HDFC Bank Special FD: Earn ₹1,21,307 in 35 Months — Full Calculation & Benefits

For many people, a safe investment fixed deposit is still the most trusted way to grow money. While the stock market and mutual funds have become more popular in recent years, fixed deposits continue to offer something unmatched — guaranteed returns and complete safety of your hard-earned money. Keeping this in mind, HDFC Bank has introduced a new HDFC Bank special FD scheme with strong returns and flexible terms.

One of the most attractive options is the 35-month fixed deposit, where general customers are offered 7.35% interest, while senior citizens enjoy a higher rate of 7.85%. With a tenure of 2 years and 11 months, this FD is designed for investors looking for a short-to-medium-term secure return.

So how much do you earn if you invest ₹1 lakh in this 35-month fixed deposit returns scheme?
The calculation shows that at 7.35%, an investor earns ₹21,307 over 35 months. That means the total amount at maturity becomes ₹1,21,307, including the principal and interest.

Return for Senior Citizens (35-Month FD)

Senior citizens always receive higher rates under HDFC Bank's special schemes. In this senior citizen FD interest rate slab, an investment of ₹1 lakh grows faster. At 7.85% interest, a senior citizen earns ₹22,748 in 35 months. So the total maturity amount becomes ₹1,22,748, making this FD a solid, secure option for retirees.

Return in the 55-Month Special FD

For those willing to invest for a longer period, HDFC Bank also offers a 55-month HDFC FD special scheme. Here, general customers receive 7.40% interest, and senior citizens earn 7.90% interest.

If a general customer invests ₹5,50,000, the interest earned at 7.40% is ₹2,19,777.
This brings the total maturity amount to ₹7,69,577.

Senior citizens again get a better deal. At 7.90% interest, they earn ₹2,37,074 on the same ₹5,50,000 investment.
Their total maturity amount comes to ₹7,87,074, making this FD highly rewarding for long-term senior investors.

Short-Term or Long-Term — Which FD Should You Choose?

Whether you choose the 35-month option or the 55-month plan depends on your financial goals. Investors who want quicker returns can choose the 35-month special FD, while those planning for the long haul can opt for the 55-month fixed deposit for higher maturity benefits. In both cases, interest is deposited regularly into your bank account, and you receive the full amount — principal plus interest — at maturity.

With guaranteed returns and stable interest rates, these HDFC Bank special FD schemes offer secure and reliable options for every type of investor.