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  • Swayamsidha Deposit for Women Reviews

    • DHFL Fixed Deposit
      "Processing is very fast"
      0.5 4.0/5 "Great!"
      I have allocated certain amount as Fixed deposit with DHFL around a year back. The rate of interest of the deposit offered at the time was 7% approximately and was better compared to the other bank rates offered. The tenure of the deposit was a year and It matured 4 months back. Their processing after maturity is also hassle free and easy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jun 03, 2016
    • DHFL Fixed Deposit
      "Special interest"
      0.5 5.0/5 "Blown Away!"
      The reason for choosing DHFL FD is because they are providing a special interest exclusively for ladies which is 9.35% for a period of 18 months. It is a good company and it is a number one housing finance when compared with others DHFL is providing the highest interest.
      Was this review helpful? 14
      , hyderabad
      Reviewed on Dec 09, 2015
    • DHFL Fixed Deposit
      "open fixed deposit"
      0.5 5.0/5 "Blown Away!"
      I opened a fixed deposit with DHFL with a Special Deposit Scheme for tenure of 40 Months with Interest Rate 9.85%. Company fixed deposits will give you a higher return than comparative bank fixed deposits. This is because of the additional risk, for example the DHFL fixed deposit that was concluded a few months ago offered interest rate of 9% per annum, when the highest rate offered by any bank was 7%. Normally, a higher time period will get you higher interest rates, but if you are not very comfortable with investing money in a company fixed deposit then you can select a shorter time frame like a  year. Like most investing decisions, whether you invest in these things or not, and how much money you do will depend on your particular circumstances. If you prefer safety over everything else, then it is best to leave these things alone. If you have a moderate risk appetite then you might as well try investing money with some of the better known companies.
      Was this review helpful? 19
      , mumbai
      Reviewed on Mar 26, 2015
    • DHFL Fixed Deposit
      "Best Interest Rate on Corporate FD like DHFL"
      0.5 4.5/5 "Excellent!"
      Dewan housing finance is a housing finance company ,,started its journey on 11th april 1984. Over 25 years passed since company inception, today DHFL stands strong as the third largest housing finance company and second largest in private sector. I opened fixed deposit with in this Bank Special Deposit Scheme for tenure of 40 Months with Interest Rate 9.85%. Company fixed deposits will give you a higher return than comparative bank fixed deposits. This is because of the additional risk, for example the DHFL fixed deposit that was concluded a few months ago offered interest rate of 9% per annum, when the highest any bank was offering was 7%. Normally, a  higher time period will get you higher interest rates, but if you are not very comfortable with investing money in a company fixed deposit then you can select a shorter time frame like a  year.
      Was this review helpful? 22
      , mumbai
      Reviewed on Nov 01, 2014
    • DHFL Fixed Deposit
      "Interest rate is impressive"
      0.5 5.0/5 "Blown Away!"
      I don't know much fixed deposit as depositing through brokers. Interest rate is 10.45% for 500 days. Once gets matured, either will take or renew it. Before 1 month, they would send the renewal letter through post. Overall am happy with the services.
      Was this review helpful? 27
      , chennai
      Reviewed on Aug 08, 2014
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    DHFL Swayamsidha Deposit for Women is Rated as "Blown Away!" by 5 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Fixed Deposit BYTES FROM OUR KITCHEN

    Overview of DHFL Swayamsidha Deposit for Women

    All fixed deposits offered by DHFL are AAA rated by CARE. DHFL offers a special deposit scheme for women known as ‘Swayamsidha’ with an investment of Rs.10,000. The DHFL Swayamsidha Deposit for women offers various benefits such as a high rate of interest at 9.1%, free insurance coverage and high returns on the deposits. What’s more, senior citizens and privileged customers can avail of an additional interest rate of 0.25%.

    Features of DHFL Swayamsidha Deposit for women

    The salient features of DHFL Swayamsidha Deposit for women are listed below:

    • Minimum Amount of Deposit: The minimum amount to be deposited by women under this scheme is Rs.10,000.
    • Tenure: The Swayamsidha Deposit is offered for a maximum tenure of 18 months.

    DHFL Swayamsidha Deposit Interest Rate

    • Additional interest: Privilege customers (senior citizens, widows, and DHFL SME / mortgage/home loan customers besides personnel from the Armed forces) can avail of an additional interest rate of 0.25%.
    • Loan against Swayamsidha: A customer can avail of the loan up to 75% of the deposit amount under this scheme.
    • Tax: Customers can avail of an exemption of Rs.5000 on the interest earned on the deposit under this scheme.
    • Insurance: A customer can avail of free accidental death insurance under this scheme for Rs.1 lakh. The first depositor can avail of the insurance in case of joint accounts.
    • Renewal: Customers can renew the Swayamsidha fixed deposits upon maturity, provided the request for renewal is sent prior to six months of the maturity date of the deposit.

    The table below provides information about applicable rates of interest:

    Swayamsidha Deposit Rates(Cumulative Deposit)
    Tenure Rate of Interest(Below Rs 50 Lacs) Rate of Interest(Rs 50 Lacs and above)
    18 months 8.85% 9.10%

    Swayamsidha Deposit Rates(Non-Cumulative Deposit)
    Tenure Rate of Interest(Below Rs 50 Lacs)
    Monthly Quarterly Half Yearly Yearly
    18 months 8.45% 8.50% 8.65% 8.85%
    Tenure Rate of Interest(Rs 50 Lacs and above)
    Monthly Quarterly Half Yearly Yearly
    18 months 8.70% 8.75% 8.90% 9.10%

    Minimum deposit for earning interest on a monthly basis with the Non-Cumulative Scheme is Rs 20,000. The minimum deposit for any other non-cumulative scheme is Rs 1,000.

    Updated on 22 September ‘16

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