HDFC FD Calculator 2025

HDFC FD calculator helps you make informed decisions about your fixed deposit (FD) investments. FDs have been one of the most trusted ways for Indians to save and grow their money. They offer guaranteed returns, are free from market risks, and work well for both short-term and long-term goals. But before you invest, it’s important to find out how much money you are likely to make from your investment. The HDFC Bank FD calculator shows you the interest and maturity amount you can expect.

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Maximum returns Offered by Guaranteed

6.5%**

Fixed Deposits

(by SBI bank)

(5-10 Years)

7.1%***

Public Provident Fund

(other popular options)

(15 Years)

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10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold
In-built life cover
Get Guaranteed returns upto 7.1%* With Life Cover
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Plans available only for people of Indian origin By clicking on ''View Plans'' you, agreed to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs Tax benefit is subject to changes in tax laws
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We are rated++
rating
10.5 Crore
Registered Consumer
51
Insurance Partners
5.3 Crore
Policies Sold
Disclaimer: *The Guaranteed Returns are dependent on the policy term and premium term availed along with the other variable factors. 7.1% rate of return is for an 18 years old, healthy male for a policy term of 20 years and premium term of 10 years with Rs.10,000 monthly installment premium. All plans listed here are of insurance companies’ funds.
HDFC Bank FD Calculator

Total Investment

₹500 ₹30L
Enter Total Investment

Rate of Interest (Yearly)

1% 15%
Rate of Interest (Yearly)

Time Period

1 Year 15 Years
Enter Time Period
Total Investment
Interest Earned
Maturity Amount

What is the HDFC FD Calculator

HDFC FD calculator is an online tool that helps one determine the maturity amount for a fixed deposit. It aids you in understanding how much interest you will earn during a specified tenure with the deposit amount and HDFC FD interest rates.

Policybazaar offers an easy-to-use HDFC Bank FD calculator that helps you check your FD interest rates anytime, without visiting a bank branch. It makes investment planning quick and hassle-free.

How the HDFC Bank FD Calculator Works?

Using the HDFC FD calculator is very simple. Here's how it works:

  • Enter your investment amount, which is the sum you want to deposit.

  • Choose your tenure (how long you want to keep the money deposited).

  • Enter the applicable interest rate.

  • Click ‘Calculate’, and the tool will display your maturity amount instantly.

This helps you save time and effort in manual calculations and gives you accurate results every time.

Information About
Fixed Deposits, Guaranteed Return Plans & Debt Mutual Fund
Guaranteed Return Plans, Fixed Deposits &
Debt Mutual Fund
Guaranteed Return Plans
Returns Before Tax
7.1% (TAX-FREE)
Returns After Tax
7.1%
Guaranteed Returns
Yes
Life Cover
Yes
Tax on Profit
Tax Free*
Risk
No Risk
Fixed Deposits
Returns Before Tax
7% (TAXABLE)
Returns After Tax
4.8%
Guaranteed Returns
Yes
Life Cover
No
Tax on Profit
Taxable
Risk
Low Risk
Debt Mutual Fund
Returns Before Tax
8% (TAXABLE)
Returns After Tax
5.5%
Guaranteed Returns
No
Life Cover
No
Tax on Profit
Taxable
Risk
High Risk
VIEW PLANS
*For annual premium upto ₹5 Lacs

Why Should You Use the HDFC FD Calculator?

There are several advantages to using an HDFC FD interest rates calculator:

  1. Quick Results:

    No more paper-based calculations or waiting in line at the bank.

  2. Accurate Planning:

    Know the exact amount you’ll receive on maturity.

  3. Better Comparison:

    Easily compare tenures and FD types to choose what suits you best.

  4. Tax Awareness:

    Since FDs are taxable, the calculator helps you estimate the interest earned and plan for any TDS (Tax Deducted at Source).

  5. Customised Output:

    Whether it’s a short-term deposit or a long-term reinvestment, you can calculate returns for all FD types.

fd return beater

How to Use HDFC FD Calculator?

Policybazaar provides a simple and intuitive version of the HDFC FD calculator online. Here’s how to use it:

Step 1

Enter the deposit amount.

Step 2

Choose the duration of your FD.

Step 3

Enter the interest rate (check current HDFC FD interest rates).

Step 4

Click on “Calculate” to see the maturity amount and interest earned.

The HDFC FD calculator works on the basis of the following formula
A = P × (1 + r/n) ^ nt
Terms used in HDFC FD Calculator
A
Amount of maturity
P
Principal amount
r
Rate of Interest
n
Number of compounding in a year
t
Time (in years)

Benefits of HDFC FD Calculator

Some of the benefits of using the HDFC FD interest rates calculator include:

  1. Saves Time:

    Instant results with minimal input.

  2. Accurate Calculations:

    No mistakes during the determination of maturity amounts.

  3. Financial Planning Tool:

    Guides you in making the optimum tenure and amount for your goal.

  4. Multiple FD Types:

    Payout and reinvestment FDs that work with both.

  5. Clear Maturity Date:

    Indicates the actual date of maturity of your FD.

FD interest rates India have fallen consistently over the last 12 years.
Invest in Plans that offer Guaranteed Returns for over 25 Years

Key Takeaways

The HDFC FD calculator is an easy-to-use tool to make your investment planning easier. Whether you’re a first-time investor or someone planning for retirement, using this tool helps you understand how much to invest and for how long to achieve your financial goals. With platforms offering seamless access, you can now calculate and compare your fixed deposit returns in seconds.

So, before you lock your money in a fixed deposit, make sure you use the HDFC Bank FD calculator to make the smartest choice.

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FAQs

  • What is the starting limit of opening an FD in HDFC Bank?

    You can start an FD in HDFC Bank in as little as ₹5,000.
  • Is the HDFC FD calculator right?

    Yes, the HDFC FD calculator is correct as long as the interest rate, tenure, and amount are entered correctly.
  • Can I use the HDFC FD interest rates calculator for senior citizen schemes?

    Yes, you can. The HDFC FD calculator lets you select the interest rates for Senior Citizens. It will show returns based on higher interest rates for senior citizens.
  • Does the HDFC Bank FD calculator come free?

    Yes. Policybazaar’s HDFC Bank FD calculator is a free tool that helps users make wise financial decisions about investing in fixed deposit schemes.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
* Applicable for Titanium variant of Max Life Smart Fixed-return Digital (Premium payment of 5 years, Policy term of 10 years) and a healthy male of 18 years old paying Rs. 30,000/- monthly (exclusive of all applicable taxes)
** Fixed deposit rate applicable for 5 year's 1 day to 10 years for investment amount less< 2 Crore ( Not for senior citizens).
*** PPF interest rate applicable for 15 years for investment amount upto 1.5 Lac
+ Trad plans with a premium above 5 lakhs would be taxed as per applicable tax slabs post 31st march 2023
#Discount offered by insurance company
## The Guaranteed Returns are dependent on the policy term and premium term availed along with the other variable factors. 7.1% rate of return is for an 18 years old, healthy male for a policy term of 20 years and premium term of 10 years with Rs.10,000 monthly installment premium. All plans listed here are of insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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