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HDFC Bank FD: How Much Return Will You Get on ₹2 Lakh? Check Returns by Tenure

Indiaemploymentnews January 19, 2026 05:39 PM

If you want to invest your money safely, HDFC Bank Fixed Deposits (FDs) are one of the most reliable options in India. HDFC Bank offers a variety of FDs with different tenures and interest rates, making it easier for investors to choose according to their financial goals. Let’s take a closer look at how much return you can earn by investing ₹2 lakh in HDFC Bank FD, based on different tenure options.

HDFC Bank FD Interest Rates

HDFC Bank provides interest rates for fixed deposits depending on the tenure:

1 year – 6.25%
2 years – 6.45%
3 years – 6.45%
4 years – 6.40%
5 years – 6.40%

Interest rates may vary from time to time, so it is advisable to check the latest rates on the HDFC Bank website or at the branch before investing.

Returns on ₹2 Lakh FD Investment

Here’s a breakdown of the maturity amount and profit you can earn by investing ₹2 lakh:

1. 1-Year FD

Interest Rate: 6.25%
Maturity Amount: ₹2,12,796
Profit: ₹12,796

2. 2-Year FD

Interest Rate: 6.45%
Maturity Amount: ₹2,27,304
Profit: ₹27,304

3. 3-Year FD

Interest Rate: 6.45%
Maturity Amount: ₹2,42,000
Profit: ₹42,000

4. 4-Year FD

Interest Rate: 6.40%
Maturity Amount: ₹2,57,000
Profit: ₹57,000

5. 5-Year FD

Interest Rate: 6.40%
Maturity Amount: ₹2,74,000
Profit: ₹74,000

Benefits of Investing in FD

Safe Investment – Bank FDs are low-risk instruments as your principal is secure, unlike market-linked investments.

Guaranteed Returns – You get a fixed amount on maturity, helping you plan your finances better.

Higher Returns for Longer Tenures – The longer you invest, the higher the returns.

Tax Benefits – Certain tax-saving FDs (5-year tenure) offer deductions under Section 80C.

Important Things to Consider Before Investing

Tenure Selection: If your goal is higher returns, consider a longer tenure FD.
Emergency Fund: Avoid using your emergency savings for FD. Premature withdrawal may involve penalties.
Compare Rates: Check interest rates across different banks to maximize your returns.
Compounding Frequency: Most FDs compound quarterly, which increases your overall maturity amount.

Conclusion

Investing ₹2 lakh in HDFC Bank FD can give you:

Around ₹12,796 profit in 1 year, and
Around ₹74,000 profit in 5 years

Your returns depend on the tenure and interest rate. A longer tenure generally results in higher earnings due to compounding. FDs are an ideal option for conservative investors looking for safe and predictable returns.

If you want, I can also create a detailed 700+ word SEO-friendly guide including compounding effect, tax implications, and comparison with other banks’ FDs for maximum reader engagement.