HDFC’s Special FD Plan: Interest Up To 7.90%, Assured Returns – Don’t Miss Out!

If you are looking for a secure way to grow your savings while earning attractive interest rates, HDFC Bank's Special Edition Fixed Deposit (FD) scheme could be an excellent option. As India's largest private sector bank, HDFC offers special interest rates on select FD tenures, making it an appealing choice for both regular customers and senior citizens.

Tenure and Interest Rates of HDFC Special Edition FD

The HDFC Special Edition FD scheme provides higher interest rates for specific tenures. Here are the details

FD Tenure	Interest Rate For Regular Customers (p.a)	Interest Rate For Senior Citizens (p.a)
2 years, 11 months (35 months)	7.35 per cent	7.85 per cent
4 years, 07 months (55 months)	7.40 per cent	7.90 per cent

Notably, this offer is applicable to deposits below Rs 3 Crore.

Key Features & Benefits Of HDFC Special Edition FDs

1. High Interest Rates -Earn up to 7.90 per cent interest per annum, which is higher than standard FD rates.

2. Assured Returns - As a fixed deposit, your investment is not affected by market fluctuations, ensuring guaranteed returns.

3. Flexible Interest Payout Options - Choose from monthly, quarterly, or cumulative interest payout as per your financial needs.

4. Additional Benefits for Senior Citizens - Senior citizens get an extra 0.50 per cent interest rate, making it a desirable retirement savings option.

5. Low Minimum Deposit Requirement - You can start investing with as little as Rs 5,000, making it accessible to all.

6. Available for All Customers - Even non-HDFC Bank customers can avail of this scheme by completing a simple online process.

How To Open An HDFC Special Edition Fixed Deposit?

For Existing HDFC Bank Customers (Online & Offline Options)

Online Process:

1. Visit the HDFC Bank's official website and go to the FD account opening page.

2. Select 'Yes' when asked if you have an HDFC Bank Savings/Salary Account.

3. Enter your registered mobile number and date of birth.

4. Enter the OTP received on your phone and log in.

5. Choose your preferred tenure, enter the deposit amount, and set maturity/renewal instructions.

6. Make the payment and confirm your FD booking.

Offline Process:

Visit the nearest HDFC Bank branch with your KYC documents (Aadhaar, PAN, etc.) and open an FD account with a bank representative.

For Non-HDFC Bank Customers (Online Process)

If you do not have an HDFC Bank account, you can still open the Special Edition FD online by following these steps:

1. Visit the HDFC Bank website and go to the FD account opening page.

2. Select 'No' when asked if you have an HDFC Bank Savings/Salary Account.

3. Fill out the online application form with your Aadhaar-linked mobile number and PAN details.

4. Complete the video KYC verification as required.

5. Select your preferred tenure, maturity instructions, and renewal options.

6. Fund your FD: Use UPI for deposits up to Rs 1 Lakh, and NEFT for deposits up to Rs 25 Lakh.

If you are looking for a risk-free way to grow your savings, the HDFC Special Edition FD is a great option to lock in high returns and secure your financial future.