HDFC Bank FD KYC

What is HDFC Bank FD KYC?

The HDFC Bank FD KYC is the process through which the bank verifies a customer’s identity, address, PAN and Aadhaar e‑KYC (and video KYC if applicable) before or during the opening or renewal of a Fixed Deposit. This can be done either through a traditional branch‑based visit (filling forms and submitting physical documents) or via a digital route (Aadhaar e‑KYC followed by video KYC), ensuring you can access HDFC Bank FD interest rates and enjoy a seamless deposit experience.

How to Update HDFC Bank FD KYC? 

The following steps are to be followed to update HDFC Bank FD KYC.

For New Customers

Online Process

Step 1: Visit the HDFC Bank “Direct Deposit FD” online portal.

Step 2: Start the digital application form and provide basic details like name, mobile number, Aadhaar number for e‑KYC.

Step 3: Complete Aadhaar eKYC authentication.

Step 4: Immediately after submitting the application, click the Video KYC verification link (valid for 72 hours).

Step 5: On Video KYC call, show original PAN card, a blank white sheet with blue/black pen, allow camera & mic access.

Step 6: Fund the FD via specified modes (e.g., UPI or NEFT).

Step 7: On successful verification & funding, your FD is booked and linked with your KYC profile.

Offline Process

Step 1: Visit any HDFC Bank branch and ask for the Fixed Deposit application form and KYC form (if you do not already hold an account).

Step 2: Fill out the FD application and KYC/identity forms in block letters.

Step 3: Submit self‑attested copies of documents required by the bank.

Step 4: Provide recent passport‑size photograph.

Step 5: The bank official verifies your originals, captures your signature/thumb impression and uploads KYC into bank records.

Step 6: Once KYC is accepted, make your FD deposit either at branch or via your linked account.

Step 7: Your Fixed Deposit is activated only after KYC is complete.

For Existing Customers (Re‑KYC)

Online Process

Step 1: Login to HDFC Bank NetBanking or mobile banking.

Step 2: Navigate to Services → Re‑KYC/Update KYC (under profile or customer servicing).

Step 3: Confirm existing information (name, address, mobile) and note if changes are needed.

Step 4: If no change in details, you may submit self‑declaration; if changed, upload updated proofs.

Step 5: For Aadhaar e‑KYC – ensure your Aadhaar‑linked mobile number is active.

Step 6: Submit the updated form and get acknowledgement; bank updates the KYC records, typically within T+2 days.

Step 7: Once Re‑KYC is accepted, your FD and other services remain uninterrupted.

Offline Process

Step 1: Visit your home branch of HDFC Bank with updated identity/address proofs.

Step 2: Get the Re‑KYC form or Customer Information Updation form from branch.

Step 3: Fill out the form in block letters, attach self‑attested copies of changed proofs (PAN/Aadhaar/address).

Step 4: Submit originals for verification by branch official.

Step 5: For no change scenario, you may submit only a Self‑declaration form.

Step 6: Bank updates your KYC in their system and links it with your existing FD accounts.

Step 7: You continue to receive benefits like competitive FD interest rates and renewal offers without interruption.

Eligibility for HDFC Bank FD KYC

The following individuals and groups are eligible for HDFC Bank FD KYC:

• Residents
• Hindu undivided families
• Sole proprietorship firms
• Partnership firms
• Limited companies
• Trust accounts

Documents Required for HDFC Bank FD KYC

Below are the documents required for HDFC Bank FD KYC:

For New Customers

• Identity Proof: PAN card (original for Video KYC)
• Aadhaar card for e‑KYC authentication.
• Recent passport‑size photograph.
• For branch route: Proofs like Passport, Driving Licence, Voter ID etc.

For Existing Customers (Re‑KYC)

• Aadhaar number linked mobile number.
• Updated address proof / identity proof if changed.
• Self‐declaration form (if no change in details).

Benefits of HDFC Bank FD KYC

The benefits of HDFC Bank FD KYC are:

• Enables you to access the best HDFC Bank FD interest rates with no delay.
• Ensures your FD account remains active, avoiding freeze or restrictions.
• Facilitates quick online FD creation and management (especially digital route).
• Strengthens security by keeping your identity and details current with bank records.
• Simplifies renewals, maturity payments and access to digital banking features seamlessly.

Conclusion

Completing your HDFC Bank FD KYC is a critical step that ensures your Fixed Deposit is properly recognised, linked and compliant with regulatory norms. Whether you’re a new applicant applying via the digital “Direct Deposit FD” route or an existing customer needing Re‑KYC, the process lets you enjoy uninterrupted access to your FD, benefit from the competitive FD interest rates and avoid obstructions in renewal or payouts. Keeping your KYC updated is thus essential from both a regulatory and customer‑service perspective.