HDFC Super Saver Deposits 2025

Sometimes it may happen that even though a person has deposited money in a fixed deposit, they still need access to the money without having to discontinuing the entire FD.

Updated On - 05 Sep 2025
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To serve this purpose HDFC offers its customers a Super Saver Deposit which is a fixed deposit that is linked to a savings account that allows depositors to withdraw money from the FD through the savings account. This account also allows depositors to access facilities like overdraft and sweep in.

HDFC Super Saver Deposits

Eligibility Criteria for applying for HDFC Super Saver FD

These deposits are available to all individuals who are residents of India, Hindu Unified Families and companies.

Features of the Super Saver FD by HDFC

Account Type

Single and Joint

Amount

Min:A minimum amount of Rs. 25,000 is the bare minimum that can be invested in this account.Max: There is no maximum limit announced by the bank for this deposit.

Method of operating

Sweep in: The sweep in facility allows customers to complete financial transactions even if they don’t have enough balance in their account. The extra amount is withdrawn from the FD and paid. (Example, you issue a cheque for Rs. 2,000 when there is only Rs. 500 in your savings account. The bank will honour the cheque and pay the balance of Rs. 1,500 from the FD)Overdraft: With the overdraft facility customers can withdraw money from the fixed deposit through the savings account.

Withdrawal

This deposit will allow customers to withdraw as much as 75% of the amount deposited.

Rate of Interest

(2.00% above FD rates) 

Min: The minimum rate of interest that can be earned is 5.00% per annum 

Max: The maximum rate of interest that can be earned is 9.10% per annum 

Tenure

Min: The minimum tenure for this deposit is 6 months and 1 day.Max: The maximum tenure for this deposit can be 10 years

TDS

Tax will be deducted at source if the interest earned crosses Rs. 10,000. If you are not eligible to pay taxes, make sure you provide the bank with forms 15G or 15H to inform them of the same.

Loan against the scheme

While there is no direct loan that can be taken against such a

HDFC Super Saver Interest Rates

The interest rates applicable to these deposits is the same as that prescribed for regular term deposits which are:

Tenure 

Interest rates (per annum) 

6 months 1 day to 9 months 

7.25% 

9 months 1 day to less than 1 year 

8.00% 

1 Year to 15 months 

8.60% 

15 months to less than 18 months 

9.10% 

18 months to less than 21 months 

9.00% 

21 months to 2 years 

9.00% 

2 years 1 day to 3 years 

9.00% 

3 years 1 day to 5 years 

9.00% 

5 Years 1 Day to 10 Years 

9.00% 

Note: HDFC Super Saver interest rates are 2.00% per annum above normal FD rates.

FAQs on HDFC Super Saver

  • Can this deposit be opened online?

    Yes, it is possible to open this account online through the bank's website.

  • Can you have overdraft and sweep in facility active at the same time on the fixed deposit?

    No. both facilities cannot be active together on the fixed deposit. But they can be active on the savings account.

  • Who all can get an ATM card for this account?

    If it is a joint account then 2 of the holders of the account can get ATM cards but no more.

  • Is it possible for a senior citizen and a non-senior citizen to open a joint senior citizen account?

    Yes but in such a case the senior citizen will have to be the primary account holder.

  • Can any Indian who is a senior citizen open the senior citizen account?

    No. Only senior citizens who are resident Indians can open this account.

  • How will the fund be utilised in case I have separate deposits linked with savings bank accounts?

    In case both the deposits are linked with the savings bank account, then during shortfall of funds, first the Overdraft amount will be utilised and then the sweep in amount. 

  • Can I avail myself of OD facility on FCNR FD?

    No, you cannot avail yourself of the overdraft facility on FCNR FD. Reach out to the bank for availing OD on FCNR FDs. 

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