HDFC Bank - Pay, Save, Invest, Insure, Borrow with India's Most Trusted Bank

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.

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Types of Savings Accounts

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  • Premium
  • Senior Citizen
  • Women
  • Kids
  • Others

Savings Max Senior Citizen Account

Feature

  • Cyber Insurance Cover Up To ₹25,000*
  • Complimentary Doorstep Banking*
  • Auto Sweep Fd Facility

Offers

Swiggy, Zomato, BookMyShow on DC

Benefits:

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Savings Max Women's Savings Account

Feature

  • Complimentary Medibuddy Health Check Up*
  • Three Brand Vouchers From Amazon, Nyka, Swiggy, Zepto Worth ₹100 Each
  • Auto Sweep Fd Facility 

Offers

Swiggy, Zomato, BookMyShow on DC

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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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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Savings Max Senior Citizen Account

Feature

  • Cyber Insurance Cover Up To ₹25,000*
  • Complimentary Doorstep Banking*
  • Auto Sweep Fd Facility

Offers

Swiggy, Zomato, BookMyShow on DC

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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Savings Max Women's Savings Account

Feature

  • Complimentary Medibuddy Health Check Up*
  • Three Brand Vouchers From Amazon, Nyka, Swiggy, Zepto Worth ₹100 Each
  • Auto Sweep Fd Facility 

Offers

Swiggy, Zomato, BookMyShow on DC

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

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Giga Savings Account

Giga Savings Account

Feature

  • First Ever Bank Account Created For Gigsters
  • A Relaxed Average Quarterly Balance (aqb) Requirement
  • Many Options To Have Your Non Maintenance Charges (nmc) Waived

Offers

<p>Subscriptions, Book Offers, Health Offers</p>

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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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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