Savings Account

A Savings Account is a type of deposit where you can keep your funds, earn interest on the account balance, and enjoy easy access to your money. Start your banking journey with an HDFC Bank Savings Account and explore a wide range of features, benefits, and exclusive offers available across different account variants.

HDFC Bank Savings Accounts provide 24x7 access to your funds through NetBanking, MobileBanking, and a wide network of branches and ATMs. Enjoy the benefits of HDFC Bank Debit Cards, including lifestyle and healthcare privileges, and make convenient fund transfers. You can also open a Bank Account online with Video KYC and verify your identity remotely through a secure video interaction.

Open an HDFC Bank Savings Account to make the most of your savings.

What’s in store for you

Savings Account
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₹
₹300000 ₹5000000

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Types of Savings Accounts

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  • Premium
  • Senior Citizen
  • Women
  • Kids
  • Others

Specialé Platinum Savings Account

Feature

  • First Year Taj Epicure Membership ₹ 20,000+
  • Aiport Lounge Access
  • Lifestyle Vouchers Over ₹ 2,000*
  • Minimum Balance Requirement : ₹ 3 Lakhs

Offers

Taj, Amazon, Flipkart, Apollo Pharmacy, Myntra

Benefits:

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Specialé Gold Savings Account

Feature

  • 5% Cashback On Amazon, Flipkart, Myntra, Swiggy, Zomato And More.
  • ₹1000 Worth Gift Voucher On Spends Of ₹1 Lakh Per Calendar Quarter
  • Get 10% Additional Discount On Swiggy Dineout

Cashbacks On:

Amazon, Flipkart, Myntra, Swiggy, Zomato & many more

Benefits:

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Speciale Senior Citizen Savings Account

Feature

  • Cyber Fraud Cover 1.5 Lakhs*
  • Complimentary Eldercare Services
  • Compliimentary Doorstep Banking*
  • Minimum Balance Requirement : ₹ 1 Lakh

Offers

Samarth, Amazon, Uber, Apollo Pharmacy, Swiggy, Zomato

Benefits:

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Speciale Gold Women's Savings Account

Feature

  • Cancer Cover Worth 5 Lakhs*
  • Customised Investment Solutions
  • Health Check Up Worth 2,000*
  • House Insurance Worth 5 Lakhs*
  • Minimum Balance Requirement : ₹ 1 Lakh

Offers

MediBuddy, Amazon, Flipkart, Uber, Swiggy, PVR, Apollo Pharmacy

Benefits:

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Savings Max Account

Feature

  • Fd Like Higher Returns On Surplus Savings
  • Hospitalisation Cover Of Up To 1l
  • Hospicassh: ₹ 1000x30 Days
  • Minimum Balance Requirement : ₹ 25,000

Benefits:

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Specialé Platinum Savings Account

Feature

  • First Year Taj Epicure Membership ₹ 20,000+
  • Aiport Lounge Access
  • Lifestyle Vouchers Over ₹ 2,000*
  • Minimum Balance Requirement : ₹ 3 Lakhs

Offers

Taj, Amazon, Flipkart, Apollo Pharmacy, Myntra

Benefits:

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Speciale Gold Women's Savings Account

Feature

  • Cancer Cover Worth 5 Lakhs*
  • Customised Investment Solutions
  • Health Check Up Worth 2,000*
  • House Insurance Worth 5 Lakhs*
  • Minimum Balance Requirement : ₹ 1 Lakh

Offers

MediBuddy, Amazon, Flipkart, Uber, Swiggy, PVR, Apollo Pharmacy

Benefits:

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Speciale Senior Citizen Savings Account

Feature

  • Cyber Fraud Cover 1.5 Lakhs*
  • Complimentary Eldercare Services
  • Compliimentary Doorstep Banking*
  • Minimum Balance Requirement : ₹ 1 Lakh

Offers

Samarth, Amazon, Uber, Apollo Pharmacy, Swiggy, Zomato

Benefits:

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Senior Citizen's Account

Feature

  • Doorstep Banking* (over 70 Years)
  • Hospitalisation Benefits Up To 50,000*
  • Earn Additional 0.5% On Fd
  • Minimum Balance Requirement : ₹ 5,000

Offers

Demat, FD

Benefits:

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Speciale Gold Women's Savings Account

Feature

  • Cancer Cover Worth 5 Lakhs*
  • Customised Investment Solutions
  • Health Check Up Worth 2,000*
  • House Insurance Worth 5 Lakhs*
  • Minimum Balance Requirement : ₹ 1 Lakh

Offers

MediBuddy, Amazon, Flipkart, Uber, Swiggy, PVR, Apollo Pharmacy

Benefits:

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Women's Savings Account

Feature

  • Insurance Cover Of 11 Lakhs*
  • Fd Like Higher Returns On Surplus Savings
  • Preferential Rates On 2 Wheeler Loans
  • Minimum Balance Requirement : ₹ 10,000

Offers

Demat, Loans, Gift card

Benefits:

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Super Kids Savings Account

Feature

  • Build Their Future: Sips Or Flexi Rds For Their Future
  • Shopping Offers For Kids
  • Free Education Insurance Cover Worth 5 Lakhs*
  • Minimum Balance Requirement : ₹ 1 Lakh

Offers

Firstcry, Hamleys, Myntra, NetMeds, Apollo Pharmacy, Medibuddy

Benefits:

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Kids Advantage Account

Feature

  • Free Insurance Cover Worth 1 Lakh*
  • Fd Like Higher Returns On Surplus Savings
  • Debit Card Issued To Kids* With Card Control
  • Minimum Balance Requirement : ₹ 5,000

Offers

Demat, Sweep in FD

Benefits:

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Specialé Activ Account

Feature

  • Si Registered For Home Loan Repayment
  • Fire Insurance Up To 10 Lakhs
  • Lifestyle Vouchers Over ₹ 2,200*
  • Si Registered For Home Loan Repayment

Offers

Amazon, Flipkart, Uber, Swiggy, Swiggy, PVR, Apollo Pharmacy

Benefits:

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Savings Max Account

Feature

  • Fd Like Higher Returns On Surplus Savings
  • Hospitalisation Cover Of Up To 1l
  • Hospicassh: ₹ 1000x30 Days
  • Minimum Balance Requirement : ₹ 25,000

Benefits:

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Regular Savings Account

Feature

  • Exclusive Discounts And Offers On Smartbuy
  • Fd Like Higher Returns On Surplus Savings
  • Accidental Death Cover Up To ₹11 Lakh*
  • Minimum Balance Requirement: ₹10,000
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Pragati Savings Account 

Feature

  • Special Benefits On Bighaat (e Commerce Platform)
  • Cattle Insurance With Hdfc Ergo
  • Dedicated Helpline For Any Agriculture Queries
  • Minimum Balance Requirement : ₹ 2,500

Offers

Insurance, Kisan Gold Card, Tractor Loan

Benefits:

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DigiSave Youth Account

Feature

  • Digital Platform For All Your Needs
  • First Year Free Debit Card
  • Around The Year Offers On All Categories
  • Minimum Balance Requirement : ₹ 5,000

Offers

Education Loan, Forex Card, Insurance

Benefits:

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Basic Savings Bank Deposit Account

Feature

  • Safe Deposit Locker
  • Free Rupay Card
  • Free Passbook Facility
  • Zero Balance

Offers

Billpay, Cheque book, email statement

Benefits:

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Ways to Open a Bank Account

Know More About HDFC Bank Savings Accounts

A Digital Savings Account is a type of deposit account designed to help you manage and grow your funds securely while earning interest. One key benefit of a Savings Account is its high liquidity, allowing you to withdraw funds whenever necessary.

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This account is tailored to encourage you to save money for various financial goals. You can conveniently use the funds in your Savings Account for expenses such as bill payments or shopping, facilitated through our Debit Card, NetBanking, or Mobile Banking services.

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Additionally, you can transfer money from your Savings Account to other bank accounts seamlessly via electronic payment systems and withdraw cash at ATMs using your Debit Card.

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HDFC Bank provides a diverse range of Savings Account types to meet the unique savings requirements of different individuals, all while ensuring the highest levels of security and trust we are known for.

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Although a simple form of savings, a Savings Account comes with notable features:

Attractive interest earnings

With a Savings Account, you can make your hard-earned money work for you with our attractive Savings Account interest rates. With HDFC Bank, you can avail yourself of interest rates across all account balances 2.50%. 

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Online banking provisions

Our NetBanking and Mobile Banking platforms allow you to access and manage your Savings Bank Account facilities, regardless of geography. With our online banking platforms, you can check your account balance, view account statements, request chequebooks, open Fixed Deposits and more.

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Debit Card facilities

You can use a secure Debit Card with your HDFC Bank Savings Account. The Debit Card allows you to pay for online and offline spending and withdraw cash from ATMs. What’s more? Our Debit Cards also come with various insurance benefits that differ across card variants.

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Quick fund transfers

Thanks to online banking, you can send money to other bank accounts at any time and from any place. We facilitate online fund transfers via National Electronic Fund Transfer (NEFT), Real Time Gross Settlement (RTGS), Immediate Payment Service (IMPS), and Unified Payments Interface (UPI). 

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Convenient bill payments

Thanks to our swift and secure online bill payment interface, long queues for paying bills are a thing of the past. With our NetBanking and MobileBanking platform, you can pay utility bills instantly, be it electricity, water, property tax, etc. Plus, you can provide standing instructions to automate recurring bill payments.

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Here’s why a Savings Account continues to remain the preferred tool for placing your surplus funds:

High liquidity

You can withdraw your Savings Account funds at will.
A Debit Card allows you to withdraw cash from ATMs at your convenience.

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Facilitates digital transactions

Your Savings Account can facilitate digital payments through Debit Cards, Netbanking, or UPI. Digital banking platforms allow electronic fund transfers between accounts.

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Automated debits

You can enable the auto-debit facility in your Savings Account for various investments, utility bill payments, loan repayments via Equated Monthly Installments (EMIs), etc.

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Insured savings

A digital Savings Account offers a secure way of depositing money. Your account deposits are insured by the RBI-owned Deposit Insurance and Credit Guarantee Corporation (DICGC) for up to ₹5 lakh.

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The following entities can open a Savings Account with HDFC Bank:

Resident individuals (can open and operate the Account solely or jointly)
Members of Hindu Undivided Families (HUF)
Minors above ten years of age can open and self-operate a Savings Account and get access to ATM/Debit Card facilities. Foreign nationals residing in India for more than 180 days are also eligible to open a Savings Account.

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Note that there are no particular fees for opening a Savings Account online. Depending on your Savings Account type, you may have to pay a minimum initial deposit amount. You must also keep in mind the following associated charges that can differ depending on your Savings Account type:

Non-maintenance of account balance
Duplicate passbook issuance
Exhausting the number of free cash transactions
Additional cheque book
Debit Card replacement charges
Debit return charges
Standing instruction rejects
Fund transfers at a bank branch
You can find the complete schedule of Savings Account charges here. 

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When opening an online Savings Account, you must consider the following factors:

Minimum initial deposits

To activate your savings account, you may have to pay a certain deposit amount,
which can vary depending on the Savings Account variant.

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Average monthly balances

You may have to maintain a specific balance in your Savings Account every month. Otherwise, the bank will levy penalties for non-maintenance of account balance.

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Limits on transactions

The bank may limit the frequency and value of transactions for your Savings Account.
Exceeding those limits can result in penalties.

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Fees & charges

Ensure you follow the fee schedule associated with your savings account variant.
Such information is readily available on our website.

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*The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.

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Here's what our customers have to say.

Trusted by 1 Cr+ Happy Customers.

I've been using the HDFC Bank Salary Account and it's been smooth — no minimum balance needed, and I earn some interest too. The debit card comes with perks like lounge access and reward points, which I can easily redeem through NetBanking or PhoneBanking. I would recommend making the most of Cashback deals and PayZapp just like I do.

Sameer Sahu

I have been using my HDFC Bank savings account for more than 2 years. My overall experience has been very good. The mobile app is simple to use from any of my devices, and online banking helps me save a lot of time. ATMs are easy to find and always work when I need them.

Ankit Badoni

My experience with an HDFC Bank Savings Account has been positive. The digital banking experience is seamless; opening my account online took just 10 minutes as I completed video KYC from home. The user-friendly mobile app provides 24/7 access to transactions, bill payments, and fund transfers. Overall, HDFC Bank's Savings Account is a great choice for digital convenience. They also have a very wide service network of branches, though some customers report inconsistent service and delays in issue resolution.

Jitendra Tiwari

I’ve been using my HDFC Bank Salary Account for a while now, and it’s been really convenient. My salary gets credited on time every month and there’s no need to maintain a minimum balance, which means I don’t have to worry about transferring money around just to avoid charges.

Aayush Anupam

The free ATM Card that comes with my account gives me airport lounge access, which is nice. The Mobile Banking app is convenient for checking transactions, bank statement, etc. Overall the banking experience is smooth and fast. I also have a relationship manager who I can reach out to any time for any queries and requests.

Cynthia D'Souza

My HDFC Salary Account has been great so far. Everything works smoothly online and services are quick. I just wish they gave more personalized deals or offers.

Siddhesh Dabholkar

I've had a great experience with my HDFC Bank Savings Account—everything from opening the account online to daily transactions has been smooth and hassle-free. The mobile app is super easy to use, and I love how I can manage almost everything digitally without visiting a branch. Plus, the debit card perks and wide ATM network make banking really convenient for me.

Shalini Jadhvani

HDFC Bank is one of the best, especially when it comes to new offers. I have been using SmartBuy and Payzapp to get often get deals as well as CashBack on my day-to-day spends (even utility bills).

Pranay Sharma

I've had an excellent experience with my HDFC Bank salary account. Setting it up was easy and quick, I got my debit card and welcome kit also promptly.

Yash Setpal

I’ve been banking with HDFC for about 9 years now, and honestly, it’s been a really good experience. Whenever I’ve had to call customer support, they’ve been helpful and quick to sort things out. I’ve never had any major issues with my account, and I always feel like I can trust HDFC with my money. One thing that stands out is how easy it was for me to get a personal loan online. Since I’ve been a customer for so long, the bank offered me a really good interest rate, and the whole process was fast with minimal paperwork. I’d definitely recommend it to anyone looking for a reliable bank.

Kalpesh Shirke

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Frequently Asked Questions

A Savings Account is a bank account opted for by many who wish to save a certain part of their earnings. It is a type of bank account wherein you can park your funds, earn interest on the same, and also withdraw money at any time. It provides the convenience of liquid funds.

To open a Savings Account at HDFC Bank, you can easily start the process online. Click here to begin your online bank account opening process, right from the comfort of your home. At HDFC Bank, you can also opt for the Video KYC (Know Your Customer) facility to avoid an in-person visit to the bank branch. Once your account is opened, you’ll receive your account number and a welcome kit with a cheque book and debit card Debit Card at your registered address. 

An online Savings Account at HDFC Bank offers a secure place to store your money, with the added benefit of earning interest. It also provides convenient features like Online Banking, ATM access, and the option for a free Debit Card.

Listed below are the documents one must keep handy when applying for an HDFC Bank Savings Account: 

- Identity Proof (driver’s license, passport, etc.)

- Address Proof (driver’s license, passport, etc.)

- PAN card

- Form 16, which is a certificate issued by the applicant’s employer, asserting that TDS has been deducted from your salary. This is needed here if the applicant does not have a PAN card.

-Two recent passport-sized photographs

Here is a list of acceptable identity/address proof documents: 

-Valid Passport

-Voter's Identity Card issued by the Election Commission of India

-Valid Permanent Driving License

-Aadhaar

-Job card issued by NREGA duly signed by an officer of the State Government

-Letter issued by the National Population Register containing details of name and address

-Online account opening can be easily done through Aadhaar, PAN Card, and an operational mobile number.

There are different types of Savings Accounts one can opt for at HDFC Bank, such as Regular Savings Account, DigiSave Youth Account, Women's Savings Account, and Senior Citizens Savings Account, to name a few. The saving bank account variants are designed to meet the needs of our varying customer groups.

A Digital Savings Account is a type of Bank Account designed to help you manage and grow your funds securely while earning a competitive savings interest rate. One of the key benefits of a Digital Savings Account is its high liquidity, allowing you to withdraw funds whenever necessary. 
 
This account is tailored to encourage you to save money for various financial goals. You can conveniently use the funds in your Savings Account for expenses such as bill payments or shopping, facilitated through our Debit Card, NetBanking, or Mobile Banking services. Additionally, you can transfer money from your Savings Account to other bank accounts seamlessly via electronic payment systems and withdraw cash at ATMs using your Debit Card. 
 
HDFC Bank provides a diverse range of Digital Savings Account types to meet the unique savings requirements of different individuals, all while ensuring the highest levels of security and trust that we are known for.

The minimum balance requirement or average monthly balance (AMB) requirement varies with the type of Digital Savings Account chosen by the customer as well as the location of the account holder. For instance, a minimum initial deposit of ₹7,500 for metro/urban branches, ₹5,000 for semi-urban branches, and ₹2,500 for rural branches is required to open an HDFC Bank Regular Savings Account. 

Take a look at the table below to get an idea of the interest rates on offer on an HDFC Bank Savings Account:  

From June 24th, 2025, the Savings Account Interest Rate has been revised as follows :
 

Savings Account Balance Interest Rate p.a
Across All Account Balances     2.50%

Note: 

- Savings Account interest will be calculated on the daily balances maintained in your account. 

- Savings Account interest will be paid at quarterly intervals.

There are a couple of ways to transfer money from your saving bank account. Firstly, you can use a Mobile Banking app to transfer funds almost instantly, from your Digital Savings Account to that of another individual. Then there is the option of using NetBanking facility to transfer money quickly and easily via the digital mode. You also have the option of visiting a bank branch in person and transferring funds from your bank account. 

Choosing a Savings Account that suits your individual needs is extremely important. At HDFC Bank, you can compare different Savings Bank Account variants available to our customers and pick the one that best suits your requirements. The key factors to consider are the interest rates on offer, the minimum monthly balance requirements, and various requirements pertaining to cash withdrawal.

Go digital with a secure, paperless account.

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