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Invest NowAbout Fixed Deposit
About Fixed Deposit
- Fixed Deposit is one of the most preferred investment option among conservative investor who need fixed and regular income.
- Fixed Deposit also popularly known as Term Deposit is an investment option wherein interest rate is fixed for a predefined term.
- Deposits placed by an investor with companies are known as Company Fixed Deposit. These deposits are accepted by manufacturing companies, financial institutions and non-banking finance companies. Deposits mobilized by these companies are governed by the Companies Act u/s 58A.
Basic info about Fixed Deposit
- The tenure of company FDs can range from a few months to a few years.
- You can choose from monthly, quarterly, half-yearly, yearly or cumulative interest payment option.
- The interest income rate earned on FD is added to your income and is taxed as per your income tax slab.
- In cases where the annual interest income exceeds Rs 5,000; TDS will be deducted by the company.
- If you do not want the TDS to be deducted, you need to submit form15G/H with the company.
How does Fixed Deposit Work
100% online process. Quickest way to book an FD in 3 simple steps
- Choose the company & tenure to invest in FD
- Select the client to invest in Primary or Joint names
- Enter the amount to invest and make payment
Maturity amount will be credited to the bank account registered with FundzBazar
Why Fixed Deposit?
Safe
Fixed deposits are considered to be one of the safest investment options. This is because their returns are not linked with the market.
Liquidity
Investment in Fixed Deposit is locked away for a tenure which you choose. However, pre-mature withdrawals are allowed after a certain period.
Fixed & Higher Returns
Interest rate earned on Fixed Deposit will remain fixed during the tenure which you choose. Also, interest rates offered by Corporate FDs are generally higher as compared to Bank FDs.
Tenure
Investment in Fixed Deposits can be for various tenures. Tenure ranging from 1 year to 5 years provides you an option to choose a tenure that fits your financial goals.
Flexibility
Depending on your need, one may opt for monthly, quarterly, half-yearly, yearly payout or cumulative interest option.
Higher Credit Rating
Investment in Corporate FDs which have been alloted higher credit rating.
Other Features of Fixed Deposit
Senior Citizen Advantages
Higher interest rates are offered for senior citizens.
Power of Compounding
Reinvesting the interest amount enables you to earn additional returns on your investments.
Tax Decucted At Source (TDS)
TDS is not applicable if interest earned is equals to or less than 5,000 for a year in a single company.
Invest in Fixed Deposit online
| Company Name | Rating | Option | Minimum Investment ₹ | 1 Year | 2 Years | 3 Years | 4 Years | 5 Years | Action |
|---|---|---|---|---|---|---|---|---|---|
| BAJAJ Finance Ltd. | CRISIL "AAA/Stable" & ICRA "AAA (Stable)" | Cumulative | ₹25001 | 7.4 | 7.8 | 8.1 | 8.1 | 8.1 | |
| Mahindra & Mahindra Financial Services Limited | CRISIL AAA/Stable & IND AAA /Stable | Cumulative | ₹10000 | 7.5 | 7.8 | 8.1 | 8.05 | 8.1 | |
| Shriram Finance Limited | AA+ (Stable) by ICRA and AA+/Stable by IND | Cumulative | ₹5000 | 7.59 | 7.87 | 8.38 | 8.47 |
Head Office: Prudent House, Panjrapole Cross Road, Nr. Polytechnic, Ambawadi, Ahmedabad - 380 015, Gujarat, India.
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Prudent Corporate Advisory Services Limited
AMFI Registered Mutual Fund Distributor
CIN: L91120GJ2003PLC042458
AMFI Reg No.: ARN-9992 (Date of initial Registration; 02 September 2003; Current validity of ARN -26 August 2025)| SEBI Stock Broker Reg.: INZ000293634 | SEBI Depository Reg.: IN DP CDSL: IN-DP-477-2020 | NSE Member Id: 90209| BSE Member Id: 6733 | SEBI Research Analyst Reg.: INH000018115 |SEBI Investment Advisor Reg.: INA000004906 | PFRDA POP Reg.: POP 10092018 | IRDA Corporate Agent Reg. No. CA0869
* Mutual Fund investments are subject to market risks. Please read all scheme related documents carefully before investing.
Prudent Corporate Advisory Services Ltd. (ARN-9992) makes no warranties or representations, express or implied, on products offered through FundzBazar.com. It accepts no liability for any damages or losses, however caused, in connection with the use of, or on the reliance of its product or related services. Terms and conditions of the website are applicable. Copyright © 2024 Prudent Corporate Advisory Services Ltd.
