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Fixed Deposits
Fixed Deposits (FDs) are traditional investment instruments offered by both banks and non-banking financial companies (NBFCs). NBFC fixed deposits, also known as corporate fixed deposits, often provide higher interest rates compared to those offered by banks. Senior citizens and female investors receive preferential interest rates as well.
There are two main types of FDs:
- Cumulative FDs: Interest accumulates over the deposit tenure, and the entire amount (principal + interest) is paid out at maturity.
- Non-Cumulative FDs: Ideal for generating regular income, especially for retirees, as they provide interest payouts at regular intervals (monthly, quarterly, half-yearly, or annually).
The flexibility of deposit tenures, ranging from 12 months to 60 months or more, allows investors to align their FDs with both short- and long-term financial goals. NBFC fixed deposits also offer liquidity options for premature withdrawals and allow loans against the FD.
NBFC FDs are considered safe investments due to assured returns and stable interest rates throughout the tenure, shielding investors from market fluctuations. These deposits are compulsorily rated by rating agencies and regulated by the Reserve Bank of India (RBI), ensuring safety for investors.
In summary, NBFC fixed deposits offer attractive returns, flexibility, and security, making them a popular choice for risk-averse investors. We facilitate investments in NBFC Fixed Deposits.
Advantages of Investing in NBFC Fixed Deposits
- Attractive Interest Rates: Often provide higher interest rates compared to banks, maximizing your returns.
- Preferential Rates: Senior citizens and female investors receive additional preferential interest rates.
- Flexible Tenures: Choose from deposit tenures ranging from 12 months to 60 months or more to meet various financial goals.
- Cumulative and Non-Cumulative Options: Opt for interest accumulating over the deposit tenure or regular interest payouts to suit your income needs.
- Liquidity: Offers options for premature withdrawals, providing access to funds when required.
- Loan Facility: Allows you to avail loans against the FD, offering additional financial flexibility.
- Assured Returns: Provides stable interest rates throughout the tenure, protecting against market fluctuations.
- Safety and Security: Investments are rated by rating agencies and regulated by the Reserve Bank of India (RBI), ensuring the safety and reliability of your investments.
Our Edge Hassle-Free Investing with Confidence
- One-Stop App to access a wide range of investment products.
- Seamless Digital Platform for paperless KYC, onboarding, investing, and monitoring
- Goal-Based Planning to achieve specific financial goals
- Tailored and Diversified Portfolios for higher risk-adjusted returns
- Expert Guidance from certified professionals
- Dynamic Rebalancing to ensure optimal performance and minimize costs
- Transparency and Bank-Grade Security with TLS encryption and Two-Factor Authentication (2FA)
- Zero Fee for maximum investment growth
