Fixed Deposits

Have you opened a fixed deposit and want to check its current status, maturity date, or interest earned so far? Whether you opened your FD recently or years ago, checking your FD details online is quick and easy. This guide shows you how to check your FD status across major banks, post offices, and NBFCs. […]

A joint fixed deposit allows two or more individuals to invest together in a single FD. Whether you are a married couple pooling savings, business partners managing shared funds, or a parent investing with an adult child, a joint FD offers flexibility and convenience. This guide explains how to open a joint FD, the different […]

Found a better interest rate at another bank and wondering if you can transfer your fixed deposit? While you cannot directly transfer an FD from one bank to another like you transfer a bank account, there are smart ways to move your money to get better returns. This guide explains your options and how to […]

Looking for higher returns than what banks offer on fixed deposits? Corporate fixed deposits (Corporate FDs) might be the answer. Offered by Non-Banking Financial Companies (NBFCs) and corporations, these FDs typically offer 1-2% higher interest rates than bank FDs. But they also come with additional risks. This guide explains how to open a corporate FD, […]

Want regular income from your fixed deposits without sacrificing the higher interest rates that come with longer tenures? An FD ladder strategy is the answer. This smart investment approach divides your money across multiple FDs with staggered maturity dates, giving you the best of both worlds — liquidity and better returns. Here is how to […]

With dozens of banks and NBFCs offering fixed deposits in India, choosing the best FD interest rate can feel overwhelming. A difference of even 0.5% in interest rate can mean thousands of rupees in extra earnings over the life of your deposit. This guide helps you navigate the FD landscape in 2025 and make the […]

Is your bank deducting TDS (Tax Deducted at Source) on your fixed deposit interest even though your total income is below the taxable limit? You can prevent this by submitting Form 15G or Form 15H. These forms declare that your income is below the taxable threshold, and the bank should not deduct TDS. This guide […]

Post office fixed deposits, officially known as Post Office Time Deposits, are one of the safest investment options in India. Backed by the Government of India, they offer guaranteed returns with zero credit risk. If you are looking for a secure place to park your savings, especially in smaller towns where banking access may be […]

Before you invest in a fixed deposit (FD), it is important to know exactly how much money you will receive at maturity. Understanding how FD interest is calculated helps you compare options, plan your finances, and set realistic expectations. This guide explains the formulas, methods, and tools for calculating your FD maturity amount. How Is […]

Looking for a safe way to save on taxes? A tax-saving fixed deposit (FD) under Section 80C of the Income Tax Act is one of the simplest and most secure tax-saving investments available in India. You can claim a deduction of up to Rs 1.5 lakh per financial year while earning guaranteed returns. This guide […]

Need quick cash but do not want to break your fixed deposit? A loan against FD is one of the smartest financial moves you can make. It lets you borrow money using your FD as collateral while your deposit continues to earn interest. This guide explains how to apply for a loan against your FD, […]

Senior citizens in India enjoy a special benefit when it comes to fixed deposits — they receive higher interest rates compared to regular depositors. This additional rate, typically 0.25% to 0.75% extra, can significantly boost retirement income over time. If you or a family member is 60 years or older, this guide explains how to […]

Your fixed deposit (FD) is about to mature, and you are wondering what to do next. Should you renew it, withdraw the money, or explore other options? Renewing an FD at maturity is one of the most common and convenient ways to keep your money working for you. This guide covers everything about FD renewal […]

Life is unpredictable, and sometimes you need to access your money before your fixed deposit (FD) matures. Whether it is a medical emergency, an unexpected expense, or a business need, breaking an FD before maturity is a common requirement. This guide explains everything you need to know about premature FD withdrawal — the process, penalties, […]

Opening a fixed deposit (FD) online has never been easier. Whether you are a salaried professional, a freelancer, or a self-employed individual, you can now start an FD from the comfort of your home in just a few minutes. In this guide, we walk you through the complete process of opening a fixed deposit online, […]

If you have been comparing FD rates, you have probably noticed that small finance banks consistently offer 1-2% higher interest rates than large commercial banks. Unity Small Finance Bank, Utkarsh Small Finance Bank, Jana Small Finance Bank, and others regularly advertise FD rates above 8%. But are these higher rates safe? Is there a catch? […]

What if you could earn FD-like interest rates on your savings while still having the flexibility to withdraw money anytime without penalties? That is exactly what a sweep-in FD (also called a flexi-deposit or auto-sweep facility) offers. It combines the liquidity of a savings account with the higher returns of a fixed deposit, making it […]

Gone are the days of visiting a bank branch, filling out lengthy forms, and waiting in queues to open a fixed deposit. With Bachatt, you can open an FD from your smartphone in just a few minutes — whether you are at your shop, between client meetings, or relaxing at home. Here is a step-by-step […]

When you open a fixed deposit, one of the first choices you face is: cumulative or non-cumulative? This decision affects how and when you receive your interest, and it can make a meaningful difference to your total returns. Let us understand both options clearly so you can make the right choice for your financial situation. […]

You have some money that you will need in 3 to 12 months. Should you park it in a fixed deposit or a liquid mutual fund? This is a common dilemma for investors, especially self-employed individuals who need their surplus cash to remain accessible. Let us compare both options objectively to help you decide. What […]

Life is unpredictable, especially when you are self-employed. A business opportunity, a medical emergency, or an unexpected expense can force you to break your fixed deposit before maturity. The good news is that breaking an FD is always possible with bank deposits. The bad news is that it comes with a cost. Here is how […]

Did you know that India Post — yes, the post office — offers fixed deposits with interest rates that are often higher than major banks? Post Office Time Deposits (as they are officially called) are backed by the Government of India, making them one of the safest investment options available. For self-employed Indians, especially those […]

You just got 7.5% on your fixed deposit. Sounds great, right? But what if we told you that your money might actually be shrinking in real terms? This is the hidden impact of inflation on your FD returns — and every Indian investor needs to understand it. What Is Inflation and Why Does It Matter? […]

If you are 60 years or older, or if you are helping your parents plan their retirement finances, here is good news: banks offer significantly higher FD interest rates to senior citizens. This extra benefit can make a meaningful difference to retirement income. Let us explore everything senior citizens need to know about fixed deposits […]

One of the biggest complaints about fixed deposits is the lack of liquidity. You lock your money away for a year or more, and if you need it early, you lose interest due to premature withdrawal penalties. But what if there was a strategy that gives you both good interest rates and regular access to […]

When comparing fixed deposit options, you will notice that corporate FDs from companies like Bajaj Finance or Shriram Finance often offer 0.5-1.5% higher interest rates than bank FDs. The extra return is tempting, but is it worth the additional risk? Let us understand the differences to help you make an informed decision. What Are Bank […]

Fixed deposits are a favourite investment for millions of Indians, but many depositors are unpleasantly surprised when they see TDS deducted from their FD interest. Understanding how FD interest is taxed — and knowing the legal ways to minimise your tax burden — can save you thousands of rupees every year. This is especially important […]

When it comes to safe and guaranteed investments, Fixed Deposits (FDs) and Recurring Deposits (RDs) are two of the most popular options among Indian investors. Both are offered by banks, both guarantee returns, and both are easy to understand. But they work quite differently. Let us break down the differences so you can choose the […]

Fixed deposits remain one of India’s favourite investment options, and for good reason. They offer guaranteed returns with zero market risk. But not all FDs are created equal — interest rates vary significantly across banks. Choosing the right bank for your FD can mean the difference between earning Rs 7,000 or Rs 9,000 on a […]

If you have money sitting idle in a savings account earning just 2.5-3% interest, you are leaving money on the table. A Fixed Deposit (FD) is one of the simplest and safest ways to earn higher returns on your savings. Whether you are a shopkeeper, a freelancer, or a salaried professional, understanding FDs is an […]