Dewan Housing Finance Corporation Ltd
“DHFL Swayam Sidha Deposits (DSSD)”
Scheme for women
DEPOSIT SCHEME FEATURES:
| Cumulative Scheme | Non-Cumulative Scheme | ||||||
| Period | Interest Rate | Annual Yield | (Payable Yearly) | (Payable Half Yearly) | (Payable Quarterly) | (Payable Monthly) | |
| 500 days | 9.10% | 9.48% | 9.31% | 9.10% | 9.00% | 8.93% | |
- Minimum deposit Rs.10000/- Multiple of Rs.1000/- for both Cumulative and Non Cumulative Scheme.
- Women depositors in the segments such as Senior Citizens , Widows, Armed Forces Personnel, DHFL shareholders and DHFL Home Loan Borrowers will get additional interest rates of 0.25% p.a. over and above the 9.10% p.a.
FREE:
I INSURANCE
- Free Accident Insurance Coverage of Rs.1lakh to every depositor .
II GIFT
- Gift amount is restricted to .20% of the deposit amount, which is corrected to the nearest 100.
- Minimum deposit of Rs. 50000/- and maximum Rs. 20 lacs attracts gift coupon pass coupon of Rs100/- to Rs.4000/-.
- Minimum amount accepted under the “DHFL Swayam Siddha Deposit” scheme is Rs 10000/- and the maximum amount being restricted to Rs. 100 lacs.
- Gift scheme valid till 09/03/2010.
CREDIT RATING: AA+ (CARE), FAAA(BWR) and P1 + (CRISIL).
LISTED: BSE and NSE .
DEPOSIT ELIGIBILITY:
- Deposit should be in the name of a Female person.
- Deposit can be either in Single name of a Female or in Joint names of two or more Females, maximum being three.
- Deposit can also be made in the Joint names of one Female and another / others male on the condition that the 1st named should be Female.
- Deposit can be created in the name of Minor Girl supported by Guardian.
Company profile:
- DHFL was only the second housing finance company which was set up in 11th April 1984 in the private sector in India.
- Its business objective was to provide access to housing finance to lower and middle income Indians.
- DHFL with its Corporate Office at Mumbai & 5 Zonal offices strives continually to reach out to its customers through its extensive network of 74 Branches, 78 Services Centers, 35 Camps managed by 7 Reginoal Processing offices
FINANCIALS:
- Gross income INR 69359.23 lacs.
- PAT INR 8631.83 lacs with disbursement recorded over INR 224054 lacs and Asset size of INR 639450.93 lacs ( as on 31.03.09).
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i invested in DHFL fixed deposit for 84 months in April 2010 selecting quarterly option of interest payment (selected the ECS option)
Please note my experience
a) I got the FDR on time
b) I was expecting the interested to be credited by ECS by 1st july 2010. The interest did not come on time
c) When i call the Corporate Office and ask for FD Department, they just hang up the phone
i tried for 5 times, same results
d) Calling up the Registered office and when i complaint about the receptionist of the Corporate office, they said that they are like that only and i was given the number of the fixed deposit department
e) upon contacting the fixed deposit department, i found that they misplaced my blank cancelled cheque and wanted me to send them again, they did not have answer on i) how was cheque misplaced?
ii) who will compensate for the delay?
iii) why was no communication send to my postal address or phone call not made?
f) After sincere assurances from the FD department that they will do the needful on a priority basis after they receive the blank cancelled copy of the cheque, they did not do anything