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General Fixed Deposit

 

A fixed deposit (FD) is a financial product offered by banks to their customers at a higher interest rate than a regular savings account. It is a type of investment in which the account holder deposits a specific amount with the bank at a fixed interest rate for a set period of time. The bank pays the customer interest on this amount until it reaches maturity.

 

A Fixed Deposit (FD) is the most stable investment option in today's investment market. As the interest rates do not fluctuate based on market and economic conditions, an FD is better than mutual funds, stocks and other investments.

  • Fixed Returns
  • Low Risk Level
  • High interest rate
  • Collateral Ability
  • Ease of investing

  • Individuals
  • Minors
  • Trusts
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  • Clubs
  • Societies

Every fixed deposit account has minimum and maximum limits. These amounts vary from bank to bank. Most banks will allow you to start an FD with as low as Rs 10,000.

High-interest rates and a tax-saving facility are some of the best benefits of an FD. A recurring deposit is best for those who prefer to invest small amounts.

  • Customers can open fixed deposit account by visiting bank.
  • Also, customers who have a normal savings account can open a Fixed Deposit Account through mobile banking, internet banking.

Yes, However, you will be charged a penalty for such premature withdrawals.

The penalty depends on the bank's policy.

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