HSBC Bank Fixed Deposit Calculator
The HSBC Bank Fixed Deposit Calculator is a free, online tool that helps you estimate the maturity amount and interest earnings on your fixed deposit investment with HSBC. By simply entering key details like the deposit amount, tenure, and interest rate, the calculator instantly shows you the total amount you’ll receive at the end of the term.
This tool is especially useful for planning your savings, comparing tenures, and making informed financial decisions—without the need for manual calculations.
Benefits of the HSBC Bank Fixed Deposit Calculator
- Quick & Easy Calculation - The calculator provides instant results, saving you time and effort compared to manual calculations.
- Accurate Estimates - It uses the latest interest rates and compounding methods to give you precise projections for your Fixed Deposit maturity amount.
- Helps in Financial Planning - You can experiment with different deposit amounts and tenures to see how changes affect your returns, aiding in better financial decision-making.
- No Cost Involved - The calculator is available online free of charge, making it a cost-effective tool for anyone considering investing in a fixed deposit.
- Simple to Use - It requires minimal input—just your principal, tenure, and interest rate—to generate detailed results, making it user-friendly even for beginners.
- Flexible Options - You can compare different tenures and interest rates to find the best option for your savings goals.
- Accessible Anywhere - As an online tool, the calculator is available anytime, from anywhere, allowing you to plan your finances at your convenience.
Features & Benefits of HSBC Bank Fixed Deposit
- Open an FD online easily with a minimum deposit of just Rs 10,000.
- Earn competitive interest rates, with special rates available for select tenures (contact your Customer Service Officer for details).
- Choose from a wide range of tenures to suit your financial goals.
- Add a nominee quickly through Internet Banking or by submitting a nomination form at your nearest HSBC India branch.
To effectively use the Wishfin HSBC Bank Fixed Deposit Calculator, follow these straightforward steps:
How to Use Wishfin HSBC Bank Fixed Deposit Calculator?
Here is the Step-by-Step Guide on how to use the Wishfin HSBC Bank FD Calculator -
- Access the Calculator - Navigate to the Wishfin HSBC FD Calculator.
- Enter the Deposit Amount - Input the principal amount you wish to invest. The calculator accommodates amounts ranging from Rs 500 to Rs 1 crore.
- Specify the Interest Rate - Provide the applicable annual interest rate, which can vary between 1.0% and 15.0%.
- Set the Tenure - Choose the duration of your fixed deposit. You can specify the tenure in days, months, or years, depending on your investment plan.
- View the Results - Upon entering the above details, the calculator will display:
-
- Interest Amount: The total interest you will earn over the investment period.
- Total Investment: The initial amount you have invested.
- Estimated Returns: The interest amount you will earn.
- Total Amount: The sum of your principal and the interest earned at maturity.
Formula for Calculating the HSBC Bank Fixed Deposit
HSBC Bank typically compounds interest quarterly on Fixed Deposits. The standard formula used to calculate the maturity amount is:
Maturity Amount=P×(1+n×100R)n×T
Where:
- A = Maturity Amount
- P = Principal or Deposit Amount
- r = Yearly interest rate expressed as a decimal (for example, 6% becomes 0.06)
- n = Number of compounding periods per year (for quarterly compounding, n = 4)
- t = Tenure of the deposit (in years)
HSBC Fixed Deposit Interest Rates (Below Rs 30 Lakhs)
Here are the HSBC Bank Fixed Deposit interest rates for 2025 (Rates in % per annum)
| Tenure | Regular Rate | Senior Citizen Rate |
|---|---|---|
|
7 – 8 Days |
2.50% |
3.00% |
|
9 – 14 Days |
2.65% |
3.15% |
|
15 – 29 Days |
2.75% |
3.25% |
|
30 – 59 Days |
3.10% |
3.60% |
|
60 – 89 Days |
3.25% |
3.75% |
|
90 – 93 Days |
3.40% |
3.90% |
|
94 Days |
3.50% |
4.00% |
|
95 – 179 Days |
3.60% |
4.10% |
|
180 Days |
4.10% |
4.60% |
|
181 – 269 Days |
3.25% |
3.75% |
|
270 – 364 Days |
3.70% |
4.20% |
|
365 – 399 Days |
4.00% |
4.50% |
|
400 Days |
3.25% |
3.75% |
|
401 Days – < 18 Months |
6.25% |
6.75% |
|
18 Months – 599 Days |
4.10% |
4.60% |
|
600 Days |
3.75% |
4.25% |
|
601 – 699 Days |
7.00% |
7.50% |
|
700 Days |
3.75% |
4.25% |
|
701 – 730 Days |
4.25% |
4.75% |
|
731 Days |
4.25% |
4.75% |
|
732 Days – < 36 Months |
6.00% |
6.50% |
|
36 – < 37 Months |
6.00% |
6.50% |
|
37 – < 48 Months |
6.00% |
6.50% |
|
48 – 60 Months |
6.00% |
6.50% |
Frequently Asked Questions (FAQs)
