mnths 17 day- less 1 Year Less than Rs. 1 cr 6.25
1 Year Less than Rs. 1 cr 6.80
1 year 1 day - 1 year 3 days Less than Rs. 1 cr 6.80
1 year 4 days Less than Rs. 1 cr 6.25
1 year 5 days - 1 Year 15 Days Less than Rs. 1 cr 6.25
1 Year 16 days Less than Rs. 1 cr 6.25
1 year 17 days - 2 Years Less than Rs. 1 cr 6.25
2 years 1day - 2 Years 15 days Less than Rs. 1 cr 6.00
2 Years 16 days Less than Rs. 1 cr 6.00
2 years 17 days - 3 Years Less than Rs. 1 cr 6.00
3 years 1days - 5 years Less than Rs. 1 cr 6.00
5 years 1days - 8 years Less than Rs. 1 cr 6.00
8 years 1 day-10 years Less than Rs. 1 cr 6.00

For NRO Fixed Deposit - Rs. 1 cr to up to 5 crs [ Revised on : 02-08-2017 ]

Maturity Period Deposit Amount Interest Rate
7 days to 14 days Rs. 1 cr to up to 5 crs 4.25
15 days to 29 days Rs. 1 cr to up to 5 crs 4.25
30 days to 45 days Rs. 1 cr to up to 5 crs 4.25
46 days to 60 days Rs. 1 cr to up to 5 crs 6.00
61 days to 90 days Rs. 1 cr to up to 5 crs 6.00
91 days to less than 6 months Rs. 1 cr to up to 5 crs 5.25
6 months 1 day to 6 months 3 days Rs. 1 cr to up to 5 crs 5.25
6 months 4 days Rs. 1 cr to up to 5 crs 6.25
6 months 5 days to 9 months Rs. 1 cr to up to 5 crs 5.25
9 mnths 1 day 9 months 3 days Rs. 1 cr to up to 5 crs 5.25
9 mnths 4 days Rs. 1 cr to up to 5 crs 6.25
9 months 5 days - 9 months 15 days Rs. 1 cr to up to 5 crs 5.25
9 months 16 days Rs. 1 cr to up to 5 crs 5.25
9 mnths 17 day- less 1 Year Rs. 1 cr to up to 5 crs 5.25
1 Year Rs. 1 cr to up to 5 crs 4.90
1 year 1 day - 1 year 3 days Rs. 1 cr to up to 5 crs 4.90
1 year 4 days Rs. 1 cr to up to 5 crs 6.50
1 year 5 days - 1 Year 15 Days Rs. 1 cr to up to 5 crs 5.00
1 Year 16 days Rs. 1 cr to up to 5 crs 5.00
1 year 17 days - 2 Years Rs. 1 cr to up to 5 crs 5.00
2 years 1day - 2 Years 15 days Rs. 1 cr to up to 5 crs 4.85
2 Years 16 days Rs. 1 cr to up to 5 crs 4.85
2 years 17 days - 3 Years Rs. 1 cr to up to 5 crs 4.85
3 years 1days - 5 years Rs. 1 cr to up to 5 crs 4.85
5 years 1days - 8 years Rs. 1 cr to up to 5 crs 4.85
8 years 1 day-10 years Rs. 1 cr to up to 5 crs 4.85

Different Types of Fixed Deposit Available With HDFC Bank

Individuals having HDFC Bank account fixed deposit can open online within few steps. The interest rate on domestic deposit varies with the deposit amount. Below table provides interest rate depending on the amount.

Tax Saving Fixed Deposit

Individuals can open tax saving fixed deposit with HDFC bank and avail tax benefits on the same. The amount eligible under the scheme is Rs 150,000 which means one can avail tax benefits for the invested amount up to Rs 1,50,000.

Interest rate on tax saver fixed deposit will be applicable same as the current prevailing interest rates.However, TDS will be applicable for the amount exceeding Rs 10,000 per year.Make sure to update the PAN else TDS will be levied at 20 per cent instead of 10 per cent.

NRO Fixed Deposits

Nonresident Indians can open NRO fixed deposit which can be maintained in Indian rupees. NRI's can repatriate the interest earned on fixed deposit. There is also the facility to avail overdraft up to 90% of the deposit.

The minimum amount an NRO Fixed Deposit can be opened with Rs 25,000/- and the amount required for Add-on fixed deposit is Rs 10,000/. Interest earned will be credited to NR0 Savings Account every quarter of the year.NRO fixed deposit can be opened jointly with a resident individual. Note that NRO funds cannot be used to create NRE or FCNR deposit.

NRE Fixed Deposits

The minimum amount required to open an NRE Fixed Deposit Account is Rs 25,000/- and the amount required for Add-on Fixed Deposits is Rs 10,000/-. HDFC NRE Fixed deposit holder will not get a cheque book or debit card.

NRE deposit holders can break deposit before the maturity period. NRE Deposits will be eligible for interest only if they hold it for a minimum period of one year. Funds held in NRE fixed deposit are exempted from income tax in India.

How Interest Rates Move?

FD interest rates movement is largely a factor, which is not completely, but at least partially determined by the Reserve Bank of India. The country's central bank controls the repo rates or the rates at which the RBI lends money to banks. When this interest rates move higher, it only pushed FD interest rates in the economy higher. HDFC Bank like most other banks then lends money according to these rates. Over the last few years, we have seen interest rates in the economy falling. However, they are now moving higher, which tends to benefit retired individuals and those who look at this avenue for sustenance.

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