Fixed & Recurring Deposits
Stable, tenure-bound deposit options for capital protection, predictable interest, and scheduled monthly savings.
Fixed & Recurring Deposits at a glance
Stable, tenure-bound deposit options for capital protection, predictable interest, and scheduled monthly savings.
What to know before you start
Fixed Deposits (FD)
A lump sum deposited for a chosen tenure at a pre-agreed interest rate, with premature withdrawal options (subject to terms).
Recurring Deposits (RD)
Save a fixed amount every month at a pre-set rate — useful for building a habit alongside market-linked investments.
Company & bank deposits
Access to select company fixed deposits and bank deposit schemes, compared by tenure, rate and credit rating where applicable.
Laddering support
We can help you stagger deposit maturities across different tenures, so funds become available at different intervals.
Common questions
Bank FDs up to ₹5 lakh per bank are covered under DICGC deposit insurance. Company FDs carry issuer credit risk and are not deposit-insured — credit ratings matter.
Yes, FD/RD interest is added to your income and taxed at your applicable slab rate; TDS may apply above prescribed thresholds.
Most FDs allow premature withdrawal subject to a penalty on the interest rate — terms vary by issuer.
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ExploreHave questions about Fixed & Recurring Deposits?
Write in, call, or WhatsApp us — we'll walk you through the specifics before you commit to anything.