Grow Your Money Steadily and Safely with Fixed Deposit
Grow your wealth securely with Fixed Deposits Options from trusted Banks and NBFCs.
- AMFI Registered Mutual Fund and SIF Distributor
- ARN - 194216
- APMI Registered PMS Distributor
- APRN - 10201
What Are Fixed Deposits?
A Fixed Deposit (FD) is one of the simplest ways to grow your savings into real wealth over time. You invest a lump sum with a bank or NBFC for a chosen term — anywhere from a few months to several years — and in return, you earn a guaranteed, fixed rate of interest. Unlike market-linked investments, your returns are locked in from day one, so your wealth grows steadily without the stress of market ups and downs. Understanding how FDs work is the first step toward building a stronger, more secure financial future.
Fixed Tenure
You choose a lock-in period, from a few months to several years, based on your financial goals.
Guaranteed Interest
Your interest rate is fixed at the time of booking and stays unaffected by market fluctuations for the entire tenure.
Maturity Value
At the end of the term, you receive your principal plus accumulated interest, a clear, guaranteed payout you can plan around.
Types of Fixed Deposits
Diversify across categories curated to your specific financial goals.
Regular Fixed Deposit
With Regular FD, you put in a lump sum for a set time, and the bank gives you a guaranteed interest rate. It’s a safe and easy way to watch your money grow.
Corporate Fixed Deposit
Corporate FD let you invest a lump sum of cash for a set period with a company instead of a bank. This option can often offer higher interest rates.
Flexi Fixed Deposit
Flexi FD link your savings account to your FD account, allowing you to withdraw cash when needed while earning higher interest rates than a savings account.
Senior Citizen Fixed Deposit
These FDs are designed just for seniors, offering higher interest rates than regular FDs to help you maximize your retirement savings.
Cumulative Fixed Deposit
Cumulative FDs roll the interest earned back into your savings each year or quarter, resulting in a much larger payout at the end. This is perfect if you’re looking to grow your savings for a big goal.
Non-cumulative Fixed Deposit
Non-cumulative FDs give you your interest more often. You can choose to get it monthly, quarterly, or yearly, depending on your needs. This is great if you’re looking for a steady stream of extra cash.
Tax-saving Fixed Deposit
Tax-saving FDs allow you to grow your money with a guaranteed interest rate and get a tax break under Section 80C. Your money is locked away for 5 years. Knowing if FDs are taxable is crucial for your financial planning.
NRO/NRE Fixed Deposit
NRO FDs allow Indians abroad to deposit Indian earnings with growth. Interest can be remitted abroad, and the principal has repatriation limits. NRE FDs cater to NRIs, offering tax-free deposits of overseas earnings, with both interest and principal repatriable under specific rules.
Fixed Deposit vs Recurring Deposit
Whether you have a lump sum ready to deploy or prefer disciplined monthly saving, we help you pick the right path to your goals.
Fixed Deposit (FD)
Best suited when you have a surplus, a bonus, inheritance, or windfall, ready to grow.
- Interest starts accruing from day one
- One-time investment, simple to track
- Choose from flexible tenures and payout options
- No recurring monthly commitment required
Recurring Deposit (RD)
Perfect for building wealth steadily through disciplined monthly contributions.
- Start small, from as little as ₹500/month
- Builds a consistent saving habit
- No need to arrange a lump sum upfront
- Fixed interest rate on every instalment Button
Start your journey in 4 simple steps
Investing with us is seamless, secure, and fully aligned with your financial goals — from your first login to your first review.
Complete your KYC
Verify your identity digitally with PAN, Aadhaar, and paperless bank verification.
Choose your FD
Select the ideal Fixed Deposit for your financial goals or ask us to recommend one.
Track and grow
Monitor your investments anytime through your secure personal dashboard on Dhanvantree App.
Book an Appointment
Frequently Asked Questions
Who offers FDs?
Banks (public and private), NBFCs, and the India Post Office offer Fixed Deposits (FDs) in India. Compare their interest rates and terms to make an informed choice. Understanding what fixed deposits are and how to invest in fixed deposits will help you select the best option.
What are the Current FD Rates?
FD rates differ from bank to bank and change based on market conditions. You can find the latest rates on the bank’s website, by giving them a call, or visiting a branch. It’s always good to shop around and compare rates before you decide where to put your money. Understanding what interest rates fixed deposits provide ensures you get the best return on your investment.
Eligibility Criteria for Fixed Deposit Investment?
To invest in FDs, you need to be an Indian citizen with a valid ID (Aadhaar or PAN) and typically 18 or older. Minors can invest with a guardian, and NRIs may have specific requirements. Knowing how to invest in fixed deposits helps meet these criteria.
Are there any differences in FD offerings between banks and NBFCs?
Banks and NBFCs offer FDs, but their interest rates, tenure options, and terms may differ. Compare their offerings, considering factors like interest rates and reputation. Generally, NBFCs offer higher rates. Understanding if fixed deposits are safe helps ensure a secure investment.
What should I consider when selecting an institution for opening an FD?
When choosing Fixed Deposits, consider interest rates, tenure options, and the institution’s reputation. Also, understand if fixed deposits are taxable and their implications. With knowledge of what fixed deposits are and how to invest in fixed deposits, you can make the best financial decisions and maximize their benefits.