Grow Your Wealth With
Fixed Deposits
Sophisticated fixed-income solutions for secure wealth growth.
Fixed Deposit Calculator
Calculate your Fixed Deposit returns with compounding interest
Compounded quarterly (4 times a year)
FD Summary
Note: This calculator provides an estimate of returns based on the inputs provided. Actual returns may vary depending on bank policies and applicable taxes.
Key Investment Insights
- Your investment of ₹100,000 will grow to ₹144,995 in 5 years at 7.5% interest
- You will earn ₹44,995 in interest, which is 45.0% of your principal amount
- Your FD will generate ₹8,999 average annual interest
- A 1% higher interest rate could earn you an extra ₹7,285
- Your FD generates ₹25 per day in interest income
- At this rate, your money will double in 9.6 years (using the Rule of 72)
💡 Investment Tip: Senior citizens (above 60 years) typically get 0.5% higher FD rates. Consider splitting large FDs into smaller ones to maintain liquidity and avoid breaking the entire FD for partial withdrawals.
📋 Note: FD interest is fully taxable. TDS is deducted at 10% if interest exceeds ₹40,000 (₹50,000 for senior citizens). Interest rates vary between banks and change periodically.
Find Your Perfect Investment Match
Compare safety parameters, interest ranges, and insurance coverage across all financial sectors.
| Sector Type | Safety Profile | Yield Range | Protection | ROI Potential |
|---|---|---|---|---|
Public Sector BanksFinancial Institution | Highest (Sovereign) | 6.5% - 7.5% Per Annum | DICGC (Up to ₹5L) | Stable Growth |
Private Sector BanksFinancial Institution | Very High (RBI) | 7.0% - 8.2% Per Annum | DICGC (Up to ₹5L) | Moderate Yield |
Small Finance BanksFinancial Institution | High (RBI Supervised) | 7.5% - 9.1% Per Annum | DICGC (Up to ₹5L) | High Yield |
NBFCsFinancial Institution | Moderate (Credit Rated) | 8.0% - 9.1% Per Annum | Internal (No DICGC) | Maximum Returns |
Public Sector Banks
Financial InstitutionPrivate Sector Banks
Financial InstitutionSmall Finance Banks
Financial InstitutionNBFCs
Financial InstitutionBank FD vs NBFC FD
Understanding the key differences helps you choose the right balance between safety and higher returns for your wealth growth.
Bank FD
DICGC Insured
Deposits up to ₹5 Lakh (Principal + Interest) are insured by RBI's subsidiary.
Highly Regulated
Directly governed by RBI policies ensuring maximum transparency.
Stable Interest
Offers moderate but steady interest rates tailored for conservative growth.
NBFC FD
Higher Yields
Typically offers 1-2% higher interest rates compared to traditional banks.
Credit Rated Safety
Safety depends on corporate credit ratings (AAA, AA+) from CRISIL/ICRA.
Flexibility
More flexible tenure options and frequent interest payout choices.
Key Takeaway for Investors
While Bank FDs offer sovereign-grade security via DICGC insurance, NBFC FDs are excellent for boosting your overall portfolio returns. We advise conservative investors to stick with Banks, while those seeking higher yields can explore AAA-rated corporate FDs with Shriram or Bajaj.
Why Choose Our Fixed Deposits?
We partner with India's top banks and NBFCs to bring you the safest and highest yielding fixed deposit options.
100% Reliable & Protected
Your investments are backed by DICGC insurance up to ₹5 Lakhs on scheduled banks.
High Returns
Get industry-best interest rates up to 9.10% with senior citizen benefits.
Flexible Tenure
Choose from 7 days to 10 years based on your financial goals.
Paperless KYC
Complete your video KYC in minutes from the comfort of your home.
Dedicated Support
Expert financial advisors available to guide you at every step.
Premature Withdrawal
Easy liquidity options available when you need funds urgently.
Required Documents
Keep these digital copies ready for a quick and seamless paperless investment process.
100% Secure & Paperless
Note: Most applications are approved instantly through Aadhar e-KYC. Additional documents may be requested for bulk deposits or as per bank requirement.
Start Growing Your Savings in 4 Steps
Experience a completely digital journey from selection to investment. No more physical bank visits needed.
Compare Rates
Choose from India's top banks & NBFCs with the best interest yields for your wealth.
Digital Application
Enter your investment details & nominee information in minutes via our secure portal.
Instant Verification
Complete your identity verification instantly via 100% paperless digital onboarding.
Start Earning
Securely transfer funds & get your Fixed Deposit certificate instantly in your dashboard.
Disclaimer: Fixed Deposit rates are subject to change based on bank policies and RBI guidelines. Please verify latest rates before investing.
Frequently Asked Questions
Got questions about Fixed Deposits? We've got you covered.