Fixed Deposits
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Fixed Deposits (FDs)
A Safe & Reliable Investment for Wealth Growth
Fixed Deposits (FDs) are one of the most popular and secure investment options, offering guaranteed returns with minimal risk. They are ideal for individuals looking to preserve capital while earning steady interest income. Banks, Non-Banking Financial Companies (NBFCs), and post offices offer FDs with varying tenures, interest rates, and payout options, making them a flexible investment choice. FDs are particularly favored for their predictable returns, liquidity options, and tax-saving variants, making them suitable for both short-term and long-term financial planning.
What We Offer
Regular Fixed Deposit
• A standard FD option where a lump sum amount is deposited for a fixed tenure, earning a predetermined interest rate.
• Interest can be received periodically (monthly/quarterly/annually) or upon maturity.
• Available to all individuals, including salaried employees, self-employed professionals, and senior citizens.
Tax-Saver Fixed Deposit
• Specifically designed for tax benefits under Section 80C of the Income Tax Act.
• Comes with a mandatory lock-in period and no premature withdrawals allowed.
• Interest earned is taxable, but the principal amount invested qualifies for deductions.
Senior Citizen Fixed Deposit
• Designed exclusively for individuals above 60 years, offering higher interest rates compared to regular FDs.
• Provides additional financial security with flexible interest payout options to support retirement income.
Flexi Fixed Deposit (Sweep-in FD)
• Linked to a savings or current account, automatically transferring excess funds into an FD to earn higher interest.
• Allows liquidity, as funds can be withdrawn from the linked account when needed.
• A great option for individuals who want better returns on idle cash while maintaining accessibility.
Corporate Fixed Deposit
• Offered by NBFCs and companies, these FDs typically provide higher interest rates than bank FDs.
• Comes with varying tenures and risks, depending on the creditworthiness of the issuing company.
• Investors should check the credit rating (CRISIL, ICRA) before investing to assess the risk level.
Post Office Fixed Deposit (POTD)
• A government-backed FD scheme offering stable returns with tenure options ranging from 1 to 5 years.
• The 5-year Post Office FD qualifies for tax benefits under Section 80C.
• Considered a low-risk investment, ideal for conservative investors.
Key Benefits of Fixed Deposits:
Capital Safety: Guaranteed returns with no risk of market fluctuations. Flexible Tenure Options: Choose from short-term (7 days) to long-term (10 years) investments. Tax Benefits: Tax-saving FDs allow deductions under Section 80C. Higher Interest Rates for Seniors: Special FD schemes offer better returns for senior citizens. Loan Facility: Use your FD as collateral for loans, ensuring liquidity without breaking the deposit. Compounding Growth: Cumulative FDs allow interest to grow over time, maximizing returns. Customizable Interest Payouts: Choose monthly, quarterly, or yearly interest payouts as per financial needs.
Fixed deposits remain a trusted and stable investment option, balancing liquidity, safety, and returns. Whether for emergency savings, retirement planning, or wealth preservation, an FD can be an integral part of a diversified financial portfolio.
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