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Fixed Deposits

Everything about fixed deposits in India — how FDs work, FD types, interest rates, premature withdrawal rules, TDS and NBFC deposits.

What is FD Tenure and How Do You Choose the Right Duration? FD tenure is the length you lock money in a fixed deposit. Match it to your goal timeline: 6 months for short needs, 1 to 2 years … 5 min read
What is the Minimum Amount to Open an FD in India? You can open a fixed deposit in India with as little as 100 rupees at some public sector banks or 1,000 rupees at most private ban… 5 min read
What Does Callable FD Mean and Should You Worry About It? A callable fixed deposit gives your bank the right to end your FD and return your money before its maturity date. For most retail … 5 min read
Can You Split One Large FD Into Multiple Smaller FDs? Yes, you can and often should split one large Fixed Deposit (FD) into multiple smaller ones. This strategy, known as laddering, pr… 5 min read
Is an FD an Asset or a Liability in Your Balance Sheet? A fixed deposit is an asset on your personal balance sheet — you own the right to receive your principal and interest back from th… 5 min read
What is FD Rollover vs FD Renewal — Are They the Same? FD rollover and FD renewal are very similar, often used interchangeably, but not quite the same. FD renewal is a general term for … 5 min read
Sweep-In FD vs Flexi FD — Are They the Same Product? No, Sweep-In FDs and Flexi FDs are not always the same product, though banks often use the terms interchangeably. Both link your s… 5 min read
FD for a Child's Education Fund — Which Tenure Works Best? A Fixed Deposit (FD) is a safe way to save for your child's education. The best tenure depends on your child's age: choose a long-… 5 min read
SBI vs HDFC vs ICICI FD — How to Compare and Choose Choosing between SBI, HDFC, and ICICI fixed deposits depends on your priorities. SBI offers maximum security as a government-owned… 5 min read
How to Check FD Status Online — Balance, Maturity and Interest To check your FD status online, log in to your bank's net banking portal or mobile app and navigate to the 'Deposits' section. The… 5 min read
How to Update Nominee Details on an Existing Fixed Deposit You can update the nominee on an existing fixed deposit through net banking, the bank app, or a branch visit using Form DA1. Provi… 5 min read
What to Do If Your FD Was Auto-Renewed at a Lower Rate A fixed deposit in India is a secure investment where you lock in money for a set period at a fixed interest rate. If it auto-rene… 5 min read
Why Is My FD Not Showing in My Passbook or Net Banking? A fixed deposit not showing in your passbook or net banking is usually due to a linking issue, like having a separate customer ID … 5 min read
How to Compare FD Renewal Options Across Multiple Banks To compare FD renewal options across multiple banks, list maturities, fix the tenure, build a five-bank rate sheet, and adjust for… 5 min read
Can You Open an FD With a Cash Deposit — RBI Rules Explained You can open a fixed deposit with cash up to 50,000 rupees per deposit. Above that, RBI rules require funds to flow through bankin… 5 min read
How to Split FD Maturity Proceeds Into Different Investments When your Fixed Deposit (FD) matures, you don't have to roll it over into another FD. You can split the maturity proceeds into dif… 5 min read
What is the Right Number of FDs to Hold at One Time? For most retail savers, three to six FDs across two to three banks is the right number. The split protects DICGC insurance coverag… 5 min read
NBFC FD vs Bank FD — Which Gives Higher Returns? NBFC FDs generally offer higher interest rates than Bank FDs due to their higher risk profile. However, Bank FDs are considered sa… 5 min read
What is a Bajaj Finance FD — Features and Safety Bajaj Finance FD pays 1 to 2 percent more than bank FDs but is not covered by DICGC. AAA credit rating makes it relatively safe — … 5 min read
How to Check the Safety Rating of an NBFC FD Before Investing Check the safety of an NBFC FD by confirming RBI deposit license, credit ratings from two agencies, capital adequacy, NPA levels, … 6 min read
What is the NBFC FD Interest Rate Spread Over Bank FD? NBFC Fixed Deposits (FDs) generally offer a higher interest rate spread over Bank FDs because non-banking financial companies (NBF… 5 min read
Is the Higher Interest Rate in an NBFC FD Worth the Extra Risk? Higher interest rates in NBFC FDs can be tempting, but they come with increased risk compared to bank FDs because they lack deposi… 5 min read
NBFC FD Premature Withdrawal — Rules and Penalties NBFC fixed deposits typically have a 3-month lock-in before any premature withdrawal is allowed. After lock-in, withdrawal is perm… 5 min read
PNB Housing Finance FD vs Bank FD — Safety and Returns PNB Housing Finance FDs offer higher interest rates but come with a slightly higher risk as they are not insured by DICGC. Bank FD… 5 min read
AU Small Finance Bank FD vs Regular Bank FD — Comparison AU Small Finance Bank FD pays 0.75 to 1.25 percentage points more than regular bank FDs. Both are insured up to 5 lakh rupees, so … 5 min read
Form 15G vs Form 15H — What is the Difference? Form 15G is for people below 60 with income under the exemption limit. Form 15H is for senior citizens with zero tax liability. Bo… 5 min read
How to Submit Form 15G Online to Your Bank — Step by Step Form 15G is a declaration you submit to your bank stating that your annual income is below the taxable limit. Submitting it online… 5 min read
Under Which ITR Form Do You Report FD Interest Income? FD interest is reported under Income from Other Sources in your ITR. Salaried filers with income up to 50 lakh rupees use ITR-1, t… 5 min read
What is the Tax Rate on FD Interest for Different Income Slabs? The tax rate on Fixed Deposit (FD) interest in India depends entirely on your total annual income. Your FD interest is added to yo… 5 min read
What is Section 80TTB for FD Interest — Senior Citizen Deduction Explained Section 80TTB gives resident senior citizens in India a deduction of up to 50,000 rupees per year on interest income from savings … 5 min read
What to Do If FD Interest Is Not Reflecting in Form 26AS FD interest missing from Form 26AS usually points to a PAN mismatch, a sub-threshold TDS amount, or a timing gap. Check AIS, confi… 5 min read
What is the TDS Deduction Threshold for FD Interest in a Year? The TDS deduction threshold for FD interest in a year is 40,000 rupees for general citizens. For senior citizens aged 60 and above… 5 min read
How to Avoid Double Taxation on FD Interest Across Two Financial Years To avoid double taxation on FD interest, you must report income on an accrual basis. This means declaring the interest earned in a… 5 min read
What is the Tax on FD Interest for a Partnership Firm or Company? For a partnership firm in India, interest earned on a fixed deposit is added to the business income and taxed at a flat rate of 30… 5 min read