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Aashray Deposit Plus – Individuals

DHFL ‘Aashray Deposit Plus’ is a Fixed Deposit Scheme offering attractive interest rates and high annual yields to individual investors. Rated CARE AAA (FD) by CARE and BWR FAAA by Brickworks, DHFL FDs assure customers highest safety and excellent credit quality. In addition, Aashray Deposit Plus offers high Rate of Interest, starting from 10.00% to 11.25% and yield ranging from 10.25% to 18.49% along with free insurance cover of ` 1 lakh to all first depositors. DHFL Aashray Deposit Plus can be availed with a minimum deposit of ` 10,000/- from any DHFL office across 447 locations in the country.

Ratings:

CARE AAA (FD)

Indicates Highest Quality by all Standards and Highest Investment Safety

BWR (FAAA)

Indicates Excellent Credit Quality & High Investment Safety








Fixed Deposit Renewal Policy:

With effect from the 1st April, 2014, Fixed Deposit will be renewed from the maturity date at the rate prevailing on the said date, if renewal request is received within 6 months of the maturity date, the FDR value date in such case will be the deposit maturity date and not the date of receiving request from the branch.

If the deposit renewal request is received after 6 months from the deposit maturity date, the value date of the renewed deposit will be the date on which FDR along with renewal request is received at the branch and not the maturity date. The rate of interest applicable on the renewed FD will be the rate prevailing on the date the FDR is received at the branch and not the rate prevailing on the date of maturity.

If the deposit renewal request is received after 6 months from the deposit maturity date, no interest will be payable on the deposit for the interim period between the date of maturity and the date of renewal.

Highlights:

  • Safe, Secure Earnings of Short/Medium/Long term investment
  • High Returns for Longer Tenure up to 120 months
  • Additional earnings for Senior Citizens, existing DHFL Home Loan borrowers & DHFL Shareholders, Armed Forces Personnel and Widows
  • Liquid Investments
  • Prompt / Timely payments
  • ECS facility for interest payments
  • Hassle free process
Product Features
Features 14 month Deposit 40 Month Deposit 12 – 120 Month Deposit
Interest Rate up to 11.25% 11.00% 10.75%
Yield up to 11.69% 12.52% 18.49%
Minimum Deposit Amount (In `) ` 10,000 ` 2,000 ` 2,000
Duration of deposit Short Term Medium Term Flexible Tenure
Cumulative compounded Half Yearly Yearly Half Yearly
Periodic Interest Payable (Non Cumulative) Yearly / Half Yearly / Quarterly / Monthly
` 25 lac and above deposit (0.25% additional ROI) Yes NA Yes
Privileges (Y/N) (0.50% additional ROI) Yes
Accidental Death Insurance Yes
Tax Exemption on Interest upto ` 5,000/- Yes

 

Cumulative Scheme
Period in months Deposit < ` 25 Lacs Deposit ` 25 Lacs and above
General Customer Privilege Customer General Customer Privilege Customer
ROI (%p.a.) Annual Yield ROI (%p.a.) Annual Yield ROI (%p.a.) Annual Yield ROI (%p.a.) Annual Yield
12 10.00 10.25 10.50 10.78 10.25 10.51 10.75 11.04
14 10.50 10.88 11.00 11.42 10.75 11.15 11.25 11.69
24 10.00 10.78 10.50 11.36 10.25 11.07 10.75 11.65
36 10.00 11.34 10.50 11.98 10.25 11.66 10.75 12.30
40 10.50 11.88 11.00 12.52 10.50 11.88 11.00 12.52
48 10.00 11.94 10.50 12.65 10.25 12.29 10.75 13.00
60 10.00 12.58 10.50 13.36 10.25 12.97 10.75 13.76
72 10.00 13.26 10.50 14.13 10.25 13.69 10.75 14.57
84 10.00 14.00 10.50 14.96 10.25 14.47 10.75 15.45
96 10.00 14.79 10.50 15.84 10.25 15.31 10.75 16.39
108 10.00 15.63 10.50 16.80 10.25 16.21 10.75 17.40
120 10.00 16.53 10.50 17.83 10.25 17.17 10.75 18.49
Minimum Deposit for 14 months ` 10,000/- for others ` 2000/- • Additional Deposit over the minimum amount to be in multiples of ` 1,000/-
• Compounded Half yearly * 40 months Compounded Annually
Non Cumulative Scheme
Period in months Deposit < ` 25 Lacs Deposit ` 25 Lacs and above
Yearly Half Yearly Quarterly Monthly Yearly Half Yearly Quarterly Monthly
12-120 months 10.25 10.00 9.88 9.80 10.51 10.25 10.12 10.04
12-120 months Privilege 10.78 10.50 10.36 10.28 11.04 10.75 10.61 10.51
14 months 10.78 10.50 10.36 10.28 11.04 10.75 10.61 10.51
14 months Privilege 11.30 11.00 10.85 10.75 11.57 11.25 11.09 10.99
40 months 10.50 10.23 10.10 10.02 10.50 10.23 10.10 10.02
40 months Privilege 11.00 10.71 10.56 10.47 11.00 10.71 10.56 10.47
• Minimum Deposit for monthly interest plan is ` 20,000/- • Minimum Deposit for others ` 10,000/-
• Interest payments through ECS • Additional Deposit over the minimum amount to be in multiple of ` 1,000/-

Aashray Deposit Plus 12 to 120 Months, 14 Months, 40 Months – All Investors

For more details get in touch with us or just fill up the Enquiry form alongside.
Call toll free – 1800 22 3435 or SMS ‘DHFL’ to 56677 *Conditions apply.

Calculator:

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