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About Fixed Deposits
A Fixed Deposit (FD) is a secure investment option offered by banks and financial institutions, allowing investors to deposit a lump sum amount for a fixed tenure at a predetermined interest rate. FDs provide guaranteed returns and are ideal for individuals looking for low-risk investment opportunities with stable earnings
Fixed Deposits are widely used for wealth preservation and financial security. They come with flexible tenure options ranging from a few months to several years, catering to different financial goals. FD investors earn interest at fixed intervals, and upon maturity, they receive the principal amount along with accumulated interest.
Features & Benefits of Fixed Deposits
Guaranteed Returns
FDs offer assured returns as the interest rate remains fixed throughout the tenure, unaffected by market fluctuations.
Flexible Tenure
Investors can choose a deposit period ranging from 7 days to 10 years based on their financial
goals.
High Safety & Security
FDs are considered one of the safest investment options as they are regulated by RBI and backed by deposit insurance up to Rs. 5 lakh per depositor.
Loan Facility
Investors can avail loans against their fixed deposits at lower interest rates without breaking the
FD.
Tax Benefits
Certain tax-saving FDs allow investors to claim deductions of up to Rs. 1.5 lakh under Section 80C of the Income Tax Act.
Multiple Payout Options
Investors can opt for cumulative FDs (interest compounded and paid at maturity) or non-cumulative FDs
Fixed Deposits Eligibility Criteria
Types of Fixed Deposits
Investment Calculator
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Our Clients
Our home loan clients trust us to provide tailored financial solutions that make homeownership more accessible and affordable. With competitive interest rates, flexible repayment options, and a seamless application process, we help individuals and families achieve their dream of owning a home. Our commitment to customer satisfaction ensures personalized service and expert guidance at every step.
98%
Satisfied Customers
84%
Home Loans Disbursed
88%
Loan Approval Rate
Documents Required For Fixed Deposits
- Aadhaar Card
- PAN Card
- Voter ID
- Passport
- Driving License
- Electricity/Water/Gas Bill (not older than 3 months)
- Bank Passbook/Statement with Address
- Ration Card
- Rent Agreement (if applicable)
Cancelled cheque or bank passbook copy for linking the investment account to a savings account.
Birth Certificate, School Leaving Certificate, or Passport (for minor accounts or senior citizen schemes).
Secure Your Family’s Future with SIMFINN Fixed Deposits Protect Your Loved Ones with a High Sum Assured
FAQs About Fixed Deposits
A Fixed Deposit is a financial instrument where investors deposit a lump sum amount with a bank or financial institution for a fixed tenure at a predetermined interest rate.
FDs are low-risk investments as they offer guaranteed returns and are regulated by the RBI, with insurance coverage up to Rs. 5 lakh per depositor.
The tenure for FDs typically ranges from 7 days to 10 years, depending on the investor’s preference and financial institution’s policy.
Yes, premature withdrawal is allowed in most FDs but may incur a penalty or lower interest rates depending on the bank’s terms.
Yes, interest earned on FDs is taxable as per the investor’s income tax slab. However, tax-saving FDs provide deductions under Section 80C up to Rs. 1.5 lakh.
Yes, many banks and financial institutions offer loans against FDs, allowing investors to access funds without breaking their deposit.