We offer superior fixed deposit rates compared to those offered by traditional bank FDs.
FDs, also called term deposits or time deposits, are financial instruments offered by HBF Nidhi. They allow individuals to deposit a sum of money for a fixed period at a predetermined interest rate that is generally higher than a regular savings account.
Interest Rate Structure
| Tenure | Interest Rate | Type |
|---|---|---|
| 1 Year | 9% p.a. | Non-breakable FD |
| 3 Years | 9.75% p.a. | Non-breakable FD |
| 5 Years | 11% p.a. | Non-breakable FD |
Key Features
- Fixed Tenure: FDs have a fixed maturity period ranging from one year to five years. We offer non-breakable FDs only — the principal cannot be withdrawn before maturity.
- Fixed Interest Rate: The interest rate is determined at the time of deposit and remains constant throughout the deposit period.
- Interest Payment: Interest can be paid along with the principal at maturity, depending on the terms agreed upon when opening the FD.
- Guaranteed Returns: Unlike market-linked instruments, your FD returns are fully guaranteed regardless of market conditions.
- Nomination Facility: Nominate a person to receive the FD proceeds in case of your demise.
- Duplicate Receipt: Lost FD receipt? Submit an indemnity bond and supporting documents to receive a duplicate.
Documents Required
- Valid KYC documents — Aadhaar Card, PAN Card, Voter ID, Passport, or Driving License
- Recent passport-size photographs (2 copies)
- Address proof — Electricity Bill, Telephone Bill, Bank Statement, or Lease Document
- Membership confirmation with HBF Nidhi Ltd.
Start Your Fixed Deposit Today
Earn up to 11% per annum on your savings with HBF Nidhi Fixed Deposit — far better than most bank FD rates. Visit any branch or contact us to get started.
Enquire Now →Bitiya Nidhi Dhan Yojana
A special Fixed Deposit scheme designed for the future of your daughter. Invest today to ensure her financial security for education, marriage, or any other life goal.
- Purpose: Build a dedicated corpus for your daughter's future needs — education, higher studies, marriage, or entrepreneurship.
- Attractive Rate: Enjoy enhanced interest rates under this special scheme.
- Long-Term Planning: Structured for parents looking to make a meaningful, secured investment for their children.
- Member Exclusive: Available only to HBF Nidhi members in good standing.
Contact your nearest HBF Nidhi branch for the latest rates and terms under this special scheme.
Enquire About This Scheme →Senior Citizen Fixed Deposit
HBF Nidhi offers a special Senior Citizen Fixed Deposit scheme with preferential interest rates for members aged 60 years and above.
- Enhanced Rate: Senior citizens receive additional interest benefits over standard FD rates.
- Easy Process: Simplified documentation and doorstep assistance available for senior members.
- Monthly Income Option: Opt for monthly interest payouts to supplement your regular income.
- Nomination: Full nomination facility — protect your family's future with ease.
- Maturity Flexibility: Choose the tenure that best suits your retirement planning — 1, 3, or 5 years.
Our relationship managers are available for home visits to assist senior citizens with all documentation and account opening.
Get Senior Citizen FD Details →