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Fixed Deposit

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Fixed Deposit

Invest in India’s Favourite Investment Product

What is Fixed Deposit?

A fixed or term deposit is a one-time lump sum option offering a guaranteed return on your investment. It is offered by the bank or other financial institutions and has a fixed tenure, ranging from a few months to several years. Known for their low risk, FDs are considered safe investments as they provide guaranteed returns. 

 

You can choose your investment amount and tenure on your own. Apart from this, you can also choose interest payment options, receiving payouts periodically or at maturity. Fixed deposit interest rates vary based on the tenure or period you are willing to invest.

Fixed Deposits

Benefits of Fixed Deposits

Assured Returns

No matter how interest rates move or the economy performs, you will get the returns fixed at the time of investing.

Faster Growth with Compound Interest

You earn interest on the interest amount too. This helps you accumulate a big amount with ease.

Higher Rates for Senior Citizens

Senior citizens can earn more from their life's savings and move one step closer to a no-compromise retired life.

Flexibility in Choosing Maturity Terms

FDs offer the flexibility to select different maturity terms, allowing you to align your investment with your financial goals.

Auto-Renewal Option

Auto-renewal options let you continue your FD without additional formalities at maturity, ensuring a seamless continuation of your investment.

Fixed Deposit

3 Reasons Why You Need to Include FD in Your Portfolio

Reduces portfolio risk

Investing a part of your money in products whose returns are not dependent on markets helps reduce overall risk

Brings certainty of returns

You can plan your future spending more confidently as you know how much money will come in and when.

No worries for urgent goals

Assured returns and the safety of the invested amount make sure you can meet these goals with ease.

Comparison

FD vs Other Instruments

Parameter Fixed Deposit Mutual Funds Savings Account
Returns Fixed & Guaranteed Market Linked (Variable) Low (Variable)
Risk Low Moderate to High Low
Liquidity Medium (with penalty) High High
Tax Benefit Sec 80C (Tax-saving FDs) ELSS under 80C No direct benefit
Ideal For Conservative investors Growth seekers Daily transactions

Fixed Deposit

Use Your FD For Any Purpose

Retirement

Save up for your golden years and get a lump sum corpus.

  • Get A Steady Source Of Interest Income
  • Plan For Emergencies
  • Plan A Legacy For Your Loved Ones
  • Get A Corpus For Travel Needs
  • Cover Medical Expenses

Higher Education

Save now with a long-term horizon and create a corpus for your child’s higher education

  • Create A Corpus For Higher Education
  • Guaranteed Returns Enhance The Corpus
  • Protect Your Capital Against Market Volatility
  • Choose A Long-Term Period For Maximum Returns
  • Compounded Returns For Attractive Earnings

Home Expenses

Build a corpus depending on your financial needs and make a supplemental fund for managing household expenses

  • Create A Fund For Household Expenses
  • Guaranteed Returns Provide Regular Income
  • Interest Payouts Supplement Your Income
  • Attractive Returns With Long-Term Investment
  • Liquidity Through Flexible Tenure Options

Wedding Expenses

Plan a grand celebration without worrying about the funds. Save up for your or your child's wedding and get a guaranteed corpus.

  • Save Up For A Fairytale Wedding
  • Get Guaranteed Returns To Create A Secured Corpus
  • Invested Capital Is Protected Against Market Volatility
  • Long-Term Savings Give Compounded Growth

Fixed Deposit

Why Amoolya by R9 Wealth for Your FD Needs?

AMFI Registered Distributor

Ensuring credibility and expert guidance.

Top Associations

Partnerships with leading NBFCs and Banks.

Customized Advice

Advice tailored to your financial goals.

Established Name

Proven expertise in wealth protection.

FAQs

Commonly Asked Questions

If you have any query regarding financial services please feel free to call us. Our team will be glad to serve you.

Why Invest in FD?

Fixed Deposits are a safe and stable investment option that offers guaranteed returns, regardless of market fluctuations. They are ideal for conservative investors seeking capital protection, steady interest income, and flexible tenures. FDs also provide benefits like DICGC insurance (up to ₹5 lakh for bank FDs) and easy liquidity in emergencies.

Yes, at Amoolya by R9 Wealth, you can also get tax-saver fixed deposits. However, these FDs come with a mandatory 5-year lock-in.

You can calculate interest on your fixed deposit using the compound interest formula:

Maturity Amount (A) = P (1+r/n) ^ (n*t)

Interest = A-P

Where,

P = Principal amount

r = Rate of interest (in decimals)

n = number of compounding in a year

t = number of years

However, its calculation can be tedious. You can use the Amoolya by R9 Wealth FD Interest Calculator to simplify it.

Yes, there is an auto-renewable option if you wish to renew your fixed deposits.

Yes, it is safe to invest in FDs through Amoolya by R9 Wealth. Bank-offered fixed deposits are protected by DICGC insurance of up to ₹5 lakh. For FDs offered by NBFCs, Amoolya by R9 Wealth partners only with institutions that hold high credit ratings, ensuring strong financial stability and a low risk of default.

Yes, you can withdraw your money from your Amoolya by R9 Wealth FD, but there may be penalty charges in the form of a reduced interest rate.

The minimum amount varies across Banks and NBFCs, typically ranging from ₹25,000 to ₹20,00,000.

In case of emergencies, instead of breaking Fixed Deposit, you can obtain loan against the deposited amount. The sanctioned amount is usually 60-75% of the fixed deposit amount and is offered at a competitive interest.

Yes, parents or guardians can open a fixed deposit account in the name of a minor.

Yes, NRIs can open a fixed deposit account.

FD is locked with a specific rate, you will continue to receive that rate till maturity, even if interest rates change later. If you wish to avail the new rate, you need to invest in a new Fixed Deposit.

As discussed above, fixed deposits come with a fixed tenure of your choice. Hence, you receive the total maturity amount once your tenure is over. But, if there is any emergency and you need funds, then in this scenario, you can opt for premature withdrawal, wherein you can withdraw your complete FD amount and interest earned. But in this case, you will have to bear penalties. You will get a reduced interest rate. Some banks and other financial institutions also offer partial withdrawal facilities, where you can withdraw part of your investment while your remaining investment earns interest.

At maturity, you will receive your investment amount along with earned interest. However, if you do not want to redeem your investment and want to remain invested for more years, you can use the renewal option. This option allows you to renew your fixed deposits with different terms, such as a new amount, FD interest rates, or tenure. You can opt for the auto-renewal option when opening your FD to avoid additional formalities at maturity. This option ensures that your FD is automatically renewed for the same tenure at the prevailing interest rate, allowing you to continue earning interest without needing to provide further instructions.

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