Fixed Deposit
Fixed Deposit — Safe Growth, Steady Returns
A Fixed Deposit offers higher returns on a safe, dependable investment, with the flexibility to match your financial goals.
What You Get With a HINDUSTHAN FD
Locked‑Int Rate from Day One
Interest rate remains fixed from the day you open your Fixed Deposit, unaffected by market changes — ensuring rate security, predictable growth & a trusted investment.
Flexible Interest Payout Options
Choose your interest payout — monthly, quarterly, half-yearly, or at maturity, credited directly to your account.
Loan Against Fixed Deposit — Up to 90%
A Fixed Deposit at Hindusthan Bank can be used as collateral — get instant funds without breaking your deposit, with flexible repayment & quick approval.
DICGC Insurance Cover
Deposits are insured under the Deposit Insurance and Credit Guarantee Corporation scheme up to ₹5 lakh per depositor — ensuring financial security & peace of mind.
Additional Rate Benefit for Senior Citizens
At Hindusthan Bank, senior citizens get 0.50%–1.00% higher interest — ensuring better returns, safety & financial comfort.
Nomination Facility
Secure your loved ones’ future — nominate a trusted person to ensure quick, hassle-free claim of your deposit.
Auto‑Renewal Option
Auto-renew your Fixed Deposit at maturity at prevailing rates — ensuring continuous growth without idle funds.
SMS Alert at Maturity
Get an SMS alert 7 days before your Fixed Deposit matures — giving you time to renew or withdraw.
Who are Eligible
- Resident Individuals – Single or joint account holders with valid KYC
- Senior Citizens – Eligible for preferential interest rates; proof of age required.
- Minors – Can open an FD through a parent/guardian.
- NRIs – Eligible through NRE/NRO accounts, subject to RBI guidelines.
- Joint Accounts – Two or more individuals can open an FD together.
- Trusts, Club, Association, Societies etc.
Required Documents
Proof of Identity (any one)
(Aadhaar Card, PAN Card, Passport, Voter ID, Driving Licence)
Proof of Address (any one)
(Aadhaar Card, Passport, Driving Licence, Voter ID, Utility Bill)
Passport-size Photographs
(2 recent colour photographs on white background)
FD Opening Form
FD Opening Form
How to Apply
- 1Download the Fixed Deposit Account Opening Form from this page, or collect a physical copy at any Hindusthan branch near you.
- 2Fill FD application form with tenure, amount, and payout option.
- 3Submit KYC documents.
- 4Deposit funds through cheque, transfer, or cash (subject to limits).
- 5Receive FD receipt/certificate with details of tenure, rate, and maturity
High interest rates, flexible tenures.
| Short Term Deposit | Monthly Interest Transfer Deposit | Quarterly Interest Transfer Deposit | Half Yearly Interest Transfer Deposit | QIC-Interest Cumulative Plan | |
|---|---|---|---|---|---|
| Period of Deposit | Minimum 7 days and maximum 365 days | Minimum 1 year and maximum 10 years | Minimum 1 year and maximum 10 years | Minimum 1 year and maximum 10 years | Minimum 1 year and maximum 10 years |
| Interest Payment | on maturity | Monthly Interest By Pay Order / Credit to Account | Quarterly Interest By Pay Order / Credit to Account | Half Yearly Interest By Pay Order / Credit to Account | Quarterly Compounded Interest payable on maturity |
| Maximum Amount of Deposit | No Limit | No Limit | No Limit | No Limit | No Limit |
| Minimum Amount of Deposit | Rs. 1,000/- | Rs. 1,000/- | Rs. 1,000/- | Rs. 1,000/- | Rs. 1,000/- |
| Pledging of Deposit | Allowed | Allowed | Allowed | Allowed | Allowed |
| Premature Withdrawal | Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit. | Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit. | Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit. | Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit. | Allowed with penalty of 1% in applicable interest rate for the tenure of deposit as on the date of placement of deposit. |
| Additional Interest Rate for Senior Citizen | Applicable | Applicable | Applicable | Applicable | Applicable |
| Eligible Depositors | All depositors | All depositors | All depositors | All depositors | All depositors |
Fixed Deposit Calculator
Interest Frequency
Tenure
Total Payout
₹0
at 0% interest rate
Invested
₹0
Interest Earned
₹0
Maturity Date: 05 Nov 2026
Disclaimer: The calculator provides estimated returns; actual payout, tenure, and applicable rates will be confirmed by the bank at the time of booking.
