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    How to Apply for Fixed Deposit in HDFC Bank

    HDFC bank is known for its service excellence and a nationwide distribution network. They offer many types of fixed deposit (FD) options for customers with flexible tenure ranges and a wide range of interest payout choices. Applying for a HDFC FD online is a hassle-free and convenient process and can be done by following a few simple steps. One can also open an HDFC FD by visiting the nearest branch or through mobile banking. The FD options offered by HDFC bank include regular FDs, tax savings FDs, super-saver, sweep-in, etc. They offer guaranteed returns at industry rates and a higher interest rate for senior citizens.

    Stepwise Process to Apply For HDFC Bank Fixed Deposit Online

    Step 1: Visit the HDFC bank website and login to the internet banking portal by providing username and password

    Step 2: Go to the ‘Open Fixed Deposits’ tab under the ‘Accounts’ option in the ‘Request’ section

    Step 3: Fill in all relevant details in the respective columns such as branch name, tenure range, deposit amount, domination details. Then, click ‘Continue’.

    Step 4: Verify details and click ‘Confirm’

    Step 5: The FD advice can be downloaded. A confirmation message will be displayed once the booking of the FD is confirmed

    Stepwise Process To Apply For HDFC Bank Fixed Deposit Offline

    Step 1: Make a visit to the nearest HDFC branch

    Step 2: Speak to an HDFC bank officer and ask for a FD application form

    Step 3: Fill in the form with all details. The bank officer will usually assist customers while filling the form

    Step 4: Submit all required documents and deposit the funds

    Step 5: The bank will give the customer an FD receipt upon successful booking of the deposit

    Eligibility

    All individuals, senior citizens and Hindu Undivided Families are eligible to apply for a HDFC bank FD. Minors are not allowed to individually hold FDs but they can hold an FD account along with another adult.

    Documents required for HDFC Bank fixed deposit

    Identity proof:

    • Passport
    • Aadhaar card
    • PAN card
    • Voter ID card
    • Driving licence
    • Government ID card
    • Photo ration card
    • Senior citizen ID card

    Address proof:

    • Passport
    • Telephone bill
    • Electricity bill
    • Bank Statement with Cheque
    • Certificate/ ID card issued by Post office

    FAQs

  • Can only existing customers apply for an FD online?
  • Both existing and new/prospective customers can book a term deposit online provided they have an active internet banking username and password.

  • Who is eligible to avail an internet banking username and password? What about first time users?
  • All HDFC bank customers are eligible for internet banking services. All first time users will have to approach the bank for an internet banking username and password.

  • Is PAN card a must to apply for a HDFC bank FD?
  • Yes.

  • What will happen if an FD is booked without furnishing PAN details?
  • In such a case:

    • TDS exemption forms will be declared void
    • TDS will be deducted at a penalty rate of 20%
    • TDS credit cannot be availed
    • TDS certificate might not be issued
  • Are there any charges for opening an FD?
  • No.

  • What are the compulsory documents that a customer has to furnish at any cost for HDFC FD?
  • It is mandatory to provide PAN, mobile number and Aadhaar card details, without which an fd cannot be opened.

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