HDFC Bank hikes interest rates on FDs

HDFC Bank FD Interest Changed The country’s largest private bank HDFC has brought good news for the customers. Let us tell you that the bank has increased the interest rates on fixed deposits. This hike has started from 1st December. HDFC Bank offers every customer the facility of making fixed deposits ranging from 7 days to 10 years.

HDFC Bank FD Interest Changed

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HDFC Bank also offers higher interest rates on FDs to senior citizens. You can take FD both online and offline. Let us tell you that if a customer takes an FD online, then the bank has given him 0.10% more interest. Whereas the bank gives 0.25% interest to senior citizens. The bank offers 6.05% interest on FD of 36 months and 6.4% for 60 months.

HDFC Bank FD Interest Changed: Know HDFC Bank Interest Rates

  • Bank 2.50 percent interest on 7-14 day FD plan
  • Bank 2.50 percent interest on FD plan of 15-30 days
  • Bank 3.00 percent interest on FD plan of 30-45 days
  • Bank 3.00 percent interest on FD plan of 46-60 days
  • Bank 3.00 percent interest on FD plan of 61-90 days
  • Bank 3.50 percent interest on 91 days – 6 months FD scheme
  • Bank 4.40 percent interest on FD plan of 6 months 1 day to 9 months
  • Bank 4.40 percent interest on FD plan of 9 months 1 day to 1 year
  • Bank 4.90 percent interest on 1 year FD plan
  • Bank 5.00 percent interest on 1 year 1 day to 2 year FD plan
  • Bank 5.15 percent interest on FD plan from 2 years 1 day to 3 years
  • Bank 5.35 percent interest on FD plan from 3 years 1 day to 5 years
  • Bank 5.50 percent interest on FD plan from 5 years 1 day to 10 years

HDFC Bank FD Interest Changed: Types of HDFC Fixed Deposits and Their Features

regular fixed deposit

  • You can invest easily and these have high flexibility and security.
  • Senior citizens get higher interest rates.
  • You can open the deposit through NetBanking and choose to pay monthly or quarterly.

HDFC Bank Surecover FD

  • Your minimum deposit amount is Rs 2 lakh
  • Maximum amount of deposit Rs.10 lakh
  • Tenure ranges from 1 year to 10 years
  • Interest rates are same as regular fixed deposit
  • You can choose to pay monthly or quarterly interest

Five Year Tax Saving Fixed Deposit

The minimum deposit amount is Rs.100 and multiples of Rs.100. The maximum deposit amount in a financial year is Rs 1.5 lakh. The tenure has a lock-in period of 5 years. If you have a joint deposit, then the tax benefit under section 80C will be available to the first holder. TDS will be deducted if the interest payable or reinvested in a financial year exceeds Rs 40,000 (Rs 50,000 for senior citizens). TDS certificate will be mailed to you after the end of each quarter during the financial year providing the details of TDS deducted during the quarter.

FCNR Deposit

You can open a Fixed Deposit in any of these foreign currencies – US Dollar, Pound Sterling, Euro, Japanese Yen, Australian Dollar, Canadian Dollar! You get tax exemption on the deposit amount. You can open deposits jointly with NRIs. Take advantage of the enrollment facility!

Overdraft on Fixed Deposit

You can avail an overdraft of up to 90% on your HDFC Fixed Deposit (HDFC Bank FD Interest Changed). The minimum deposit amount for availing Overdraft against FD/Super Saver facility is Rs.25,000 for a minimum tenure of 6 months 1 day. You can get overdraft against FD/Super Saver facility on deposits in the same name through NetBanking!

non-withdrawable deposit

  • Premature or partial withdrawal of fixed deposits is not allowed
  • You can opt for quarterly or monthly interest payment

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