Green Deposits Overview

Safeguarding our environment from climate change is the need of the hour. To play our part in combating climate change, HDFC has introduced, Green & Sustainable Deposits, a product that supports United Nations' Sustainable Development Goals (SDGs). Green and Sustainable Deposits will help enhance HDFC's participation in projects directly supporting United Nations' SDGs and empower our depositors to opt for financial products that have a positive impact on the environment, and the society at large.

Interest Rates for Individuals

ROI revision w.e.f. March 1, 2023

SPECIAL DEPOSITS (Fixed Rates Only) Deposits upto ₹2 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
33 Months 7.20% 7.25% 7.30% 7.45% 7.45%
66 Months 7.30% 7.35% 7.40% 7.55% 7.55%

ROI revision w.e.f. March 1, 2023

PREMIUM DEPOSITS (Fixed Rates Only) Deposits upto ₹2 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
22 Months 7.15% 7.20% 7.25% 7.40% 7.40%
44 Months 7.15% 7.20% 7.25% 7.40% 7.40%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits upto ₹2 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.00% 7.05% 7.10% 7.25% 7.25%
36-60 Months 7.05% 7.10% 7.15% 7.30% 7.30%
61-120 Months 6.95% 7.00% 7.05% 7.20% 7.20%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits exceeding ₹2 Crore upto ₹10 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.15% 7.20% 7.25% 7.40% 7.40%
36-60 Months 7.10% 7.15% 7.20% 7.35% 7.35%
61-120 Months 6.95% 7.00% 7.05% 7.20% 7.20%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits exceeding ₹10 Crore & below ₹25 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.25% 7.30% 7.35% 7.50% 7.50%
36-60 Months 7.15% 7.20% 7.25% 7.40% 7.40%
61-120 Months 7.00% 7.05% 7.10% 7.25% 7.25%

ROI revision w.e.f. March 23, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits ₹25 Crore & above

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-60 Months 7.52% 7.57% 7.62% 7.77% 7.77%
61-120 Months 7.15% 7.20% 7.25% 7.40% 7.40%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits exceeding ₹50 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.25% 7.30% 7.35% 7.50% 7.50%
36-60 Months 7.15% 7.20% 7.25% 7.40% 7.40%
61-120 Months 7.15% 7.20% 7.25% 7.40% 7.40%

ROI revision w.e.f. March 1, 2023

SPECIAL DEPOSITS (Fixed Rates Only) Deposits upto ₹2 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
33 Months 7.20% 7.25% 7.30% 7.45% 7.45%

ROI revision w.e.f. March 1, 2023

PREMIUM DEPOSITS (Fixed Rates Only) Deposits upto ₹2 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yrly Annual Cum.Int.
22 Months 7.15% 7.20% 7.25% 7.40% 7.40%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits upto ₹2 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.00% 7.05% 7.10% 7.25% 7.25%
36 Months 7.05% 7.10% 7.15% 7.30% 7.30%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits exceeding ₹2 Crore upto ₹10 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.15% 7.20% 7.25% 7.40% 7.40%
36 Months 7.10% 7.15% 7.20% 7.35% 7.35%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits exceeding ₹10 Crore & below ₹25 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yearly Annual Cum.Int.
24-35 Months 7.25% 7.30% 7.35% 7.50% 7.50%
36 Months 7.15% 7.20% 7.25% 7.40% 7.40%

ROI revision w.e.f. March 23, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits ₹25 Crore & above

PERIOD OF DEPOSIT Monthly Quarterly Half-Yrly Annual Cum.Int.
24-36 Months 7.52% 7.57% 7.62% 7.77% 7.77%

ROI revision w.e.f. March 1, 2023

REGULAR DEPOSITS (Fixed Rates Only) Deposits exceeding ₹50 Crore

PERIOD OF DEPOSIT Monthly Quarterly Half-Yrly Annual Cum.Int.
24-35 Months 7.25% 7.30% 7.35% 7.50% 7.50%
36 Months 7.15% 7.20% 7.25% 7.40% 7.40%
  • a) Senior Citizens (60 years+) will be eligible for an additional 0.25% p.a. on deposits upto ₹2 Crore.
  • b) Additional ROI of 0.05% p.a. will be applicable on Individual deposits placed/renewed through our Online system and auto-renewed deposits.
  • c) For cumulative option, interest is compounded annually.

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Investments For All

Are you a Non-Resident Indian?
No
Yes

Deposits Overview

For over three and a half decades, HDFC has delivered consistent performance with its Fixed Deposits. We have earned the trust of more than 6 lac depositors.

HDFC has received AAA ratings for its deposits programme from two leading credit rating agencies (CRISIL and ICRA) for 28 consecutive years, thus building utmost trust and confidence amongst investors and key partners.

Enhanced customer satisfaction has always been at the core of all HDFC product offerings. HDFC Depositors are serviced through its 420 inter-connected offices spread across India with instant services provided at 77 deposit centers. HDFC has set high benchmarks of service delivery on a continuous basis by providing electronic payment facility for interest payment, instant loan against deposit and many more.

Salient Features

  • Highest safety - AAA rating from both CRISIL and ICRA for 28 consecutive years.
  • Attractive and assured returns.
  • Impeccable service through a network of over 420 offices across the country.
  • A wide range of deposits products to choose from.
  • Prompt doorstep assistance through our key partner network.
  • Quick Loan Against Deposit facility.
safety

If you are a resident of India, you can choose from a wide range of deposit products with maturities ranging from 12 to 120 months at competitive rates of interest and with different features to suit the investment needs of individuals.Senior citizens who are 60 years of age or older are offered an additional 0.25% p.a. on all deposit products.

HDFC Trust Deposits is a specified investment under Section 11(5) (ix) of the Income Tax Act, 1961. Trusts and other institutions can invest in any of our deposit plans, depending on their cash-flow needs.

If you are a Non-Resident Indian or Person of Indian Origin residing outside India and holding a PIO card, HDFC accepts your deposits in accordance with the regulations governing the acceptance of deposits from NRIs. You can choose from a wide range of deposit products with maturities ranging from 12 to 36 months at competitive rates of interest and with different features to suit investment needs of individuals. Senior citizens who are 60 years or older are offered an additional interest of 0.25% p.a. on all deposit products.    

  • Monthly Income Plan

  • Non-Cumulative Interest Plan

  • Annual Income Plan

  • Cumulative Options

  • Provides you with regular monthly income.
  • Monthly interest is directly credited to your bank account through ECS.
  • Ideal for retired people, housewives and senior citizens
  • Provides you with regular monthly income.
  • Monthly interest is directly credited to your bank account through ECS.
  • Ideal for planning the trust's regular monthly expenses.
  • Provides you with regular periodic interest income, either on a quarterly or a half-yearly basis.
  • Interest will be directly credited to your bank account through ECS.
  • Ideal to plan the fund requirements at the end of each quarter/half-year.
  • Provides you with regular periodic interest income, either on a quarterly or a half-yearly basis.
  • Ideal to plan the fund requirements at the end of each quarter/half-year.
  • Interest will be directly credited to your bank account through ECS.
  • Provides you with regular yearly interest income.
  • Interest will be directly credited to your bank account through ECS.
  • Ideal option to maximize returns and plan for annual cash outflows.
  • Provides you with regular yearly interest income.
  • Ideal option to maximize returns and plan for annual cash outflows.
  • Interest will be directly credited to your bank account through ECS.
  • Provides you with a lump sum at the end of the deposit tenure.
  • Ideal option to accumulate funds for future requirements and maximize returns.
  • Ideal for parents planning for their child’s higher education/marriage.
  • Provides you with a lump sum at the end of the deposit tenure.
  • Ideal option to accumulate funds for future requirements and maximize returns.
View Interest rates

Features

You can take a Loan Against Deposit after three months from the date of deposit and up to 75% of the deposit amount, subject to the other terms and conditions framed by HDFC. Interest on such loans will be 2% above the deposit rate.

Interest on your deposits will be credited directly to your account through National Automated Clearing House.

You will be paid Interest on the deposit from the date of realisation of the cheque or RTGS transfer to HDFC's bank account. Interest on deposits placed under Monthly Income Plan, Non-Cumulative Option and Annual Income Plan shall be paid on fixed dates as given below:

 

Deposits Plan Fixed Dates
Monthly Income Plan (MIP) The last day of every month
Non-Cumulative : Quarterly Option June 30, September 30, December 31 & March 31
Non-Cumulative : Half-Yearly Option September 30 and March 31
Annual Income Plan (AIP) March 31

 

Cumulative Interest Option: Interest will be compounded annually on 31st March of every year after deducting the tax, wherever applicable. The principal along with the interest will be paid on maturity once the discharged deposit receipt is received by us. Interest amount (net of TDS - where applicable) will be paid through NACH at all centres where this facility is available. Where this facility is not available, interest cheque will be paid through Account Payee cheque drawn in favour of the first - named depositor along with his bank account details furnished.

No tax deduction at source on interest paid/credited upto Rs.5,000/- in a financial year. Income tax will be deducted at source under Section 194A of the Income Tax Act, 1961, at the rates in force. If the depositor is not liable to pay income tax and the interest to be paid/credited in a financial year does not exceed the maximum amount which is not chargeable to income tax, the depositor may submit a declaration in Form No. 15G so that income tax is not deducted at source. In such cases, PAN (Permanent Account Number) must be quoted in Form 15G, else the form is invalid. Senior Citizens (60 years and above) may submit a declaration in Form No. 15H. Section 139A(5A) of the Income-tax Act, 1961 requires every person receiving any sum or income from which tax has been deducted to intimate his PAN to the person esponsible for deducting such tax. Further, 139A(5B) requires the person deducting such tax to indicate the PAN on the TDS certificate. In case PAN is not mentioned, the rate of TDS would be 20% as per section 206AA(1) of the Income-Tax Act, 1961.

Your request for premature withdrawal may be granted at the sole discretion of HDFC and cannot be claimed as a matter of right, subject to the Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 as applicable from time to time.

 

Premature withdrawal will not be allowed before completion of three months from the date of deposit. In case of request for premature withdrawal after the expiry of three months, the rates given in the following table shall apply.
 

Months completed from the date deposit  Rate of Interest Payable
After 3 months but before 6 months The interest payable shall be 3% per annum for individual depositor, and no interest in case of other category of depositors
After 6 months but before the date of maturity The interest payable shall be one percent lower than the interest rate applicable to a public deposit for the period for which the deposit has run or if no rate has been specified for that period, then two percent lower than the minimum rate at which the public deposits are accepted by HDFC.

For renewal or repayment of deposit, the discharged deposit receipt must be surrendered to HDFC. In case of renewal of deposit, the prescribed application form signed by all depositors is also required to be submitted. If the date of maturity falls on any day on which HDFC’s office remains closed, repayment will be made on the next working day. Repayment amount is remitted to depositor’s bank account directly through NEFT/RTGS/FT or paid through account payee cheque favouring the first depositor.

Only individual depositor/s, singly or jointly, can nominate a single person under this facility. In case the deposit is placed in the name of a minor, the nomination can be made only by a person lawfully entitled to act on behalf of the minor. Power of Attorney holder or any person acting in representative capacity as holder of an office or otherwise cannot nominate. The nominee shall have the right to receive the amount due in respect of the deposit and payment by HDFC to the nominee shall constitute full discharge to HDFC of its liability in respect of the deposit. Nominee's name will be printed on the Fixed Deposit receipt, unless mentioned otherwise.

In terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYC Guidelines issued by the Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 you are required to comply with the KYC requirements by submitting the following documents:
 

  • The latest photograph
  • A certified copy of the proof of identity
  • A certified copy of the proof of address
     

In case you have already submitted the above documents in an earlier deposit, then you need not submit the above documents again, but must provide the reference of your customer number or deposit number. 

Features

Interest on your deposits will be credited directly to your account through National Automated Clearing House.

You will be paid Interest on the deposit from the date of realisation of the cheque or RTGS transfer to HDFC's bank account. Interest on deposits placed under Monthly Income Plan, Non-Cumulative Option and Annual Income Plan shall be paid on fixed dates as given below:
 

Deposits Plan Fixed Dates
Monthly Income Plan (MIP) The last day of every month
Non-Cumulative : Quarterly Option June 30, September 30, December 31 & March 31
Non-Cumulative : Half-Yearly Option September 30 and March 31
Annual Income Plan (AIP) March 31



Cumulative Interest Option: Interest will be compounded annually on 31st March of every year after deducting the tax, wherever applicable. The principal along with the interest will be paid on maturity once the discharged deposit receipt is received by us. Interest amount (net of TDS - where applicable) will be paid through NACH at all centres where this facility is available. Where this facility is not available, interest cheque will be paid through Account Payee cheque drawn in favour of the first - named depositor along with his bank account details furnished.
 

Income tax will be deducted at source under Section 195 of the Income Tax Act, 1961, at the rates in force. Wherever there exists a Double Taxation Avoidance Agreement (DTAA) between the Government of India and government of other countries (country of residence of the respective NRI), the rate of tax deducted at source will be applied as per the DTAA. The NRI has to give the declaration every financial year in two respects, viz., that he is a resident of a foreign country and he is not resident in India during the relevant Financial Year, failing which TDS will be deducted at normal rates. Where income tax is deducted at source on the monthly interest, a consolidated TDS certificate maybe issued for the financial year. Sub-section 5A to Section 139A of the Income Tax Act, 1961, requires every person receiving any sum or income from which tax has been deducted, to intimate his Permanent Account Number (PAN) to the person responsible for deducting such tax. Further, Sub-section 5B to section 139A requires the person deducting such tax to indicate the PAN on the TDS certificate. Please mention your PAN in the application form.

Your request for premature withdrawal may be granted at the sole discretion of HDFC and cannot be claimed as a matter of right, subject to the Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 as applicable from time to time.

 

Premature withdrawal will not be allowed before completion of three months from the date of deposit. In case of request for premature withdrawal after the expiry of three months, the rates given in the following table shall apply.

 

Months completed from the date deposit  Rate of Interest Payable
After 3 months but before 6 months The interest payable shall be 3% per annum for individual depositor, and no interest in case of other category of depositors
After 6 months but before the date of maturity The interest payable shall be one percent lower than the interest rate applicable to a public deposit for the period for which the deposit has run or if no rate has been specified for that period, then two percent lower than the minimum rate at which the public deposits are accepted by HDFC.

For renewal or repayment of deposit, the discharged deposit receipt must be surrendered to HDFC. In case of renewal of deposit, the prescribed application form signed by all depositors is also required to be submitted. If the date of maturity falls on any day on which HDFC’s office remains closed, repayment will be made on the next working day. Repayment amount is remitted to depositor’s bank account directly through NEFT/RTGS/FT or paid through account payee cheque favouring the first depositor.

Only individual depositor/s, singly or jointly, can nominate a single person under this facility. In case the deposit is placed in the name of a minor, the nomination can be made only by a person lawfully entitled to act on behalf of the minor. Power of Attorney holder or any person acting in representative capacity as holder of an office or otherwise cannot nominate. The nominee shall have the right to receive the amount due in respect of the deposit and payment by HDFC to the nominee shall constitute full discharge to HDFC of its liability in respect of the deposit. Nominee's name will be printed on the Fixed Deposit receipt, unless mentioned otherwise.

In terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYC Guidelines issued by the Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 you are required to comply with the KYC requirements by submitting the following documents.Power of Attorney holder or any person acting in representation capacity as holder of an office or otherwise, is also required to comply with KYC guidelines:
 

  • The latest photograph
  • A certified copy of the proof of identity
  • A certified copy of the proof of address
  • A copy of passport of depositors
  • A copy of PAN card of depositors
     

All photocopies have to be attested by your Banker/Notary/Indian Embassy official/Yourself (Self attestation). All photocopies have to be signed by the applicant in full as "True Copies".

Income tax will be deducted at source under Section 195 of the Income Tax Act, 1961, at the rates in force. Wherever there exists a Double Taxation Avoidance Agreement (DTAA), the rate of tax deducted at source will be applied as per the DTAA. The NRI has to give the declaration each financial year in two respects, viz., that he is a resident of a foreign country and he is not the resident of India, during the relevant financial year, failing which TDS will be deducted at normal rates.

Country Tax % Country Tax %
Armenia 10% Namibia 10%
Australia 15% Nepal 15%
Austria 10% Netherlands 10%
Bangladesh 10% New Zealand 10%
Belarus 10% Norway 15%
Belgium 15% Oman 10%
Botswana 10% Philippines 15%
Brazil 15% Poland 15%
Bulgaria 15% Portuguese Republic 10%
Canada 15% Quatar 10%
China 10% Romania 15%
Cyprus 10% Russian Federation 10%
Czeck Republic 10% Saudi Arabia 10%
Denmark 15% Serbia 10%
Germany 10% Solvenia 10%
Finland 10% Singapore 15%
France 10% South Africa 10%
Greece 20% Spain 15%
Hungary 10% Srilanka 10%
Iceland 10% Sudan 10%
Indonesia 10% Swedan 10%
Ireland 10% Swiss 10%
Israel 10% Syria 10%
Italy 15% Tanzania 12.50%
Japan 15% Thailand 20%
Jordon 10% Trinidad and Tobago 10%
Kazakistan 10% Turkey 15%
Kenya 15% Turkmenistan 10%
Korea 15% Uganda 10%
Kuwait  10% Ukraine 10%
Kyrgyz Republic 10% United Arab Emirates 12.50%
Libyan Arab Jamahiriya 20% United Arab Republic (Egypt) 20%
Malaysia 10% United Kingdom 15%
Malta 10% United States 15%
Mangolia 15% Uzbekistan 15%
Mauritius 20% Vietnam 10%
Morocco 10% Zambia 10%

Features

Interest will be payable on the deposit from the date of realisation of cheque or RTGS transfer to HDFC's bank account. Interest on deposits placed under Monthly Income- Plan, Non-Cumulative Option and Annual Income Plan, shall be paid on fixed dates as given below:
 

Deposit Plan Fixed Dates
Monthly Income Plan (MIP) The last day of every month
Non-Cumulative : Quarterly Option June 30, September 30, December 31 & March 31
Non-Cumulative : Half-Yearly Option September 30 and March 31
Annual Income Plan (AIP) March 31



Cumulative Interest Option: Interest will be compounded annually on 31st March of every year after deducting the tax, wherever applicable. The principal along with the interest will be paid on maturity once the discharged deposit receipt is received by us. Interest amount (net of TDS - where applicable) will be paid through NACH at all centres where this facility is available. Where this facility is not available, interest cheque will be paid through Account Payee cheque drawn in favour of the first - named depositor along with his bank account details furnished.

Income tax will be deducted at source under Section 194A of the Income Tax Act, 1961, at the rates in force. If the depositor is not liable to pay income tax and the interest to be paid/credited in a financial year does not exceed the maximum amount which is not chargeable to income tax, the depositor may submit a declaration in Form No. 15G so that income tax is not deducted at source. In such cases, PAN (Permanent Account Number) must be quoted in the declaration, else the declaration is invalid. Section 139A(5A) of the Income Tax Act, 1961, requires every person receiving any sum or income from which tax has been deducted to intimate his PAN to the person responsible for deducting such tax. Further, 139A(5B) requires the person deducting such tax to indicate the PAN on the TDS certificate. Please mention your PAN in the application form if the annual interest exceeds Rs.5000 per branch. In case PAN is not mentioned, the rate of TDS would be 20% as against 10% for cases where PAN is provided effective April 1, 2010.

Your request for premature withdrawal may be granted at the sole discretion of HDFC and cannot be claimed as a matter of right, subject to the Non-Banking Financial Company – Housing Finance Company (Reserve Bank) Directions, 2021 as applicable from time to time.
 

Premature withdrawal will not be allowed before completion of three months from the date of deposit. In case of request for premature withdrawal after the expiry of three months, the rates given in the following table shall apply.
 

Months completed from the date deposit  Rate of Interest Payable
After 3 months but before 6 months The interest payable shall be 3% per annum for individual depositor, and no interest in case of other category of depositors
After 6 months but before the date of maturity The interest payable shall be one percent lower than the interest rate applicable to a public deposit for the period for which the deposit has run or if no rate has been specified for that period, then two percent lower than the minimum rate at which the public deposits are accepted by HDFC.

For renewal or repayment of deposit, the discharged deposit receipt must be surrendered to HDFC. In case of renewal of deposit, the prescribed application form signed by all depositors is also required to be submitted. If the date of maturity falls on any day on which HDFC’s office remains closed, repayment will be made on the next working day. Repayment amount is remitted to depositor’s bank account directly through NEFT/RTGS/FT or paid through account payee cheque favouring the first depositor.

In terms of the Prevention of Money Laundering Act, 2002, the rules notified thereunder and KYC Guidelines issued by the National Housing Bank (NHB), every depositor is required to comply with the KYC requirements by submitting the required documents for various categories mentioned on the reverse of the Application Form. In case the documents are submitted in any of the previous deposits, please provide the customer number. 

Looking for Deposits?

Visit our HDFC Office nearest to you

Locate Us

Interest Rates

Effective March 1, 2023

DIAMOND DEPOSITS (For Senior Citizens Only) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
75 Months 7.70% 7.75% 7.80% 8.00% 8.00%

Valid from March 1, 2023

SAPPHIRE DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
45 Months 7.45% 7.50% 7.55% 7.70% 7.70%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

Effective March 1, 2023

SPECIAL DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
33 Months 7.30% 7.35% 7.40% 7.55% 7.55%
66 Months 7.40% 7.45% 7.50% 7.65% 7.65%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

Effective March 1, 2023

PREMIUM DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
15 Months 7.20% 7.25% 7.30% - 7.45%
22 Months 7.25% 7.30% 7.35% 7.50% 7.50%
44 Months 7.25% 7.30% 7.35% 7.50% 7.50%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

REGULAR DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 6.85% 6.90% 6.95% - 7.10%
24-35 Months 7.10% 7.15% 7.20% 7.35% 7.35%
36-60 Months 7.15% 7.20% 7.25% 7.40% 7.40%
61-120 Months 7.05% 7.10% 7.15% 7.30% 7.30%
Minimum Amount (₹) ₹40,000 ₹20,000 ₹20,000 ₹20,000 ₹20,000

REGULAR DEPOSITS (Fixed Rates) Deposits exceeding ₹2 crore & upto ₹10 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 7.10% 7.15% 7.20% - 7.35%
24-35 Months 7.25% 7.30% 7.35% 7.50% 7.50%
36-60 Months 7.20% 7.25% 7.30% 7.45% 7.45%
61-120 Months 7.05% 7.10% 7.15% 7.30% 7.30%

REGULAR DEPOSITS (Fixed Rates) Deposits exceeding ₹10 crore & below ₹25 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 7.15% 7.20% 7.25% - 7.40%
24-35 Months 7.35% 7.40% 7.45% 7.60% 7.60%
36-60 Months 7.25% 7.30% 7.35% 7.50% 7.50%
61-120 Months 7.10% 7.15% 7.20% 7.35% 7.35%

Effective March 23, 2023

REGULAR DEPOSITS (Fixed Rates) Deposits exceeding ₹25 Crore

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 7.62% 7.67% 7.72% - 7.87%
24-60 Months 7.62% 7.67% 7.72% 7.87% 7.87%
61-120 Months 7.25% 7.30% 7.35% 7.50% 7.50%

Recurring Deposits Plan (RD) Fixed Rate Installment Deposit Plan (For Individuals Only)

Period of Deposit ROI (p.a.) #
12 - 23 Months 6.70%
24 - 35 Months 6.75%
36 - 60 Months 6.80%
  • *Minimum Monthly Savings Amount ₹2,000/-
  • *A) Senior Citizens (60 years+) will be eligible for an additional 0.25% p.a. on deposits upto Rs.2 Crore (Other than Recurring Deposits).
  • *B) Additional ROI of 0.05% p.a. will be applicable on Individual deposits placed/renewed through our Online Deposit system and auto-renewed deposits.
  • *C) For cumulative option, interest is compounded annually.
     

Interest rates are subject to change and the rate applicable will be the rate prevalent on the effective date of deposit.

Valid from March 1, 2023

SAPPHIRE DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
45 Months 7.45% 7.50% 7.55% 7.70% 7.70%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

Effective March 1, 2023

SPECIAL DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
33 Months 7.30% 7.35% 7.40% 7.55% 7.55%
66 Months 7.40% 7.45% 7.50% 7.65% 7.65%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

PREMIUM DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
15 Months 7.20% 7.25% 7.30% - 7.45%
22 Months 7.25% 7.30% 7.35% 7.50% 7.50%
44 Months 7.25% 7.30% 7.35% 7.50% 7.50%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

REGULAR DEPOSITS (Fixed Rates) Deposits upto ₹2 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 6.85% 6.90% 6.95% - 7.10%
24-35 Months 7.10% 7.15% 7.20% 7.35% 7.35%
36-60 Months 7.15% 7.20% 7.25% 7.40% 7.40%
61-120 Months 7.05% 7.10% 7.15% 7.30% 7.30%
Minimum Amount (Rs.) 40,000 20,000 20,000 20,000 20,000

REGULAR DEPOSITS (Fixed Rates) Deposits exceeding ₹2 crore & upto ₹10 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 7.10% 7.15% 7.20% - 7.35%
24-35 Months 7.25% 7.30% 7.35% 7.50% 7.50%
36-60 Months 7.20% 7.25% 7.30% 7.45% 7.45%
61-120 Months 7.05% 7.10% 7.15% 7.30% 7.30%

REGULAR DEPOSITS (Fixed Rates) Deposits exceeding ₹10 crore & below ₹25 crore (p.a.)

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 7.15% 7.20% 7.25% - 7.40%
24-35 Months 7.35% 7.40% 7.45% 7.60% 7.60%
36-60 Months 7.25% 7.30% 7.35% 7.50% 7.50%
61-120 Months 7.10% 7.15% 7.20% 7.35% 7.35%

Effective March 23, 2023

REGULAR DEPOSITS (Fixed Rates) Deposits exceeding ₹25 Crore

Period Monthly Income Plan Quarterly Option Half-Yearly Option Annual Income Plan Cumulative Option
12-23 Months 7.62% 7.67% 7.72% - 7.87%
24-60 Months 7.62% 7.67% 7.72% 7.87% 7.87%
61-120 Months 7.25% 7.30% 7.35% 7.50% 7.50%

Interest rates are subject to change and the rate applicable will be the rate prevalent on the effective date of deposit.

 

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Become A Key Partner

HDFC has mobilized household funds from over 17 lac depositors. Our deposit products have enjoyed an 'AAA' credit rating from CRISIL and ICRA consistently over the past 27 years and we offer exceptionally high standard of service.

All our retail savings products are distributed primarily through our Key Partners. Besides benefitting from attractive brokerage/commission structures, our Key Partners are also free to be agents of other financial institutions. This will help you, as a Key Partner, strengthen your portfolio of offerings and will enable you to present a diverse choice of investment options to your customers.

  • Attractive remuneration system
  • Extensive support from HDFC personnel
  • Safe and secure product line
  • Reputation of a world-class organization
  • Popular household brand
  • Option to also be a distributor of other financial institutions

Follow 2 Simple Steps

STEP 1

Fill in the form on the link below and submit the same at any nearest HDFC Deposits centre or walk into any HDFC Deposits branch to pick up an application form.

STEP 2

You will be interviewed and if found suitable, you will be registered as an Authorized Key Partner.

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Interest Rate Range for the past quarter for advances granted to individual borrowers

Individual Housing: (Oct-Dec 2022 Quarter)

Min (%) Max (%) Wt Avg. (%) Mean (%)
8.00 13.00 8.60 9.43

Individual Non-Housing: (Oct-Dec 2022 Quarter)

Min (%) Max (%) Wt Avg. (%) Mean (%)
8.00 15.30 9.02 10.03

Please visit https://portal.hdfc.com/login and post Login click on Requests > Conversion Enquiry tab for any further details in this regards.

HDFC's Retail Prime Lending Rate (RPLR) Housing is being increased by 25 bps to 18.55% w.e.f March 1, 2023

HDFC's Retail Prime Lending Rate (RPLR) Non-Housing is also being increased by 25  bps to 12.20% w.e.f March 1, 2023