Fixed Deposits
Our fixed deposit services help you identify and invest in the best FD options from HDFC Bank. We provide access to competitive interest rates, flexible tenure options, and specialized FD products to help you achieve your financial goals with guaranteed returns.
Key Features
Bank FDs
Access fixed deposits from all major banks with competitive interest rates and flexible tenures.
Corporate FDs
Higher-yielding deposit options from reputed companies with strong credit ratings.
Special FD Programs
Access to special FD schemes for seniors, tax-saving deposits, and more.
Benefits
Higher interest rates compared to savings accounts
Guaranteed returns with capital protection
Flexible tenure options from 7 days to 10 years
Special rates for senior citizens
Option for regular interest payouts or cumulative growth
HDFC Bank Partnership
Exclusive offerings through our partnership with HDFC Bank
Frequently Asked Questions
Are fixed deposits safe investments?
Yes, FDs are among the safest investment options in India. Bank FDs are insured by DICGC up to ₹5 lakhs, while corporate FDs with high credit ratings also offer good safety with higher returns.
What happens if I need to withdraw before maturity?
Premature withdrawals are allowed with a penalty on the interest rate, typically 0.5% to 1%. Some banks also offer loan facilities against FDs as an alternative to premature withdrawal.
How are FDs taxed?
Interest earned on FDs is taxable as per your income tax slab. TDS is applicable at 10% if the interest exceeds ₹40,000 per year (₹50,000 for senior citizens). Tax-saving FDs offer deduction under Section 80C but have a 5-year lock-in period.
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