Fixed Deposits & Corporate FDs

Fixed Deposits & Corporate FDs: Safe, Stable, and Reliable Returns

Fixed Deposits (FDs) have long been a preferred choice for conservative investors seeking assured returns and capital protection. Offered by banks and NBFCs, FDs allow you to deposit a lump sum amount for a fixed tenure at a predetermined interest rate. Over time, your money grows without being affected by market volatility.

Benefits of Fixed Deposits

• Capital Protection Your principal amount is safe and not affected by market fluctuations.
• Guaranteed Returns Earn a fixed interest rate throughout the tenure.
• Flexible Tenure Choose from short to long-term options (7 days to 10 years).
• Higher Interest for Seniors Senior citizens usually get additional interest rates.
• Easy Liquidity Can be prematurely withdrawn (with a small penalty).
• Loan Against FD Borrow up to 90% of the FD amount without breaking it.
• Low Risk Ideal for conservative investors seeking steady income.
• Tax Saving Option 5-year tax-saving FDs offer deductions under Section 80C (up to ₹1.5 lakh).
• Auto-Renewal Option Convenient renewal at maturity with interest reinvestment.
• Online Management Open, renew, or close FDs easily via mobile or net banking.

FDs are ideal for short- to medium-term goals like emergency funds, child education, or retirement planning. Senior citizens also benefit from higher interest rates.

Corporate Fixed Deposits

Corporate FDs are term deposits offered by private companies or non-banking financial institutions (NBFCs). These FDs generally offer higher interest rates compared to traditional bank FDs, making them attractive for investors seeking better yields.

Benefits of Corporate FDs:

• Low risk investment tool.
• Investors can earn higher interest rates than bank FD.
• Senior citizens are eligible for an additional interest rate.
• Investors can earn regular income (Monthly, Quarterly, Half yearly and Yearly) as per his financial income needs.
• These FDs can be liquidated easily because after 3 month investors can avail facility of premature withdrawals.
• Higher interest rates than regular bank FDs
• Periodic payout options monthly, quarterly, or yearly
• Trusted brands offering stable returns (based on credit rating)