Financierly - Visual Finance

HDFC Bank FD Calculator

Calculate FD maturity value and compare live rates across 22 Major & Small Finance Banks.

Depositor Category
One-time principal amount deposited in FD
₹
₹5,000₹1 Cr
Auto-filled by bank selection or drag for custom rate
%
3 %12 %
Duration of your Fixed Deposit (1 to 10 years)
Yr
1 Yr10 Yr
PrincipalInterest
Principal DepositInterest Earned
Principal Deposit₹5,00,000
Total Interest (7.00% p.a.)+₹1,15,720
FD Maturity Amount1.23x Principal
₹6,15,720
Real Value (Today's Purchasing Power)₹5,16,970
Adjusted for 6%/yr inflation over 3 yrs
🏆 Highest Return Bank for Your Deposit
Unity Small Finance Bank (9.00% p.a.)
Maturity: ₹6,53,025 (+₹37,305 extra)

Compare All Banks for ₹5,00,000 (3 Years • Regular)

Sorted from highest maturity payout (#1) to lowest.

12h Auto-Synced Rates
RankBank NameCategoryRate (p.a.)Interest EarnedMaturity ValueAction
#1
Unity Small Finance Bank★ Highest Return
Small Finance Bank9.00%+₹1,53,025₹6,53,025
#2
Suryoday Small Finance Bank
Small Finance Bank8.65%+₹1,46,351₹6,46,351
#3
Utkarsh Small Finance Bank
Small Finance Bank8.50%+₹1,43,509₹6,43,509
#4
Jana Small Finance Bank
Small Finance Bank8.25%+₹1,38,799₹6,38,799
#5
ESAF Small Finance Bank
Small Finance Bank8.25%+₹1,38,799₹6,38,799
#6
Equitas Small Finance Bank
Small Finance Bank8.00%+₹1,34,121₹6,34,121
#7
Ujjivan Small Finance Bank
Small Finance Bank7.75%+₹1,29,474₹6,29,474
#8
AU Small Finance Bank
Small Finance Bank7.75%+₹1,29,474₹6,29,474
#9
RBL Bank
Private Sector7.50%+₹1,24,858₹6,24,858
#10
IDFC FIRST Bank
Private Sector7.25%+₹1,20,273₹6,20,273
#11
IndusInd Bank
Private Sector7.25%+₹1,20,273₹6,20,273
#12
Yes Bank
Private Sector7.25%+₹1,20,273₹6,20,273
#13
Bandhan Bank
Private Sector7.25%+₹1,20,273₹6,20,273
#14
Bank of Baroda
Public Sector7.15%+₹1,18,448₹6,18,448
#15
Kotak Mahindra Bank
Private Sector7.15%+₹1,18,448₹6,18,448
#16
Axis Bank
Private Sector7.10%+₹1,17,538₹6,17,538
#17
State Bank of India
Public Sector7.00%+₹1,15,720₹6,15,720
#18
Punjab National Bank
Public Sector7.00%+₹1,15,720₹6,15,720
#19
HDFC Bank
Private Sector7.00%+₹1,15,720₹6,15,720
#20
ICICI Bank
Private Sector7.00%+₹1,15,720₹6,15,720
#21
Canara Bank
Public Sector6.85%+₹1,13,002₹6,13,002
#22
Union Bank of India
Public Sector6.70%+₹1,10,296₹6,10,296
DICGC Insurance: Deposits up to ₹5,00,000 per depositor per bank in all RBI-licensed Small Finance, Private, and PSU banks are insured by the RBI's DICGC.

Explore Bank-Wise FD Calculators

Selected: HDFC Bank (1–2 Yr: 6.60% • 2–3 Yr: 7.00% • 5+ Yr: 7.00%)

State Bank of India Up to 7.00% Bank of Baroda Up to 7.15% Punjab National Bank Up to 7.00% Canara Bank Up to 6.85% Union Bank of India Up to 6.80% HDFC Bank Up to 7.25% ICICI Bank Up to 7.25% Axis Bank Up to 7.25% Kotak Mahindra Bank Up to 7.40% IDFC FIRST Bank Up to 7.75% IndusInd Bank Up to 7.75% Yes Bank Up to 7.75% RBL Bank Up to 8.00% Bandhan Bank Up to 8.05% Unity Small Finance Bank Up to 9.00% Suryoday Small Finance Bank Up to 8.65% Utkarsh Small Finance Bank Up to 8.50% Jana Small Finance Bank Up to 8.25% Equitas Small Finance Bank Up to 8.25% Ujjivan Small Finance Bank Up to 8.25% ESAF Small Finance Bank Up to 8.25% AU Small Finance Bank Up to 8.00%

How HDFC Bank FD Interest Is Calculated

Indian banks like HDFC Bank compound cumulative Fixed Deposit interest quarterly (n = 4 times per year) over your selected tenure:

A = P × (1 + r / (100 × 4))^(4 × t) | r = Annual FD Rate %, t = Years

Frequently Asked Questions

What is the current HDFC Bank FD interest rate?

HDFC Bank (HDFC) currently offers up to 7.25% p.a. for Regular depositors and up to 7.75% p.a. for Senior Citizens. Its 2–3 year FD slab earns 7.00% (Regular) and 7.50% (Senior), while 5+ year FDs earn 7.00% / 7.50%.

Is a Fixed Deposit in HDFC Bank safe under RBI rules?

Yes. HDFC Bank (Private Sector) is regulated by the RBI and covered under DICGC deposit insurance, which protects up to ₹5,00,000 (principal + interest) per depositor per bank.

How does HDFC compare to Small Finance Banks & PSU Banks?

Use the comparison table above to instantly compare HDFC Bank's maturity payout for your exact deposit amount against 21 other Public, Private, and Small Finance Banks sorted from #1 highest payout to lowest.