Fixed Deposit

Corporate Fixed Deposits are investment options suitable for investors who desire fixed returns over a period of time. This fixed deposits are offered by companies/corporate.

Features of Fixed Deposits

Guaranteed Returns: Fixed deposits offer investors guaranteed returns in the form of fixed interest rates for a predetermined period. The interest rate remains constant throughout the deposit tenure, providing investors with certainty and predictability of returns.
Flexible Tenure: Fixed deposits are available for various tenures ranging from a few days to several years, allowing investors to choose a maturity period that aligns with their financial goals and liquidity needs. Longer tenure deposits typically offer higher interest rates compared to shorter tenure deposits.
Safety and Security: Fixed deposits are considered one of the safest investment options in India, as they are backed by the issuer’s reputation and regulatory oversight. Bank fixed deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to Rs. 5 lakh per depositor per bank, providing additional safety net to investors.
Liquidity: While fixed deposits are considered to be locked-in investments for the duration of the deposit tenure, they offer liquidity through premature withdrawal options. Investors can withdraw their fixed deposit prematurely, albeit with a penalty or reduction in interest rate, in case of urgent financial needs.

Fixed deposits play a crucial role in India’s investment landscape, offering investors a safe and reliable avenue to park their savings and earn guaranteed returns. Despite challenges such as interest rate risk and inflation risk, fixed deposits continue to remain popular among investors, especially those seeking stability, safety, and liquidity in their investment portfolios. With ongoing digital adoption, competitive interest rates, and product innovation, the fixed deposit market in India is expected to evolve further, providing investors with enhanced options and convenience in managing their savings.

In the absence of a straight-jacket formula to grow the value of an investment in the market, access to key data-driven intelligence makes a critical difference in ensuring that the investment is productive.

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Risk Factors – Investments in Mutual Funds are subject to Market Risks. Read all scheme related documents carefully before investing. Mutual Fund Schemes do not assure or guarantee any returns. Past performances of any Mutual Fund Scheme may or may not be sustained in future. There is no guarantee that the investment objective of any suggested scheme shall be achieved. All existing and prospective investors are advised to check and evaluate the Exit loads and other cost structure (TER) applicable at the time of making the investment before finalizing on any investment decision for Mutual Funds schemes. We deal in Regular Plans only for Mutual Fund Schemes and earn a Trailing Commission on client investments. Disclosure For Commission earnings is made to clients at the time of investments. Option of Direct Plan for every Mutual Fund Scheme is available to investors offering advantage of lower expense ratio. We are not entitled to earn any commission on Direct plans. Hence we do not deal in Direct Plans.

AMFI Registered Mutual Fund Distributor | ARN-103123 | Date of Initial Registration: 22 June 2015 | Current Validity: 21 June 2027