What is the minimum amount required to open a Fixed Deposit?

The minimum investment amount varies depending on the bank or financial institution offering the Fixed Deposit. The applicable minimum deposit and eligibility criteria should be checked before investing.

How is the interest on a Fixed Deposit calculated?

Interest depends on the deposit amount, applicable interest rate, tenure, and payout option selected. Depending on the FD scheme, interest may be paid periodically or compounded and paid at maturity.

Can I withdraw my Fixed Deposit before maturity?

Premature withdrawal may be permitted, subject to the terms and conditions of the issuing institution. Penalties or reduced interest rates may apply, and certain deposit schemes may restrict premature withdrawals.

Are Fixed Deposits a safe investment option?

Fixed Deposits can offer predictable returns when held with a financially sound institution. However, the level of safety depends on the issuer. In India, eligible bank deposits are insured by DICGC up to ₹5 lakh per depositor per insured bank, including principal and interest, subject to applicable rules. Corporate and NBFC deposits do not receive DICGC insurance.

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Fixed Deposits from India's Leading Institutions

Compare interest rates, tenures and features to find the right fixed deposit for your financial goals.

HDFC Bank

7.10% p.a.

(General - 1 Year)

Senior Citizen:7.60% p.a.

Min. Deposit:₹5,000

ICICI Bank

7.00% p.a.

(General - 1 Year)

Senior Citizen:7.50% p.a.

Min. Deposit:₹10,000

SBI

6.80% p.a.

(General - 1 Year)

Senior Citizen:7.30% p.a.

Min. Deposit:₹1,000

Axis Bank

6.90% p.a.

(General - 1 Year)

Senior Citizen:7.40% p.a.

Min. Deposit:₹5,000

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IS A FIXED DEPOSIT RIGHT FOR YOU?

A service for every goal

Build an Emergency Fund

Stay prepared for life's uncertainties

Short to Medium Term Goals

Plan for milestones with certainty

Conservative Investors

A lower-risk option for stable returns

Retirees

A dependable source of regular income

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FREQUENTLY ASKED QUESTIONS

Fixed Deposit (FD) — FAQs

Key regulatory and procedural answers regarding bank and corporate fixed deposits, interest compounding, and deposit safety.

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A Fixed Deposit is a financial instrument that allows you to invest a lump sum for a predetermined period at a specified interest rate, helping you earn predictable returns over the investment tenure.

Stability TodayGreater PossibilitiesTomorrow

Safety & Security

Attractive Interest Rates

Flexible Tenures

Regular or Cumulative

Tax-Saving Options

Guided by Experts

Fixed Deposits from India's Leading Institutions