One of the leading private banks of India, HDFC Bank, has come up with the new FD plan for a tenure of 450 days, thereby conferring an excellent opportunity to investors for earning higher returns against guaranteed safety. The bank, thus, is developing amongst different available short-term investment options where one offers flexibility to short-term investors due to prevailing changing market conditions and the increase in interest-rate trend.
Overview of the 450-Day Special FD
This scheme is meant for those who would want a 450-day tenure with fixed returns and without market risks. A depositor with this plan will be able to invest for 450 days or a little over 15 months and out of very attractive interest rate options compared to regular FD tenures. The scheme caters to the regular customers and senior citizens, who get the benefit of slightly higher rates.
Interest Rates and Earnings Potential
As of 2025, HDFC Bank is offering an interest rate of around 7.10% per annum for regular investors under this 450-day special FD. Senior citizens can earn up to 7.60%, making it one of the highest rewarding short-term deposit options. For example, ₹2 lakh invested at 7.10% annual interest could garner roughly ₹22,000 in returns at maturity, offering growth alongside financial security.
Investment Options and Online Access
In line with the concept of internet banks, HDFC offers a 450-day FD plan, which is accessible online and off-line, thus catering to all kinds of investors. Customers may easily open or renew FDs; this can be done either by using net banking or the HDFC mobile app. The bank also gives an option to prematurely withdraw and for taking a loan against FD, hence maintaining liquidity in times of emergency but without compromising the benefits of the said plan.
Safe and Reliable Investment Choice
Since the HDFC bank FDs are bank-related investments, therefore they come with a deposit insurance coverage of ₹5 lakh under the DICGC scheme, assuring complete safety for small investors. The 450-day scheme provides a perfect balance of quick access and handsome returns, becoming a primo choice of investors who wish to have their savings grow steadily throughout 2025.
