HDFC FD Calculator

Last Updated 18th Jan 2017

FD Calculator HDFC – Know your maturity amount?

  • HDFC, a leading HFC in India offers attractive interest rates upto 7.65% on its fixed deposits.
  • FD maturity amount that you will get depends upon
    • Deposit amount
    • Rate of interest
    • FD tenure
    • Compounding frequency
    • TDS applicability and TDS rate
Deposit Amount
Rate of Interest %
Period of Deposit
Interest Compounding Frequency
HDFC
FD Interest Rates
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HDFC Fixed Deposit calculator – FD Options

  • In a periodic interest payout option, HDFC would transfer the interest earned at each interval (say, quarterly) to your bank account. The interest would remain the same across the life of the deposit. On maturity, unless the deposit is renewed, would transfer the principal amount to your bank account.
  • In case you opt for a HDFC cumulative deposit, on maturity you would get a credit for the principal and interest earned net of TDS.
  • Calculate the FD maturity amount using the FD calculator.

Fixed Deposit calculator HDFC – Will TDS be deducted?

  • In case the interest earned by you across all your fixed deposits across all branches of HDFC in a year exceeds 0, the bank must deduct TDS at 10.3%. In case your IT PAN is not updated in the HDFC records, it must deduct twice the TDS at 20.6%. So, do remember to update your PAN on your FD.
  • Sorry, but we aren’t done with tax yet. This was only the TDS. Now, you would need to add the interest income on all your HDFC FD’s and other FD’s to your taxable income for the year. Based upon your tax bracket, income tax is payable on this income. Remember that you must estimate the interest income and all your other incomes and, based on this, pay advance tax on advance tax payment dates (15th Sep, 15th Dec, 15th March and 31st March).
  • HDFC will also issue you a Form 16A giving details of tax deducted on FD interest and tax deposited by it with government treasury. The TDS amount deposited by the bank with Income Tax Department can be verified in your 26AS statement available online on IT department website or through your net banking account. You can claim credit for the TDS amount in your annual Income Tax Return.

HDFC FD interest rate calculator – Check your city

  • Keep your KYC documents - PAN card, address proof and photo ready.
  • To know more or apply, contact any of the branches of HDFC in your city

  • FD Calculator of all banks in India

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News - Jan 2017
20th Jan 17 HDFC Limited reduces retail prime lending rate (RPLR) by 15 basis points for existing home loan borrowers
HDFC Limited has reduced its retail prime lending rate (RPLR) by 15 basis points for existing home loan borrowers. The revised PLR now stands at 16.15 percent as compared to 16.30 percent earlier. Home loan rates are calculated by reducing the spread form PLR.
19th Jan 17 HDFC Limited with Duville Estate launches a subvention scheme for new homebuyers in Pune
HDFC Limited in association with Duville Estate Estate has launched a subvention scheme for their new home buyers in its new project Riverdale Heights in Pune. Under the scheme, buyers can make an initial down payment of less amount of Rs. 51, 000 in addition of statutory payments such as service tax, VAT and stamp duty.
04th Jan 17 HDFC Ltd cuts home loan rates by 0.45 percent
HDFC Limited has reduced its home loan rates by 0.45 percent for new home loan buyers. The new home loan rate for female borrowers is reduced to 8.65 percent for loan amount up to Rs. 75 lakhs as compared to 9.10 percent earlier. Similarly, home loan rates for other borrowers up to loan amount Rs. 75 lakhs now stands at 8.7 percent. The rates are effective from 4th January, 2017.
04th Jan 17 HDFC Ltd reduces interest rate for loan against property by 0.45 percent
HDFC Limited has reduced its rate of interest for loan against property by 0.45 percent. The revised lending rate for residential property now stands at 10.15 percent as compared to 10.60 percent earlier. Similarly, rate for commercial property is reduced to 10.65 percent. The rates are effective from 4th January, 2017.
05th Nov 16 HDFC reduces home loan rates to 9.15 percent
HDFC home loan rates have been reduced by 0.15 percent for new customers. The rates are now 9.15 percent for female borrowers and 9.20% for male borrowers. The new home loan rates will be effective from 4th November, 2016. The floating rate loans would be benchmarked to HDFC PLR which is currently 16.30%.
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