Fixed Deposits
Bank FD
Safe & reliable
Corporate Fixed Deposits
Earn higher returns
Senior Citizen FD
More benefits for seniors
Tax Savings FD
Save tax, earn more
Cumulative FD
Grow your deposit with compounding
Non-Cumulative FD
Earn regular monthly income
Capital Gain Bonds
Save tax smartly
Recurring Deposit (RD)
Small savings, big goals
A bank deposit at a fixed rate — safe, simple, fully taxable, and often below inflation after tax.
Deposits for those over sixty — a higher rate, and a much larger tax exemption on the interest.
Section 54EC bonds — deferring capital gains tax on a property sale, at a modest return.
Invest Today. Thrive Tomorrow.
More than Returns A Partner for Life
| Plan |
Bank FD
|
Senior Citizen FD
|
Capital Gain Bonds
|
Corporate Fixed Deposits
|
|---|---|---|---|---|
| Best for | Safe & reliable | More benefits for seniors | Save tax smartly | Earn higher returns |
| Minimum from* | ₹10,000 | ₹10,000 | ₹10,000 | ₹25,000 |
| Rating | 4.4 | 4.6 | 4.2 | 4.0 |
| Details | View | View | View | View |
*Indicative starting figures; the final terms depend on your profile.
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Deposits are insured up to five lakh rupees per depositor per bank under the DICGC scheme, covering both principal and interest. Above that limit you rely on the bank's own solvency, which is why large savers spread deposits across institutions.
Fully, at your income tax slab rate, whether you take it annually or at maturity. Banks deduct tax at source above a threshold. For a taxpayer in the highest bracket, a seven per cent deposit yields under five per cent after tax — which is the number to compare against inflation.
Most banks pay the rate applicable for the period actually held, less a penalty of typically half to one per cent. Before breaking a deposit, check whether a loan against it is cheaper — it usually is, because the deposit keeps earning.
If your total income is below the taxable threshold, yes — it prevents the bank deducting tax at source, which you would otherwise have to reclaim through your return. Form 15H is for senior citizens, 15G for others.
They are excellent for certainty and poor for growth. After tax, deposit returns frequently sit at or below inflation, which means purchasing power erodes slowly while the balance appears to rise. For long-term wealth building, deposits are usually the wrong instrument.
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