Product 04
Fixed Deposits
For the portion of your money that should not move.
fixed-deposit.jpgWhat you get
Predictable returns
A rate fixed at the start, for a tenure you choose.
Laddering
Split across tenures so something matures every year.
Senior citizen rates
Additional interest, usually 0.25–0.50% above card rate.
Company deposits
Higher rates from rated NBFCs — check the rating before the rate.
At a glance
| Instrument | Typical tenure | Taxation |
|---|---|---|
| Bank FD | 7 days – 10 years | Slab rate, TDS applies |
| Corporate FD | 1 – 5 years | Slab rate |
| Tax-saver FD | 5 years lock-in | 80C eligible |
Figures shown are illustrative and depend on the scheme, issuer and prevailing rates. Nothing here is a guarantee of return.
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