HDFC Bank FD Calculator 2026 — Current Interest Rates & Maturity Value
HDFC Bank currently offers FD interest rates starting from 7% p.a. for regular depositors and 7.5% for senior citizens (May 2026). A ₹5 Lakh deposit for 5 years matures to approximately ₹7.07 L (regular) or ₹7.25 L (senior). Use the calculator below to check maturity for your specific amount and tenure.
Last updated: 24 May 2026, 10:00 AM IST
Maturity Amount
₹7.07 L
at 7% for 5 years (quarterly compounding) at HDFC Bank
HDFC Bank — FD Details
Regular Rate
7% p.a.
Senior Citizen Rate
7.5% p.a.
TDS on FD Interest
TDS at 10% on annual interest exceeding ₹40,000 (₹50,000 for seniors). PAN mandatory — 20% TDS without PAN. e-TDS certificate available on NetBanking.
Premature Withdrawal
Allowed after 7 days. Penalty: 1% below the applicable rate for the tenure the FD has completed. Sweep-in FDs auto-break from the last deposit first.
Minimum Deposit
₹5,000 (regular), ₹10,000 (tax-saver)
HDFC Bank FD — Rates, TDS & Withdrawal Rules
A depositor places ₹5 Lakh in a HDFC Bank FD at 7% for 5 years with quarterly compounding. The maturity amount is ₹7.07 L, earning ₹2.07 L in interest. For a senior citizen at 7.5%, the same deposit matures to ₹7.25 L — an extra ₹17,585 benefit. HDFC Bank's minimum deposit is ₹5,000 (regular), ₹10,000 (tax-saver). On premature withdrawal: allowed after 7 days. Penalty: 1% below the applicable rate for the tenure the FD has completed. Sweep-in FDs auto-break from the last deposit first. Regarding TDS: tDS at 10% on annual interest exceeding ₹40,000 (₹50,000 for seniors). PAN mandatory — 20% TDS without PAN. e-TDS certificate available on NetBanking. Always compare rates across tenures — the highest rate may be for a specific tenure (e.g., 1–2 years) rather than the standard 5-year term.
Data Sources
- RBI — Master Direction on Interest Rates (2026) — www.rbi.org.in
- Bank Websites — Latest FD Rates (May 2026) — www.rbi.org.in
- Income Tax Act — TDS on FD Interest (2025) — incometaxindia.gov.in
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
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Frequently Asked Questions
What is HDFC Bank FD interest rate 2026?
HDFC Bank offers FD rates of 7% for regular depositors and 7.5% for senior citizens (as of May 2026). Rates vary by tenure — check the rate slab on our FD rates page.
What is the maturity of ₹5 Lakh FD in HDFC Bank?
At 7% for 5 years (quarterly compounding), ₹5 Lakh matures to approximately ₹7.07 L. Senior citizens at 7.5% get ₹7.25 L.
What is the premature withdrawal penalty at HDFC Bank?
Allowed after 7 days. Penalty: 1% below the applicable rate for the tenure the FD has completed. Sweep-in FDs auto-break from the last deposit first.
How is TDS calculated on HDFC Bank FD?
TDS at 10% on annual interest exceeding ₹40,000 (₹50,000 for seniors). PAN mandatory — 20% TDS without PAN. e-TDS certificate available on NetBanking.
What is the minimum FD amount at HDFC Bank?
The minimum FD amount at HDFC Bank is ₹5,000 (regular), ₹10,000 (tax-saver).
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Disclaimer
This calculator provides estimates based on the interest rates and tenure shown. Actual maturity may vary based on the bank's specific compounding method and any rate revisions during the tenure. Bank rates are sourced from public data and may not reflect the latest changes — always confirm with your bank before investing. TDS is deducted at source if applicable. This is not financial advice. RupayWise is not a deposit broker or financial advisor.