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Overview of Deposits


HDFC began their deposits scheme more than 3 decades ago. Customers have chosen HDFC for fixed deposits plainly because of their consistent performance. Because of this trust, there are more than 6 lakh depositors today and it is increasing day by day.

India's leading rating agencies (CRISIL & ICRA) have rated HDFC's deposits program as "AAA" which is considered as a good benchmark! You would be astonished to know that for 24 years HDFC has consistently achieved this rating which shows its consistency and trust of customers and partners.

HDFC believes that a good brand always takes care of its customers and the customers in turn will ensure that the brand grows with time. Hence customer satisfaction has been the core of each product offering.

HDFC depositors can get services via 420 inter connected offices which are spread all over India. Around 77 deposit centers provide customers with instant services.

HDFC has been known to set very high benchmarks of service delivery consistently over the years. They do this by providing instant services like electronic payment facility for interest payment, instant loan against deposit & many value added services.


Deposit Key Features

  • As mentioned above, HDFC has the highest safety - AAA rating from both their agencies "CRISIL and ICRA" for the past 24 consecutive years.
  • HDFC deposits provide attractive and assured returns.
  • Get the best service through a network of over 420 offices across PAN India.
  • Through HDFC, you can choose from a wide range of deposits products.
  • You can expect prompt doorstep assistance through key partner network.
  • You can also get a Quick Loan against Deposit facility through HDFC upto 75%* of the deposited amount
  • Interest on loans against deposit will be 2%* above the deposit rate.
  • You will be paid your interest money on a specific date via cheque or RTGS.

If you happen to be a resident of India, you get to choose from a varied range of deposits products. The maturities for these will range from 12 to 84 months and will be given at competitive rates of interest that prevail in the market.

One of the best parts of HDFC deposits is that you get tailor made deposits which suit your specific needs. For senior citizens who are more than 60+ years of age, an additional 0.25% will be offered to them on all of the deposits products.


Monthly Income Plan

Last day of every month

Non-Cumulative: Quarterly Option

June 30th, September 30th, December 31st & March 31st

Non-Cumulative: Half-Yearly Option

September 30th and March 31st

Cumulative Plan

On Maturity Date

Annual Income Plan

31st March