HDFC Bank Savings Account – Interest Rate 2025, Types, Eligibility, Documents required

HDFC bank offers a uniform rate of 2.50% p.a. on all savings account balances across all savings accounts to its customers. HDFC Bank offers a wide variety of savings accounts including a basic salary account to savings max, women’s special account, BSBDA, senior citizen special account & more. Read on to know about the types of savings accounts and how to open HDFC savings account online, the documents required to open a savings account and more.

HDFC Savings Account Interest Rate (Dec 2025)

Bank Account Balance	Interest Rate (p.a.)
Across All Account Balances	2.50%

Note: The interest rates are updated as on 18th December 2025 and are w.e.f. 24 June 2025.

Also Read: Top Savings Account Interest Rates

Types of HDFC Bank Savings Accounts

1. HDFC Regular Savings Account	2. HDFC Women’s Savings Account
3. HDFC Savings Max Account	4.HDFC Specialé Gold and Specialé Platinum
5.HDFC DigiSave Youth Account	6. HDFC Senior Citizen’s Account
7.HDFC Kids Advantage Account	8. HDFC Basic Savings Bank Deposit Account
9.HDFC Super Kids Savings Account	10. HDFC Instant Savings Account Online

HDFC Bank Savings Account – Features & Benefits (Dec 2025)

1. HDFC Regular Savings Account

Particulars	Details
Average Monthly Balance (AMB)	Rs. 10,000
Eligibility Criteria	Minors above the age of 10 years can open a self-operated minor account) Resident Individuals (sole or joint account) Hindu Undivided Families Foreign Nationals Residing in India*
ATM Charges & Monthly withdrawal limit	Free first 5 transactions per month in HDFC ATMs
Cheque Book Facility	Free Passbook and email statement facilities
Debit Card	Offered with following variants: Millennia Debit Card & MoneyBack Debit Card
Other Features	Accidental Health Cover up to Rs. 11 lakh Netbanking, Mobile Banking, Phone banking Free passbook & email statement facility Safe Deposit Lockers Access to HDFC credit card offers

*Foreign Nationals should be residing in India for more than 180 days and must possess valid passport & VISA, FRRO (Foreign Region Registration Office) Certificate, and a Residential Permit.

2. HDFC Bank Women’s Savings Account

Particulars	Details
Average Monthly Balance (AMB)	Rs. 10,000 (Metro / Urban branches) Rs. 5,000 (Semi-Urban / Rural branches) Waiver for the first year with preferential loan rates
Eligibility Criteria	The first account holder should be a woman Resident individuals (sole or joint account) Foreign Nationals residing in India
Daily cash withdrawal limit	Rs. 25,000
Daily Shopping Limit	Rs. 2.75 lakh
Cheque Book Facility	Free payable-at-par multi-city cheque book half-yearly (25 leaves)
Deals and Offers	5% CashBack on shopping via PayZapp and SmartBuy & Discount CAshback up to Rs. 1 for every Rs. 200 spent 50% Discount on GiftPlus Card Issuance
Other Features	Free passbook and e-mail statements Preferential Rates on 2-wheeler loans Accidental Death Cover of Rs. 11 lakhs International Air Coverage of Rs. 25 lakh Loss of checked baggage – Sum assured Rs. 2 lakh

3. HDFC Bank Savings Max Account

Particulars	Details
Loan Offers	Up to 90% financing on the on-road price of your vehicle and a 7-year tenure Save Rs. 2,375 with a 50% discount on processing fees for Two-Wheeler Loans
Average Monthly Balance (AMB)	Rs. 25,000 or FD of Deposit of Rs. 1.5 lakh in Metro/Urban branches Rs. 1 lakh in Semi-Urban/Rural branches
Eligibility Criteria	Resident Individuals (sole or joint account) Hindu Undivided Families Foreign nationals residing in India Minor above the age of 10 years (self-operated minor account)
ATM Charges & Monthly withdrawal limit	Free unlimited cash withdrawals and balance enquiries at all HDFC Bank ATMs and non-HDFC domestic ATMs 5 free cash transactions per month – Any branch Rs 2 lakh per month per account (Rs. 5 per thousand charged thereof)
Cheque Book Facility	Free Chequebook and email statement facility
Debit Card	Lifetime Free Platinum Debit card with up to 1% Cashback Account Opening Charges: Nil Daily cash withdrawal limit of Rs. 1 lakh Shopping limit of Rs. 5 lakh
Other Features	5% CashBack on shopping via PayZapp and SmartBuy 50% Discount on Gift Plus Card Air Accident Cover of Rs. 3 Cr Personal Accidental Death Cover of Rs. 10 lakh on Saving Max Account Personal Accidental Hospitalisation cover of Rs. 1 lakh per annum Personal Accidental Death Cover of Rs. 15 lakh on Platinum Debit Card

4. HDFC Specialé Gold and Specialé Platinum

Particulars	Details
Average Quarterly Balance (AQB)	Variant 1 (Gold): Rs. 1 lakh or FD of Rs. 4 lakh Variant 2 (Platinum): Rs. 3 lakh or FD of Rs. 8 lakh
Eligibility Criteria	Indian residents
ATM Charges & Monthly withdrawal limit	Gold / Platinum: Higher Cash Transaction Limit, Free Unlimited ATM transactions at HDFC bank ATM & 30 Free at non-HDFC bank domestic ATMs
Cheque Book Facility	Free chequebook
Debit Card	Gold: Lifetime free HDFC Platinum debit card worth Rs. 850 Nil Demat A/C opening charges Platinum: Free Online transactions through IMPS/NEFT/RTGS/UPI No charges for Cheque books
Other Features	Gold: Amazon Pay Gift card / Flipkart Voucher worth Rs. 1000 Quarterly vouchers of Rs. 300 on Uber, Swiggy, PVR, Apollo Pharmacy for 1st yearPlatinum: Insurance cover up to Rs. 15 lakh on your Platinum Debit Card Air Accident Cover of Rs. 3 Cr on your Platinum Debit Card

For complete details: HDFC Speciale

5.HDFC Bank DigiSave Youth Account

Particulars	Details
Average Monthly Balance (AMB)	Rs. 5,000
Eligibility Criteria	Resident Indian with minimum 18 years to 25 years of age
Debit Card	First year free MoneyBack Debit Card with daily domestic shopping limit of Rs. 3 lakh ATM cash withdrawal limit of Rs. 25,000 per day
Other Features	Fire and burglary Insurance cover of Rs. 2 lakh Additional CashBack on shopping via PayZapp and SmartBuy Free Balance Enquiry & TDS Certificate First year AMC waived off on opening a DEMAT Account Free mobile and e-mail alerts for transactions

6. HDFC Senior Citizen’s Account

Particulars	Details
Average Monthly Balance (AMB)	Rs. 5,000
Eligibility Criteria	All resident individuals (sole or joint) in the age group of 60 years and above
Daily ATM Cash Withdrawal and POS Limit	Rs. 50,000 / Rs. 3.5 lakh on Issued Free Rewards International Debit Card
Debit Card	Free Debit Card for Primary Account Holder
Other Features	Accident hospitalisation cover of Rs. 50,000 p.a. 5% CashBack on partner merchants (Smart Buy, PayZapp, Smart Bazar, BPCL (HDFC Bank Terminal), Snapdeal, IRCTC and Apollo Pharmacy) Death Cover by Air / Road / Rail – Sum Insured of Rs. 5 lakh Additional International Air Coverage of flat Rs. 25 lakh Preferential rates on FDs Free lifetime BillPay, email statements, SMS & InstaAlerts Free travellers’ cheques

7. HDFC Kids Advantage Account

Particulars	Details
Average Monthly Balance (AMB)	Rs. 5,000
Eligibility Criteria	Minors (up to 18 years old) By parent or legal guardian having a savings account in HDFC Bank
Daily ATM cash Withdrawal limit	Rs. 2500
Daily Spend Limit at Merchant outlets	Rs. 10,000
Debit Card	HDFC Kid’s Advantage Debit Card issued – ATM/International Debit Card Free Cash Withdrawals on any other Bank’s ATMs
Other Features	Free Education Insurance cover: Rs. 1 lakh (on the death of parent/guardian by vehicular accident) Option to set standing instructions for monthly fund transfer from parent’s account to the child’s account MoneyMaximizer Sweep-out facility: If balance reaches Rs. 35,000, excess of Rs. 25,000 to be transferred to FD of 1 year and 1 day Free passbook facility

8. HDFC Basic Savings Bank Deposit Account (BSBDA)

Particulars	Details
Average Monthly Balance (AMB)	Not required
Eligibility Criteria	Indian Resident Applicant should not have a Small Savings Account with any other bank Should not have an existing banking relationship with HDFC bank
Withdrawal limit	4 free withdrawals (cash, NEFT, RTGS, IMPS, DD, etc.) per month
Cheque Book Facility	Free chequebook per financial year (25 leaves) Additional chequebook @ Rs. 100 (Rs. 75 for senior citizen)
Debit Card	Free ATM/Rupay debit card
Other Features	5% CashBack on shopping via PayZapp and SmartBuy Free passbook, email statements and lifetime BillPay Free RuPay Debit Card to access your account Zero Balance Savings Account Safe Deposit Locker on request

9. HDFC Bank Super Kids Savings Account

Particulars	Details
Eligibility Criteria	Minor (up to 18 years old) By parents or legal guardian having a savings account in HDFC
Daily ATM Cash withdrawal / POS Limit	Rs. 2,500 / Rs. 10,000
Debit Card	Issues to minors above 3 years of age
Other Features	WhiteHat Jr – Promo code/ Udemy E-Gift voucher worth Rs. 5,000 NetMeds gift voucher worth Rs. 1,000/Apollo Pharmacy E-Gift worth Rs. 1,000/MediBuddy membership voucher worth Rs. 999 Hamleys E-Gift card/Myntra E-Gift card/Firstcry E-Gift card worth Rs. 1,000 Free education insurance cover of Rs. 5,00,000 in the event of death of the parent/guardian Option to set standing instructions for monthly fund transfer from parent’s account to the child’s account Money Maximizer facility: Automatic transfer of funds over and above Rs. 2,00,000 to an FD account Deposit experience giving a child the flexibility to deposit funds whenever available with small savings starting from Rs. 1,000 Free ATM transactions at all HDFC Bank ATMs and non-HDFC Bank domestic ATMs Free passbook facility
Cheque Book Facility	Free 25 cheque leaves per financial year Additional cheque book of 25 leaves @Rs. 100

10. HDFC Instant Savings Account Online

Particulars	Details
Average Monthly Balance (AMB)	Depends on the type of account
Eligibility Criteria	Individuals who are 18 years of age and above Resident individuals who do not have an existing HDFC account or salary account
Steps to open the account	Enter the details as per your Aadhar card Validate the details using the OTP Complete other account-related information Submit
Cash withdrawal limit	Limit depends on the type of account
Debit Card	You can withdraw money from HDFC Bank ATM without a Debit Card by simply pressing the cardless option on the ATM
Other Features	Send money and pay bills within 48 hours of account opening Transfer money to your account instantly Instant account number Instant access to Net/Mobile Banking
Cheque Book Facility	Depends on the type of account

Additional HDFC Bank Savings Accounts

Some other savings accounts offered  HDFC Bank are given below:

HDFC Basic Savings Bank Deposit Account (BSBDA) Small Account	HDFC Government Scheme Beneficiary Savings Account
HDFC Institutional Savings Account	HDFC Savings Farmers Account
HDFC Speciale Active	HDFC GIGA Savings Account
HDFC Pragati Savings Account (Farmer A/C)	HDFC Sepciale Senior Citizen & Women’s Savings Account

How to Open an HDFC Savings Account 

Most HDFC savings accounts can be opened online as well as offline. The bank has eradicated the need to perform KYC documentation through video KYC.

Steps to Open HDFC Bank Savings Account Online

An applicant won’t have to visit the bank branch to open the HDFC Bank savings account online. Even the offline KYC is not required as it can get authenticated using the video KYC. Follow the steps mentioned below to open HDFC Bank savings account online:

1. Visit the HDFC Netbanking portal or open the mobile banking app
2. Click on “Open Instantly” against your selected savings account option
3. Provide your mobile number and date of birth and verify using the OTP
4. Provide your name and then authenticate using the Aadhaar card or other KYC documents
5. Enter your contact details such as email ID and address as mentioned in the Aadhaar card
6. The bank may ask a few additional details
7. Once the application is complete, authenticate using video KYC
8. After successful verification, your bank account will be opened instantly

Steps to Open HDFC Bank Savings Account Offline

You can open an HDFC Savings account offline by visiting a nearby HDFC Bank branch. Here are the steps that you need to follow for the same:

1. Visit the HDFC Bank branch and request for an account opening form
2. Fill the form with required details and attach self-attested copies of the proof of address and identity
3. Submit the form and documents and provide original Aadhaar and PAN for verification
4. Submit the demand draft or check or cash for depositing the amount in the bank account
5. After proper verification, your bank account will be opened

You will get a savings account welcome kit containing the ATM card, chequebook and MITC documents.

How to Close an HDFC Savings Account

Follow these 3 simple steps to close your HDFC savings account offline, as online it is not permitted:

Step 1: To close your HDFC savings account, make sure there is no pending amount to be settled with the bank or the negative account balance remains zero.
Step 2: You are required to download and fill up the account closure form with all the required details.
Step 3: Visit your nearest HDFC bank branch and submit the application form along with relevant documents.

Documents Required for Opening an HDFC Savings Account

• PAN Card
• Address & Identity Proof (any of the following)
  • Aadhaar Card
  • Voter’s Card
  • Driving License
  • Passport
  • Certificate issued by the government (Central/State), etc.
• Passport-sized photograph(s)

FAQs

Q. Is Aadhaar mandatory to open an HDFC Bank account?

No. According to the latest guidelines, you are not required to provide your Aadhaar Card to open an HDFC bank account. This is applicable to all banks in the country.

Q. Will my HDFC Savings Account be deactivated, if it is not used for a long period of time?

Yes, if you do not perform any deposit or withdrawal transaction from your bank account for a minimum of 2 years, it shall be blocked and the status will be called ‘Dormant’. However, to re-activate your account you shall need to visit the nearest bank branch to submit your KYC along with the account activation request form.

Q. How can I add a nominee to my savings account in HDFC Bank via netbanking?

By following the below mentioned simple steps you can add a nominee via net banking:
Step 1: Login via netbanking by using your user ID and password
Step 2: Search and click on the request section of the ‘Accounts’ tab
Step 3: Select ‘View/Update’ nomination details
Step 4: Select the respective account you want to to update the nominee.
Step 5: Further, you may click on ‘Modify’ to modify the nominee details, as well as you can add a new nominee and replace an existing one
Step 6: After filling in all the details, click on ‘Confirm’

Q. Can I open a savings account in HDFC with zero balance?

Yes, you can open a HDFC Basic Savings Bank Deposit (BSBD) savings account . It is a Zero balance account, wherein you are not required to maintain any monthly balance.

Q. What is the minimum balance for HDFC savings account?

The minimum average balance for HDFC savings accounts is Rs. 10,000 for metro and urban areas, Rs. 5000 for semi-urban and Rs. 2500 for rural areas.

Q. How can I transfer my HDFC savings account to another branch of the bank?

You can transfer your HDFC savings account to a different branch by submitting an account transfer form, which needs to be signed by all the applicants. However, your account number, cheque book, debit card, etc. remains the same even after the transfer,

Q. What is the best HDFC Bank savings account interest rate?

At present, HDFC bank offers a uniform rate of 2.50% p.a. on all savings account balances across all savings accounts..

Q. How frequently is interest credited to my HDFC savings account?

Interest earned on your HDFC savings account balance is credited to your account on a quarterly basis.

Q. Is it possible to change my HDFC savings account from one account type to a different one?

Ans. Yes, you can change/upgrade your HDFC savings account type based on your needs. Please contact your relationship manager, the nearest HDFC bank branch or the customer service to get assistance with the same.