Fixed Deposit

Fixed Deposits (FDs) are your go-to investment option for peace of mind and steady growth.

With a Fixed Deposit, your money stays safe and earns interest at a pre-determined rate over a fixed tenure. It’s perfect for investors who prefer capital protection, predictable returns, and financial discipline.

Secure Your Financial Future with Fixed Deposits — Earn Guaranteed Returns with Low Risk and Peace of Mind

A Fixed Deposit (FD) is a secure investment option where you deposit a lump sum of money with a bank or financial institution for a fixed period at a pre-agreed interest rate. It offers guaranteed returns, making it ideal for risk-averse investors looking for stable income and capital protection.

FDs are popular for their simplicity, flexibility in tenure, and the ability to grow your money without worrying about market ups and downs. Whether you’re planning short-term savings or long-term goals, an FD gives you the financial confidence to move forward.

Key Features of FD:

Earn a fixed rate of interest throughout the tenure, unaffected by market fluctuations.
Your principal amount is completely safe, making it a low-risk investment option.
Choose a duration that suits your financial goals — from 7 days to 10 years.
Generally offers higher interest than savings accounts. Some banks offer special rates for specific tenures.
Individuals above 60 years enjoy higher interest rates, typically 0.25% to 0.75% extra.
Need funds urgently? Avail up to 90% of your FD amount as a loan without breaking the deposit.
Interest earned is taxable under "Income from Other Sources". TDS is applicable if interest exceeds ₹40,000 (₹50,000 for senior citizens) annually.
You can close your FD before maturity if needed (with minor penalty on interest in most cases).
You can assign a nominee to receive the amount in case of any unforeseen event.
Set your FD to renew automatically on maturity to continue earning uninterrupted returns.

AMFI REGISTERED MUTUAL FUND DISTRIBUTOR

AMFI REGISTRATION NO. 247468

EUIN NO. - E459104