Fixed Deposit (FD)
A Safe, Reliable & Guaranteed Way to Grow Your Savings
A Fixed Deposit (FD) is one of the most trusted and popular investment options in India. It allows you to deposit a lump sum amount for a fixed period at a predetermined interest rate, offering safety, stability, and assured returns—regardless of market fluctuations. Whether you are planning for short-term goals or long-term financial security, FDs provide a risk-free path to grow your wealth.
Key Features of Fixed Deposits
1. Guaranteed Returns
FDs offer assured interest payouts, making them a secure choice for conservative investors and those looking for predictable income.
2. Flexible Tenure Options
Deposit your money for as little as 7 days or as long as 10 years, depending on your financial goals.
3. Choice of Interest Payout
You can choose how you want to receive your interest:
- Cumulative FD: Interest is compounded and paid at maturity.
- Non-Cumulative FD: Interest is paid monthly, quarterly, half-yearly, or annually—ideal for regular income.
4. Safe & Low-Risk Investment
Bank FDs are considered one of the safest investment products, with protection under DICGC insurance (up to ₹5 lakh per depositor per bank).
5. Attractive Interest Rates
Fixed deposits offer competitive interest rates that remain constant throughout the chosen tenure, safeguarding your money from market volatility.
6. Loan Facility Against FD
Need funds without breaking your FD? You can avail loans of up to 90% of the FD value.
7. Premature Withdrawal Option
FDs can be closed before maturity (with minimal penalty), offering liquidity when unexpected needs arise.
Benefits of Investing in FDs
✔ Stability and peace of mind – Your money grows safely without market risk
✔ Perfect for retirees & conservative investors
✔ Ideal for building an emergency corpus
✔ Helps diversify your investment portfolio
✔ Ensures disciplined saving with lock-in tenure
Tax-Saving Fixed Deposits (Section 80C)
For tax-saving purposes, you can opt for a 5-year Tax Saver FD, which offers:
- Tax deduction up to ₹1.5 lakh under Section 80C
- Fixed returns with a mandatory lock-in period
- Safe and stable investment for long-term planning
Why Choose Us for Your Fixed Deposit Needs?
- Guidance on choosing the best bank / NBFC FD rates
- Assistance in selecting suitable tenure and payout frequency
- Support for senior citizen FDs with higher interest rates
- Doorstep service and documentation support
- Transparent, quick, and customer-focused process