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All you want to know about HDFC Saving Account
HDFC bank saving account offers a variety of facilities and privileges to its customers. Saving Account with HDFC bank is always preferred by the customers when they think to open a saving account in a private bank. Strong customer support and convenient technology used by HDFC is highly appreciated by its customers. On the basis of gender, seniority level, occupation etc savings account have been designed.
Features of HDFC Saving Account
- It provides a complete banking solution to its customer.
- Needs of different customers is fulfilled by the variety of saving accounts maintained by customers.
- A wide range of ATMs networks in the country.
- Free net banking, phone banking services
- The widest network of ATMs in the country
Revised Interest rates of HDFC Saving bank
Particulars | Interest Rates |
---|---|
Balance below Rs 50 Lakh | 3.5% p.a. |
Balance of Rs 50 Lakhs or above | 4% p.a. |
Types of HDFC Saving Account
Types of Accounts | Key Features | Minimum Average Balance |
---|---|---|
SavingsMax Account |
|
Rs. 25000 |
Women's Saving Account |
|
Metro &Urban- Rs 10,000 Semi-Urban & Rural- Rs 5000 |
Regular Saving Account |
|
Urban- 10,000 Semi-urban-5000 Rural- 2500 or Fixed Deposit of Rs.10,000 for a minimum tenure of 1 year 1 day |
Senior Citizens Account |
|
Rs 5000 |
Digisewa Youth Account |
|
Metro/Urban- Rs 5000 Semi-urban/Rural- 2500 |
Kids Advantage Account |
|
Rs 5000 |
Family Savings Group Account |
|
– |
Government/Institutional Savings Account |
|
– |
Basic Savings Bank Deposit Account |
|
No MAB needs to be maintained |
Government Scheme Beneficiary Savings Account |
|
No MAB needs to be maintained |
BSBDA Small Account |
|
No MAB needs to be maintained |
Things to think before opening HDFC Saving Account
- You should check the withdrawal and per day transaction limit for that account
- Interest rate getting on the account that you are going to open is essential to know as it will decide your future returns over the deposit.
- You should have an idea about the extra charges charged by the bank on not maintaining the minimum average balance.
Steps to open HDFC Saving Account
- After applying for the opening of a saving account, the applicant needs to fill the required form correctly. Under the online process, you can find the application form on the home page of HDFC Bank.
- Submit the above-required documents-
Identity Proof- Passport, Voting Card, Driving License etc
Address Proof-Passport, Voting Card, Driving License etc
PAN Card
Adhar Card
2 Passport size photos
- After filling the form, the applicant will have to complete its KYC at the preferred HDFC branch. In the case of the online process same form needs to be uploaded
- Bank will verify the submitted documents and matches with KYC done by you.
- After completing the verification process applicant has to submit the initial deposit as per the account opened by him.
- On the completion of the deposit process, bank executive will handover you the banking kit along with your net banking details and Debit Card.
Eligibility
- Individual singly or jointly, Minors at the age of 10 or above or minors under the legal guardianship
- Hindu Undivided Family
- Foreign residing in India- by attaching QA 22 form stating sources of credit and a copy of your residence permit