HDFC Bank Fixed Deposit
Compare active rates, calculate returns with quarterly compounding, and book your HDFC Bank deposit online instantly.
See exactly what you'll earn
How much is your idle cash losing?
Upload your bank statement. Naxelona finds the cash sitting idle in your savings account and shows exactly how much extra you would earn by moving it into this 7% FD.
Built for idle capital
Peak 7.00% p.a.
The highest rate on HDFC Bank's tenure curve — a sweet spot before rates taper.
CRISIL AAA Rated
Highest safety grade; principal and interest are highly secure with stable outlook.
Quarterly Compounding
Interest compounds every quarter, so your effective yield beats the headline rate.
DICGC Insured
Deposits up to ₹5,00,000 per bank are fully insured by RBI's deposit insurance subsidiary.
Tenure rate ladder
| Tenure | General Rate | Senior Citizen Rate |
|---|---|---|
| 6 months | 5.75% | 6.25% |
| 12 months | 6.50% | 7.00% |
| 36 months | 6.75% | 7.25% |
| 60 months | 6.60% | 7.10% |
| 63 months Peak tenure | 7.00% | 7.50% |
| 120 months | 6.50% | 7.00% |
Fixed deposit FAQs
Maturity, liquidity & tax
What happens at maturity?
Choose now so your money does exactly what you intend on the maturity date. The default is auto-renew — change it here if you'd rather be paid out.
You can change this instruction anytime before maturity from your dashboard.
Need it early? No lock-in
Break this deposit whenever you need the cash. You earn interest for the period actually held, less a modest ~1% penalty on the applicable rate — your principal is never frozen.
- Partial withdrawals allowed — keep the rest earning
- No penalty on maturity or on auto-renewed deposits
- Proceeds credited to your linked account, usually same day
Tax on your interest
FD interest is taxable at your income-tax slab. HDFC Bank deducts TDS at 10% once your interest crosses ₹40,000 a year — ₹50,000 for senior citizens.
- Submit Form 15G/15H if your income is below the taxable limit to avoid TDS
- Senior citizens can claim up to ₹50,000 interest deduction u/s 80TTB
- No PAN on file → TDS is deducted at 20%
Indicative for FY 2026-27 — not tax advice. Your actual liability depends on your total income.
No booking fee · DICGC-insured up to ₹5,00,000 · 2-minute booking