Fixed Deposit
Fixed Deposits (FDs) are one of the safest investment options, offering enhanced interest rates, consistent income streams, and protection from market fluctuations. Invest in fixed deposits to enjoy tax-advantageous returns and financial stability.
Corporate Fixed Deposits
Enhanced Interest Rates
Consistent Income Streams
Protection from Market Fluctuations
Tax-Advantageous Investment
Did you know? The highest credit rating for a Fixed Deposit is Triple-A (AAA). In India, 139 companies hold an AAA rating from CRISIL.
Best Fixed Deposit Options
Utkarsh Small Finance Bank
- Minimum Investment: ₹5,000
- Interest Rate: Up to 8.25%
- Withdrawable After: 7 Days
- Interest Compounding: Quarterly
Shivalik Small Finance Bank
- Minimum Investment: ₹5,000
- Interest Rate: Up to 9%
- Withdrawable After: 9 Days
- Interest Compounding: Every 6 Months
Suryoday Small Finance Bank
- Minimum Investment: ₹5,000
- Interest Rate: Up to 9%
- Withdrawable After: 7 Days
- Interest Compounding: Quarterly
Bajaj Finance
- Minimum Investment: ₹15,000
- Interest Rate: Up to 8.65%
- Withdrawable After: 90 Days
- Interest Compounding: Annually
Why Choose Corporate FDs?
Attractive Interest Rates
Safe & Secure
Diversify Portfolio
150+ Issuer Options
Simplify Your Investments with Equiwiz
Free Account Opening
2-in-1 Demat and Trading Account
Lifetime 0 AMC
Enjoy the convenience of investing in Corporate FDs with Equiwiz.
Fixed Deposit (FD) FAQs
A Fixed Deposit is a financial instrument where you deposit a lump sum amount for a fixed tenure at a predetermined interest rate.
You invest a sum in a fixed deposit, and the bank or financial institution pays you interest over the term. The principal is returned at maturity along with interest.
The tenure for a fixed deposit ranges from 7 days to 10 years, depending on the financial institution's policies.
Interest rates for Fixed Deposits depend on the tenure and financial institution. Typically, longer tenures offer higher interest rates.
Yes, but breaking an FD prematurely may attract a penalty, and the interest rate may be lower than the originally promised rate.
Interest earned on FDs is taxable under the Income Tax Act. TDS is applicable if the interest exceeds ₹40,000 (₹50,000 for senior citizens).
Yes, Fixed Deposits are considered safe as they are backed by the government and financial institutions. However, invest in credible banks.
Cumulative FD means interest is compounded and paid at maturity, while non-cumulative FD pays interest periodically (monthly, quarterly, or yearly).
Yes, you can pledge a fixed deposit as collateral for a loan, usually up to 90% of the FD value.
A Fixed Deposit offers higher interest rates and capital protection for a fixed tenure, while a Savings Account offers lower interest but easy access to funds.
