HDFC Bank FD Scheme 2025

What Is the HDFC FD Scheme?

HDFC Bank’s Fixed Deposit scheme enables customers to deposit a lump sum in a deposit account and attract interest for a selected fixed term. The prevailing interest rates received on such deposits range from 3.00% – 7.05 % annually, and the rate received on each is dependent on the time and classification of deposits. At HDFC Bank, you can have many options for tenures ranging from 7 days to 10 years.

These deposit options are good for individuals seeking a smooth, safe return on their money. In addition to this, seniors are guaranteed a 0.50% interest rate increase from the rates provided by the bank.

Types of HDFC Bank FD Schemes

HDFC Bank provides multiple types of term deposit schemes to meet different investment goals:

1. Regular Fixed Deposit

   • Interest rates: 3.00% – 7.05% p.a.

   • Senior citizens get an extra 0.50% p.a.

   • Tenure: 7 days to 10 years

   • Nomination and premature withdrawal options are available

2. Overdraft Against Fixed Deposit

   • Link your savings/current account to your FD

   • Borrow funds up to 90% of your FD amount

   • Interest is 2% above the applicable HDFC FD rates

   • Minimum deposit to avail the facility: ₹25,000

3. FCNR Fixed Deposit

   • Deposit held in six major foreign currencies

   • Fully repatriable principal and interest

   • Tax-free in India

   • Overdraft facility against an FCNR Account with Super Saver option

4. 5-Year Tax Saving Fixed Deposit

   • Lock-in period for Tax Saving FDs: 5 years

   • Investment limit: ₹100 to ₹1.5 lakh

   • Tax benefits under Section 80C of the Income Tax Act

   • Interest options: Monthly or quarterly

Key Features of the HDFC Bank FD Scheme

• Tenure flexibility (7 days to 10 years)

• Attractive and competitive interest rates

• Safe and secure investment

• Online and offline opening facility

• TDS is applicable unless Form 15G/15H is submitted

• Premature withdrawal allowed (with some conditions)

• Nomination facility available for all accounts

How to Open an HDFC Bank FD Account?

You can open an HDFC Bank FD scheme through either of the following methods:

1. Online Method:

   • Log in to your HDFC NetBanking account.

   • Click on the ‘Transact’ section.

   • Select ‘Open Fixed Deposit’.

   • Fill in details such as amount, tenure, nominee, and branch.

   • Click on ‘Continue’ and then ‘Confirm’ to complete the process.

2. Offline Method:

   Visit your nearest HDFC branch with the required documents. A bank representative will help you fill out the form and guide you through the process.

Eligibility Criteria

To open an FD under the HDFC FD scheme, the following entities are eligible:

• Indian residents

• Hindu Undivided Families (HUFs)

• Sole proprietorships

• Partnership firms

• Trusts

• Limited companies

Documents Required

• Valid identity and address proof (Aadhaar, Passport, etc.)

• PAN card

• Form 15G/15h (for TDS exemption, if applicable)

• Recent passport-size photograph

Key Takeaway

Whether on the conservative side when it comes to savings or with a rather long-term perspective, the HDFC Bank FD scheme offers you a secure and solid foundation from which to develop your funds. Due to its diversified FD offers, good returns, and easy account management, it is popular with investors in almost all parts of India.

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