CIN: U66010KA1990PLC011409

  • TDS will be applicable on the interest earned as per the prevailing rate
  • Rates are subject to change from time to time. For interest rate, please Click here Interest Rates
  • Minimum deposit amount shall be ₹ 5,000 and thereafter in multiples of Rs 1,000
  • Tenure of Deposit are as follows:
    • Minimum - 12 months, Maximum -120 months
  • For additional terms and conditions please Click here Features & Rates
  • The rates auto populated are for Resident deposits
  • Interest Computations for Cumulative option are based on Half-yearly compounding
  • Interest rates are subject to change and they will be applicable on actual date when deposit is made. Please contact the branch before investing
  • Read the disclaimers shown in the Fixed Deposit Application Form carefully before investing. All Fixed Deposits investments are subject to terms & conditions mentioned in the annexure to the Application Form

Fixed Deposits

Fixed Deposit Calculator


(Incl. Interest)

Features & Rates

Interest Rates offered under Fixed Deposit Schemes:

  • At present, the Rate of interest offered ranges from 8.50% p.a. to 9.40% p.a. (for Half Yearly Compounding Deposit Schemes) and from 8.68% p.a. to 9.62% p.a. (for Annual Compounding Deposit Schemes) and the tenure ranges from 12 months to 120 months
  • Additional Interest Rate of 0.05% p.a. for Women Depositors i.e., Deposits with Women as First Applicant. However this additional interest rate of 0.05% shall not be applicable for Privilege Category Customers.
  • Additional Interest Rate of 0.15% p.a. on Renewals where deposit is renewed on or before the maturity date
  • Option of Auto Renewal / Auto Repayment
  • Facility of Loan against FD
  • Trust Deposit placed with Aadhar Housing Finance Ltd. qualifies as Specified Investment, as defined under the Section 11 (5) (ix) of the Income Tax Act, 1961
  • Deposit received from Non-Resident Indians (NRIs) shall be as per NHB Regulation read along with Notification No. FEMA.5/2000-RB dated 3rd May, 2000 issued by RBI. The tenure of NRI deposit shall be from 1 year to 3 years only.
  • For Fresh Deposits, the Minimum Deposit Amount shall be Rs.5000/- and thereafter in multiples of Rs.1000/-
  • In case of renewal of Matured Cumulative Fixed Deposits, the total maturity value including interest amount will be rounded off to the nearest rupee. Such Renewed Fixed Deposits may be odd amounts in multiples of Rs.1/- for which the consent of the depositor will be taken at the time of accepting deposits.
  • For Non-Cumulative Deposit Schemes, Interest will be paid either monthly / quarterly / half-yearly / annual basis as selected by the customer at the time of application
  • For Cumulative Deposit Schemes, Interest will be compounded half yearly, on 31st March and 30th September of every year after deducting tax, wherever applicable. The Principal along with Interest will be paid on maturity once the discharged deposit receipt is received by us.
  • Interest will be paid by way of NACH
  • With effect from 2nd March, 2019, CRISIL has revised the rating on Fixed Deposits of Aadhar Housing Finance Ltd to: FA+/(Watch) Negative. Click to view Rating Rationale

Category

Tenure (Months)
Non-Cumulative Deposits Cumulative Deposits
Monthly % p.a. Quarterly % p.a. Half Yearly % p.a. Annual % p.a. Rate % p.a.
(Half Yearly Compounding)
$Maturity Value for
Rs.1 lakh
$Indicative Yield
% p.a.
128.35%8.41%8.50%8.68%8.50%1,08,6818.68%
248.59%8.66%8.75%8.94%8.75%1,18,6829.34%
368.84%8.90%9.00%9.20%9.00%1,30,22610.08%
488.84%8.90%9.00%9.20%9.00%1,42,21010.55%
608.84%8.90%9.00%9.20%9.00%1,55,29711.06%
618.64%8.71%8.80%8.99%8.80%1,54,92510.80%
728.64%8.71%8.80%8.99%8.80%1,67,65111.28%
848.64%8.71%8.80%8.99%8.80%1,82,72911.82%
968.45%8.51%8.60%8.78%8.60%1,96,13212.02%
1208.45%8.51%8.60%8.78%8.60%2,32,10613.21%
Tenure (Months)
Non-Cumulative Deposits Cumulative Deposits
Monthly % p.a. Quarterly % p.a. Half Yearly % p.a. Annual % p.a. Rate % p.a.
(Half Yearly Compounding)
$Maturity Value for
Rs.1 lakh
$Indicative Yield
% p.a.
128.59%8.66%8.75%8.94%8.75%1,08,9418.94%
248.84%8.90%9.00%9.20%9.00%1,19,2529.63%
369.22%9.29%9.40%9.62%9.40%1,31,72910.58%
489.22%9.29%9.40%9.62%9.40%1,44,40211.10%
609.22%9.29%9.40%9.62%9.40%1,58,29511.66%
619.03%9.10%9.20%9.41%9.20%1,57,96911.40%
729.03%9.10%9.20%9.41%9.20%1,71,54611.92%
849.03%9.10%9.20%9.41%9.20%1,87,69112.53%
968.84%8.90%9.00%9.20%9.00%2,02,23712.78%
1208.84%8.90%9.00%9.20%9.00%2,41,17114.12%
Privilege category customers include Senior Citizens, Defence Personnel and Group Companies Employees.
Interest Rate effective from 1st November, 2018

Overview

Aadhar Housing Finance Limited (AHFL) is a Deposit-taking Housing Finance Company, licenced and regulated by National Housing Bank (NHB). NHB is a wholly owned subsidiary of Reserve Bank of India (RBI).

Because, your money is bound to grow faster with us

Aadhar Housing Finance Ltd. (AHFL) offers Fixed Deposits with assured higher returns. This sets us apart from other Non-banking Finance Companies or scheduled commercial banks. Our commitment over the years has led people to place a strong faith in us. Today, the High Net-worth Individuals, the Upper Middle Class, theMiddle class, Companies, Trusts and Societies across India trust us with their money. We've been known in the market for prompt customer services over last 20 years.

Because, our half-yearly compounding interest yields better returns

Our current half-yearly compounding rate of interest ranges between 8.5% and 9.40% . When deposits are compounded every six months with this kind of a rate of interest, it brings in higher returns to our customers as compared to the normal yearly compounding. This makes our interest rates the most competitive and attractive in the market and gives us an edge over others.

Because, we offer auto renewal and auto payment facilities

On completion of the stipulated tenure of Fixed Deposit, we have the option of auto renewal. This comes in handy in cases where our customers forget to renew their deposits. The renewal is done on the applicable / published rate of interest on the date of maturity. We also reward the existing customer with an additional rate of 0.15% p.a. on renewals, where the deposit is renewed on or before the maturity date. In addition, customers can also exercise the auto payment option as and when needed, where we deposit the matured amount to the customers’ Bank accounts.

Open a Fixed Deposit with Aadhar Housing Finance today…

You can open a Fixed Deposit with AHFL with a minimum deposit of Rs. 5000 and thereafter in multiples of Rs. 1000, one can start a Fixed Deposit with AHFL.

Cumulative Fixed Deposit Annual ROI ranges between 8.68 % p.a. and 9.62%p.a., and the tenure ranges from 12 to 120 months.

Non-Cumulative has an option of Monthly, Quarterly, Half yearly and Annual interest payment.

We also offer an additional rate of interest of 0.05% per annum for women depositors, where women are the first applicants and Regular Category Customers.

Customer can avail a loan against the Fixed Deposit up to 75% of the FD amount. The ROI of the loan will be just 2% higher the Fixed Deposit interest rate provided the deposit has run for a minimum period of three months.

For General Terms and Condition governing the AHFL Public Deposit Schemes, please read the Fixed Deposit application form. The Form can be downloaded from: https://aadharhousing.com/pdf/Fixed-Deposite-Form.pdf

FAQs

You can either come to an AHFL branch or meet a AHFL Empaneled broker to start a Fixed Deposit. An AHFL Customer Service Executive will be there to assist you. Also,you can download AHFL Fixed Deposit application form from: https://aadharhousing.com/pdf/Fixed-Deposite-Form.pdf For any queries, call our Customer Service on 180030042020

You can start with a minimum deposit of Rs. 5000. Thereafter, you can start depositing any amount in multiples of Rs. 1000.

Half-yearly rate of interest ranges between minimum of 8.50% and maximum of 9.40% per annum while yearly rate of interest ranges from minimum of 8.68% to maximum of 9.62% per annum. Please refer to FD Application Form for terms and condition - https://aadharhousing.com/pdf/Fixed-Deposite-Form.pdf

You can opt for a tenure of between 12 to 120 months or one year to 10 years.

You can opt for a tenure of 12 to 36 months or one year to three years.

Yes, when deposits are renewed on or before the maturity date, we offer an additional interest rate of 0.15% per annum.

Yes, they are given an additional rate of interest of 0.05% per annum, provided they are the first applicants. However, this additional interest rate of 0.05% shall not be applicable for Privilege Category customers.

Privilege category customers include Senior Citizens, Defence Personnel and Group Companies Employees.

Yes, it does.

In case of renewal of Matured Cumulative Fixed Deposits, the total maturity value including interest amount will be rounded off to the nearest rupee. Such Renewed Fixed Deposits may be odd amounts in multiples of Rs.1/- for which the consent of the depositor will be taken at the time of accepting deposits.If the mandate remains the same, only New Application Form should be given.

For Cumulative Deposit Schemes, interest will be compounded half yearly, on 31st March and 30th September of every year after deducting tax, wherever applicable. The Principal along with interest will be paid on maturity once the discharged deposit receipt is received by us.

For Non-Cumulative Deposit Schemes, interest will be paid either monthly or quarterly or half-yearly or an annual basis as selected by the customer at the time of application.

Yes, you can nominate any relative you choose.

As per Income Tax Act 1962, tax is deducted at source from the interest on Fixed Deposit. You become liable for TDS if the aggregate interest that you earn from the single or multiple deposits exceeds Rs. 5000 in a financial year.

We have auto payment option where we credit the matured amount into the same bank account from where the investment was received or as per the bank mandate given by the depositor at the time of FD Application or on the maturity date.

You cannot withdraw for 3 months as it’s the lock in period. You can withdraw after 3 months.

In the event of the Fixed Deposit being closed after 3 months but before the completion of 6 months – Interest rate payable will be 4% to individual depositors and no interest for other category of depositors.

In the event of the Fixed Deposit being closed after 6 months but before reaching maturity date – Interest payable shall be 1% lower than the interest rate applicable to a public deposit for the period for which the deposit has run. If no rate has been specified for that period, then 2% lower than the minimum rate (at which public deposits are accepted by the company) will be applicable.

Downloads

Branch Locator

Find nearest branch


Customer Service

Customer Service

For customer grievances, enquiry, feedback please email your concerns/issues to or
Call us at : 1800 3004 2020 (Toll Free)