Housing Development Finance Corporation Ltd.

FIXED DEPOSIT CHART

Platinum Deposits plan (Fixed Rates Only)

Period (Months) Monthly

Income Plan

Quarterly

Option

Half-Yearly

Option

Annual Income

Plan

Cumulative

option

15 Months 9.4 9.45 9.55 na 9.75

33 Months 9.4 9.45 9.55 9.75 9.75

Minimum

Amount 40000 20000 20000 20000 20000

For cumulative option Interest Compounded Annually

HDFC Regular Deposits (Fixed & Variable Rates)

Period (Months) Monthly

Income Plan

Quarterly

Option

Half-Yearly

Option

Annual Income

Plan

Cumulative

option

12 to 23 8.9 8.95 9.05 na 9.25

24 to 35 9.05 9.1 9.2 9.4 9.4

36 to 47 9.15 9.2 9.3 9.5 9.5

48 to 60 8.9 8.95 9.05 9.25 9.25

Minimum

Amount 40000 20000 20000 20000 20000

For cumulative option Interest Compounded Annually

Notes:

• For Cumulative Option, interest is compounded annually.

• Above rates are applicable for deposits below Rs 1 crore. Please refer to HO for rates for

deposits above 1 cr.

• 0.25% additional Interest provided to senior Citizens (60years and above).

• Trust Deposits will be eligible for tax exemption under Section 11 (5) (ix) of Income Tax Act, 1961.

• TDS as applicable will be deducted if interest income is more than Rs. 5,000, however no TDS will be

deducted if a duly filled Form 15 G/H is submitted.

• KYC Norms (Pan Card copy and Address Proof) are mandatory in case of new investor.

Who can Apply:

• Resident Individual

• Minors through their Guardians

• Domestic Company

• HUFs

• Registered Trust/Societies.

• Co-operative Societies

• Co-operative Banks

• Association of Persons

• Superannuation funds

• *NRI can invest through NRO Account

*Documents require for NRI investment are Pan Card copy , Address Proof (Indian Origin) and Cancelled Cheque.

Electronic Clearing Service:

This facility is provided to depositor’s in select centers whereby the interest is credited directly to the

depositors' bank account. The depositor would receive a credit entry "ECS HDFC" in his passbook/bank

statement. Intimation of interest credited would be sent on an annual basis. Your bank will not levy

any charge for this facility as per present RBI guidelines.

Presently this facility is being offered by us at the following centers -

ECS Centres : Ahmedabad, Bangalore, Bhubaneshwar, Kolkata, Chandigarh, Chennai, Hyderabad, Jaipur,

Kanpur, Lucknow, Mumbai, Nagpur, Nasik, New Delhi, Pune and Vadodara.

Banking Details:

Payment should be made by means of Account Payee Cheque/ demand draft made payable to

‘HDFC Ltd.’ payable at Designated HDFC Ltd.Branches where the application is submitted.

RTGS Details:

Name of the Bank HDFC Bank Ltd

Branch Nanek Motwani Marg, Fort, Mumbai

IFCS Code hdfc0000060

Account Holder Housing Development Finance Corporation Ltd

Current Account No 00600350003778

Stamp on Application Form:

RR Investors Retail Services Pvt. Ltd. Code- NO/27874

Loan on Deposit:

Loan against deposit is available after 3 months from the date of deposit upto 75% of the deposit

amount subject to the other terms and conditions framed by HDFC. Interest on such loans will be

2% above the deposit rate.

Premature Withdrawal:

As per the directions of the Reserve Bank of India currently in force, the deposit shall not be

repaid before the expiry of 3 months from the date of deposit. In case of premature withdrawal

after 3 months, interest shall be paid at the following rates :-

• After 3 months but before expiry of 6 months - No interest

• After expiry of 6 months but before the date of maturity - The interest payable shall be 2%

lower than the interest rate applicable for the period for which the deposit has run or if no

rate has been specified for that period, then 3% lower than the minimum rate at which the

public deposits are accepted by HDFC. In respect of variable rate deposit, the interest rate

applicable

for the period for which deposit has run would be considered as applicable on the

respective interest reset dates.

Refund / Renewal of Deposit:

For renewal or repayment of deposit, the duly discharged deposit receipt must be surrendered to HDFC

at least a week before the date of maturity. In case of renewal, the prescribed application form signed by

all depositors is also required to be submitted simultaneously. When the date of maturity falls on any

day on which HDFC's office remains closed the repayment will be made on the next working day.

Repayment of deposit will be made by "Account Payee" cheque drawn favouring the first depositor or

by crediting the amount directly to first depositor's bank account through NEFT/RTGS, based on request

from the depositor.

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MANDATORY DOCUMENTS TO BE SUBMITTED AS PER KNOW YOUR CUSTOMER NORMS, DIRECTED BY RESERVE BANK OF INDIA

Category, if To prove Document to be submitted along with application form

-Proof of Identity

(i) Passport (ii) PAN Card (iii) Voters Identity Card (iv) driving license (v)

Identity card (vi) Letter from recognized public authority o public servant

verifying the identity and residence of the customer

(any one document mentioned above)

A. Individual

-Correct permanent address

(i)Telephone bill (ii) Bank account statement (iii) Letter from any

recognized public authority (iv) Electricity bill (v) Ration Card (vi) Letter

from employer

(any one document mentioned above)

B. Companies

-Name of Company

-Principal place of business

-Mailing address of the

company

-Telephone/Fax Number

(i) Certificate of incorporation and Memorandum & Articles of Association

(ii) Resolution of the Board of Directors to open a deposit and identification

of those who have authority to operate the deposit (iii) Power of Attorney

granted to its managers, officers or employees to transact business on its

behalf (iv) Copy of PAN allotment letter (v) Copy of telephone bill

C. Partnership

firms

-Legal name

-Address

-Name of all partners and

their addresses

-Telephone numbers of the

firm and partners

(i) Registration certificates, if registered (ii) Partnership deed (iii) Power of

Attorney granted to a partner or an employee of the firm to transact

business on its behalf (iv) Any officially valid document identifying the

partners and the persons holding the Power of Attorney and their

addresses (v) Telephone bill in the name of firm/partners

D. Trusts

/Foundations

-Name of Trustees,

settlers, beneficiaries and

signatories

-Names and addresses of

the founder, the

managers/directors and

the beneficiaries

-Telephone/fax numbers

(i) Certificate of registration, if registered (ii) Power of Attorney granted to

transact business on its behalf (iii) Any officially valid document to identify

the trustees, settlers, beneficiaries and those holding Power of Attorney,

founders/managers/directors and their addresses (iv) Resolution of the

managing body of the foundation/association (v) Telephone bill

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