Guaranteed Returns

Fixed Deposits
(FD)

The bedrock of Indian savings. Secure your capital with guaranteed interest rates. Ideal for conservative investors and emergency funds.

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Balance Safety, Liquidity, and Returns

Bank FDs

Safest option. Insured up to ₹5 Lakhs by DICGC. Higher rates for Senior Citizens.

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Corporate FDs

Higher interest rates offered by NBFCs and Companies. Rated by CRISIL/ICRA.

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Tax Saver FD

Save tax u/s 80C. Mandatory 5-year lock-in period. No premature withdrawal.

Tax Benefits

Safety First

Bank FDs are backed by DICGC (subsidiary of RBI) insurance up to ₹5 Lakhs per bank per holder. This makes them one of the safest investment avenues in India.

TDS on Interest

If interest income exceeds ₹40,000 (₹50,000 for Seniors) in a year, banks deduct 10% TDS. Submit Form 15G/15H to avoid deduction if eligible.

Fixed Deposits (FD)