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Diamond Deposit
Diamond deposits are offered only for senior citizens, interest rates under the deposit vary depending on the income plan.
| Period | Monthly Income Plan | Quarterly Option | Half-Yearly Option | Annual Income Plan | Cumulative Option |
| 75 Months | 7.70% | 7.75% | 7.80% | 8.00% | 8.00% |
Sapphire Deposit
For individuals investing Sapphire deposit, will earn interest between 7.45%to 7.70% depending on the mode of plan. The tenure of the Sapphire deposit is 45 months.
| Period | Monthly Income Plan | Quarterly Option | Half-Yearly Option | Annual Income Plan | Cumulative Option |
| 45 Months | 7.45% | 7.50% | 7.55% | 7.70% | 7.70% |
| Minimum Amount (Rs.) | 40,000 | 20,000 | 20,000 | 20,000 | 20,000 |
Special Deposit
HDFC’s Special Deposit plan has two tenures: 33 months and 66 months. The interest rate varies depending on the plan, and there is a minimum amount requirement of Rs 40,000 for the monthly income plan and Rs 20,000 for the other options.
| Period | Monthly Income Plan | Quarterly Option | Half-Yearly Option | Annual Income Plan | Cumulative Option |
| 33 Months | 7.30% | 7.35% | 7.40% | 7.55% | 7.55% |
| 66 Months | 7.40% | 7.45% | 7.50% | 7.65% | 7.65% |
| Minimum Amount (Rs.) | 40,000 | 20,000 | 20,000 | 20,000 | 20,000 |
Premium Deposit
HDFC’s Premium Deposit plan has three tenures: 15 months 22 months and 44 months. The interest rate varies depending on the plan, and there is a minimum amount requirement of Rs 40,000 for the monthly income plan and Rs 20,000 for the other options.
| Period | Monthly Income Plan | Quarterly Option | Half-Yearly Option | Annual Income Plan | Cumulative Option |
| 15 Months | 7.20% | 7.25% | 7.30% | – | 7.45% |
| 22 Months | 7.25% | 7.30% | 7.35% | 7.50% | 7.50% |
| 44 Months | 7.25% | 7.30% | 7.35% | 7.50% | 7.50% |
| Minimum Amount (Rs.) | 40,000 | 20,000 | 20,000 | 20,000 | 20,000 |
Regular Deposit
Under the Regular Deposit plan, the HDFC offers different tenures. The minimum amount of Rs 40,000 is required under monthly income plan and Rs 20,000 for the other options.
| Period | Monthly Income Plan | Quarterly Option | Half-Yearly Option | Annual Income Plan | Cumulative Option |
| 12-23 Months | 6.85% | 6.90% | 6.95% | – | 7.10% |
| 24-35 Months | 7.10% | 7.15% | 7.20% | 7.35% | 7.35% |
| 36-60 Months | 7.15% | 7.20% | 7.25% | 7.40% | 7.40% |
| 61-120 Months | 7.05% | 7.10% | 7.15% | 7.30% | 7.30% |
| Minimum Amount (₹) | ₹40,000 | ₹20,000 | ₹20,000 | ₹20,000 | ₹20,000 |
Senior Citizens
According to the HDFC website, “Senior Citizens (60 years+) will be eligible for an additional 0.25% p.a. on deposits upto Rs.2 Crore (Other than Recurring Deposits). Additional ROI of 0.05% p.a. will be applicable on Individual deposits placed/renewed through our Online Deposit system and auto-renewed deposits. For cumulative option, interest is compounded annually.”
