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Safe & Secure FD, Insured by RBI
No Savings A/c Required
FD Starts from Rs 2000
Card Limit = 90% of FD
*Rates are subject to change as per the bank's discretion.
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Depositors can avail HDFC Bank Overdraft Against FD, also called HDFC Bank Super Saver Facility, for up to 90% of their FD amount. They only have to pay 2% above the applicable fixed deposit rate for the amount withdrawn, for the period that they have used the money.
FDs of up to ₹5 lakhs insured by RBI
No hassle of opening a saving account
No documentation
| Interest rate | 2% above the applicable FD rate |
| Loan type | Overdraft |
| Margin | Up to 90% of FD amount |
Note: Interest rates as of 7th November 2024
Using the HDFC Bank Overdraft Against FD facility, depositors can avail instant loans against their fixed deposits to meet their financial requirements. Using this facility, they can avail up to 90% of the FD amount as HDFC Bank Loan against FD, in the form of overdraft facility. The interest component is levied on the drawn amount only, till they are repaid. Note that FD accounts used as lien continues to earn interest as per the booked HDFC Bank FD interest rates.
Card limit is 90% of FD Amount
Instant Virtual Card
7%INTEREST ON FD
Banks | Highest FD rate (% p.a.) | 1-year FD rate (% p.a.) | 3-year FD rate (% p.a.) | 5-year FD rate (% p.a.) | Additional interest rate for senior citizens (% p.a.) |
| Unity Small Finance Bank | 9.00 | 7.85 | 8.15 | 8.15 | 0.50 |
| North East Small Finance Bank | 9.00 | 7.00 | 9.00 | 6.25 | 0.50 |
| Suryoday Small Finance Bank | 8.60 | 8.05 | 8.60 | 8.25 | 0.50 |
| Shivalik Small Finance Bank | 8.55 | 6.00 | 7.50 | 6.50 | 0.50 |
| Utkarsh Small Finance Bank | 8.50 | 8.00 | 8.50 | 7.75 | 0.60 |
| Jana Small Finance Bank | 8.25 | 8.25 | 8.25 | 8.20 | 0.50 |
| Ujjivan Small Finance Bank | 8.25 | 8.25 | 7.20 | 7.20 | 0.50 |
| ESAF Small Finance Bank | 8.25 | 6.00 | 6.75 | 6.25 | 0.50 |
| Equitas Small Finance Bank | 8.25 | 8.20 | 8.00 | 7.25 | 0.50 |
| SBM Bank | 8.25 | 7.05 | 7.30 | 7.75 | 0.50 |
| RBL Bank | 8.10 | 7.50 | 7.50 | 7.10 | 0.50 |
| DCB Bank | 8.05 | 7.10 | 7.55 | 7.40 | 0.50 |
| Bandhan Bank | 8.05 | 8.05 | 7.25 | 5.85 | 0.50-0.75 |
| AU Small Finance Bank | 8.00 | 7.25 | 7.50 | 7.25 | 0.50 |
| IDFC First Bank | 7.90 | 6.50 | 6.80 | 6.75 | 0.50 |
| YES Bank | 7.75 | 7.25 | 7.25 | 7.25 | 0.50-0.75 |
| Induslnd Bank | 7.99 | 7.75 | 7.25 | 7.25 | 0.50 |
| Central Bank of India | 7.45 | 7.00 | 6.00 | 5.75 | 0.50 |
| Punjab & Sind | 7.45 | 6.30 | 6.00 | 6.00 | 6.00 |
| HDFC Bank | 7.40 | 6.60 | 7.00 | 7.00 | 0.50 |
Also know: What is HDFC Bank Tax Saving FD?
Step 1: Visit the official website of HDFC Bank
Step 2: Select “Save” then “Fixed Deposits”
Step 3: Go to “Overdraft Against Fixed Deposit”
Step 4: Click on “Apply Now”
Step 5: HDFC NetBanking portal will open. Click on “Proceed Now” and fill the required details
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