उत्पाद विवरण
बैंक का नाम
HDFC Bank
Eligibility
Resident individuals
Hindu Undivided Families
ब्याज दर
7.00%
कार्यक ाल
Tenure – 5 Years (Lock In)
सावधि जमा प्रकार
Tax Saving Fixed Deposit
Five Year Tax Saving Fixed Deposit
कर लाभ
Yes, HDFC Five Year Tax Saving Fixed Deposit (FD) does offer tax benefits. Here's how:
Tax Deduction under Section 80C: Investments in HDFC Five Year Tax Saving FD qualify for a tax deduction under Section 80C of the Income Tax Act of India.
Maximum Deduction Limit: The total deduction you can claim under Section 80C, including your FD investment, is ₹1.5 lakh per financial year.
साख दर
CARE AAA (FD); Stable [Triple A (Fixed Deposit); Outlook: Stable]
ब्याज भुगतान आवृत्ति
Can be booked with Monthly and quarterly payout. Typically for fixed deposits having interest payment at maturity, compound interest is applicable and for fixed deposits having monthly interest payment, simple interest is applicable. Typically fixed deposits having a tenure of one year or less, simple interest is applicable. It is best to consult the bank officials before you book a fixed deposit.
संचयी/गैर-संचयी
Both
विशेषताएँ
Minimum Amount – Rs. 100 & in Multiples of Rs. 100 Maximum amount – Rs. 1.5 Lakhs (in a FY) Tenure – 5 Years (Lock In) Can be booked with Monthly and quarterly payout In the case of joint deposits, the Tax benefit under 80 c will be available only to the first holder of the deposit
न्यूनतम निवेश राशि
Minimum Amount – Rs. 100 & in Multiples of Rs. 100
Maximum amount – Rs. 1.5 Lakhs (in a FY)
फीस और शुल्क
Pros
Tax Benefits
Guaranteed Returns
Safe Investment
Flexible Interest Payout
Loan Against FD
दोष
Lower Interest Rates
Lock-in Period
Tax on Interest
पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?
Branch Visit:Visit your nearest HDFC Bank branch.
Inform the representative about your intent to open a Five-Year Tax Saving FD.
Discuss your preferred deposit amount (minimum Rs.100, maximum Rs.1.5 lakh in a financial year under Section 80C) and interest payout option (monthly or quarterly).
Net Banking (if you have an HDFC Bank account):Log in to HDFC Bank Net Banking portal.
Navigate to the ‘Deposits’ section and look for ‘Tax Saving FD’ or similar options.
The online process might vary slightly, but generally, you'll choose ‘New Deposit’, pick ‘Tax Saving FD’ from the product options, and enter details like deposit amount, tenure (5 years is fixed), and interest payout preference.
Application Procedure
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