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Fixed Deposit Calculator

Make Smarter Savings Decisions with an FD Calculator.

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Customer Type:

₹
₹ 5,000 ₹ 2,99,99,999
Quick Selection
Months 12
Days 0
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Interest Rate: 6.00

%
Total Maturity Amount (Principle + Interest)

₹

Maturity Date

27-01-2026

Interest Amount

₹6765

Open FD View FD Rates

Find the best interest rates and duration

5.75%

9 M 1 day to < 1 Yrs

Highest

6.50%

36 M 1 day to 55 M

6.45%

18 M to 21 M

Note:  Maturity amount is approximate and excludes TDS. For FDs booked on the first or last day, monthly/quarterly interest is paid at month-end.

Interest Calculation

Financial year wise interest amount

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Disclaimer:
This is an approximate maturity amount. The final value may differ. Also, it does not include TDS deductions. FDs booked on the Last day of the month and first day of the month, the interest pay-out in case of Monthly and Quarterly options will be done on Last day of the month, irrespective of the dates mentioned in the detailed calculations

How are FD Returns Calculated?

  • FD returns depend on your investment amount, interest rate, tenure, and payout option. Cumulative FDs benefit from compounding, while non-cumulative FDs provide regular interest payouts.

For example, suppose you invest ₹1,00,000 in a Fixed Deposit for 5 years at an interest rate of 7% per annum, compounded quarterly. At the end of the tenure, the investment may grow to approximately ₹1,41,000, depending on the bank’s compounding frequency and applicable terms.
 

  • An FD calculator helps simplify this process by instantly estimating the maturity amount and total interest earned based on your investment details. This can make financial planning more convenient and help you compare different tenure and investment options more effectively.

Why Invest in Fixed Deposits?

Fixed Deposits are often considered one of the most reliable investment options for individuals looking for stable and predictable returns. They can help balance financial security with disciplined savings.
 

Here are some key benefits of investing in Fixed Deposits:
 

  • Stable and assured returns unaffected by market fluctuations.
  • Flexible investment tenures to suit different financial goals.
  • Higher interest rates compared to regular savings accounts.
  • Compounding benefits that help grow savings steadily over time.
  • Low-risk investment option suitable for conservative investors.
  • Senior citizens may receive additional interest rate benefits on eligible FDs.
  • Loan or overdraft facilities may be available against Fixed Deposits.
  • Helps encourage disciplined and goal-based financial planning.
     

With the help of a Fixed Deposit Calculator, investors can estimate potential returns in advance and make more informed investment decisions based on their financial needs.

How to Book Your FD With HDFC Bank?

Here are the steps to use HDFC Bank Fixed Deposit Rate Calculator:

  • Step 1: Visit the HDFC Bank Fixed Term Deposit Calculator page.
  • Step 2: Enter the principal amount you wish to deposit. The minimum deposit permitted is ₹5,000.
  • Step 3: Enter the tenure of your deposit in months or days.
  • Step 4: If you are a senior citizen, select ‘Yes’ for higher FD rates.
  • Step 5: Enter the start date of your deposit.
  • Step 6: The interest rate will be auto-populated.
  • Click ‘Calculate’ to get the maturity amount and the interest you will earn.

*The amount mentioned in the calculator is an indicative figure.

  • Please refer to the FD/ RD advice to get the exact maturity amount
  • Here are the easy ways to book your Fixed Deposit
  • Login using your mobile no. registered with HDFC Bank
  • Login  via NetBanking > Accounts > Transact > Open Fixed Deposit

Terms and Conditions

  • The rates are subject to change from time to time.
  • The rates auto-populated are for Resident deposits < ₹2Crore.
  • The bank will pay interest as per the rates published on the website for the respective dates and tenors.
  • As per the Terms & Conditions of Fixed Deposit Accounts of the bank, with effect from July 22nd, 2023, the interest rate applicable for premature withdrawal, including Sweep-in / Partial Withdrawal, will be 1% lower (as applicable) than the rate on the date of deposit booked, to the period for which deposit remained with the bank and not at the contracted rate.

To check the interest rates, Click here.

VIEW FD RATES
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Types of Fixed Deposits

A standard FD where a lump sum amount is invested for a fixed tenure at a predetermined interest rate. The returns remain stable throughout the investment period.

These FDs come with a lock-in period of 5 years and may offer tax benefits under applicable tax laws. Premature withdrawal is generally not allowed during the lock-in tenure.

Designed for senior citizens, these FDs usually offer slightly higher interest rates compared to regular Fixed Deposits.

In this type, the interest earned is compounded and paid along with the principal amount at maturity. This may help generate higher overall returns over time.

Interest is paid out at regular intervals such as monthly, quarterly, half-yearly, or annually. This option may suit individuals looking for periodic income.

A Flexi FD links the Fixed Deposit with a savings account, allowing easier liquidity while still earning FD-like interest on surplus funds.

These Fixed Deposits are designed for Non-Resident Indians (NRIs) to help manage and grow funds held in India, subject to applicable regulations and terms.

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Frequently Asked Questions

Yes, we offer a preferential rate of interest on Fixed Deposits for Senior Citizens. To be eligible for senior citizen interest rates, you only need to register by visiting any branch with proof of your Date of Birth. Once registered, you are also eligible for preferential interest rates on Fixed Deposits opened through NetBanking. 
 

Click here to view interest rates on Fixed Deposits. 
 

The Fixed Deposit will be booked in the same combination/order of names as the existing Current/Savings Account from which the funds are being transferred.

An FD interest calculator uses the formula: 
 

Maturity Amount = P (1 + r/n) ^ nt 
 

Where: 

  • P is the principal 
  • r is the interest rate
  • t is the tenure (in years) 
  • n is the number of times interest is compounded per time period

In case you are not registered for the NetBanking facility, we request you to visit the following URL. Click here to learn how to register.

Customers can now update PAN details through NetBanking if they are registered for the same, or by submitting the request along with a copy of the PAN at the nearest branch. 
 

For more details on the outstation cheque collection policy, click here. For other queries, Contact Us.

You can book Fixed Deposits through NetBanking provided: 
 

  • You have registered for the facility with the necessary online financial transaction rights
  • Your PAN number is updated under your Customer Identification Number in the bank's records 
     

The following are the steps required to book your Fixed Deposit online: 
 

  • Access your NetBanking account with your Customer ID and IPIN (NetBanking Password)
  • Select the "Open New Fixed Deposit" option under the Fixed Deposit menu from the Menu bar located on the left-hand side of the web page
  • Select the desired values from the drop-down lists
  • Once complete, click on "Continue" and "Confirm" the details entered 
     

A new web page confirming the Fixed Deposit booking will be displayed. Physical advice will not be sent for Fixed Deposits booked through NetBanking. An electronic mail advice will be sent to you on your registered email ID within 2 working days. The password for your Fixed Deposit Advice will be your Customer ID. 
 

If you wish to check your Fixed Deposit holdings at any point, you can view them on the Fixed Deposit summary page on NetBanking. If you want physical advice, you can walk into your nearest HDFC Bank branch.

An FD calculator helps you estimate the maturity amount, compare different deposit options, and plan your savings effectively by considering deposit amount, interest rate, and tenure for optimal financial decisions.

As per the Terms & Conditions of Fixed Deposit Accounts of the bank, the penalty for premature closure of Fixed Deposits, including sweep-in and partial closures, has been fixed by the bank at the rate of 1% of the Fixed Deposit interest rate. This is applicable with effect from 24th January 2011.

When your Fixed Deposit is booked with the quarterly/monthly interest payout option, the maturity amount is the same as the principal amount. The interest amount will be credited to your account at quarterly/monthly intervals.

To use an FD calculator, enter the deposit amount, interest rate, tenure, and compounding frequency. The calculator then provides the estimated maturity amount and interest earned based on these inputs.

Steady Returns, Low Risk: Invest in Fixed Deposits Now!

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