Fixed Deposit

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Fixed Deposit
Fixed Deposit

What Is

Fixed Deposit?

Fixed Deposit – Safe Returns with Smart Tax Saving Options
Fixed Deposit (FD) is one of the most reliable and widely used investment options in India, offering guaranteed returns with minimal risk. It allows individuals to deposit a lump sum amount for a fixed tenure at a predetermined interest rate, making it ideal for conservative investors who prefer capital protection and predictable income.

While traditional FDs are known for safety and stability, certain types of FDs—like Tax-Saving Fixed Deposits—offer additional benefits by allowing tax deductions under Indian Income Tax laws.

Because your security and peace of mind are our top priorities.

Key Features of Fixed Deposit:

✅ Assured Returns – Earn a guaranteed rate of interest irrespective of market fluctuations
✅ Capital Protection – Your investment is safe and secure; ideal for risk-averse individuals
✅ Flexible Tenure – Choose tenure ranging from 7 days to 10 years, depending on your financial goal
✅ Easy Liquidity – Premature withdrawals allowed (subject to penalty), ensuring emergency access
✅ Loan Facility – Avail loans against FD without breaking the deposit
✅ Tax-Saving Option – Invest in 5-year Tax Saver FD to claim deduction under Section 80C (up to ₹1.5 lakh/year)

Example Investment in Tax-Saving FD:

Let’s say you invest ₹1,50,000 in a 5-Year Tax Saver FD at 7% interest:

  • You save tax under Section 80C

  • Earn approximately ₹60,000+ interest over 5 years (taxable)

  • Enjoy safe and predictable returns

  • No TDS if interest is within exemption limit or Form 15G/H is submitted

Who Should Invest in Fixed Deposits?

  • Senior citizens looking for stable income

  • Salaried professionals wanting to save tax

  • Risk-averse investors prioritizing capital safety

  • Anyone planning short to medium-term financial goals like travel, education, or emergency fund

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Frequently Asked Questions

Get quick answers to common questions.

It covers standard expenses, protection against unforeseen losses, and financial liabilities associated with fixed deposit.

Any individual or business looking to mitigate risks, secure their assets, or ensure financial continuity against unexpected events.

Depending on local regulations and contracts, some forms might be mandatory (e.g. third-party motor coverage), while others are highly recommended for comprehensive protection.

Yes, you can add various add-ons, riders, and custom limits to customize the coverage according to your specific requirements.

Claims can be settled easily by submitting the required documentation and proof of loss through our streamlined digital claim settlement process.

It depends on your specific assets, liabilities, risk exposure, and financial goals. Our advisors can help you calculate the optimum sum assured.