 "What is a Fixed Deposit?")
Fixed Deposit
What is a Fixed Deposit?
Fixed deposit (FD) is one of the safest investment options through which people can earn relatively higher interest in comparison to a regular savings account. Interest is accumulated on the deposited amount over a fixed period of time. The interest rate depends on the type of lenders (public sector, private sector, or small finance banks). Senior citizens are usually offered higher interest rates. In the case of an emergency, you can easily liquidate your FD and get the funds.
The tenures in fixed deposit schemes are flexible. Investors can choose the tenure according to their convenience.
Once the amount has been deposited
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Latest Updates on Fixed Deposit
FD rates in Nov: From SBI to Yes Bank, top interest offers across banks
Banks have trimmed fixed deposit rates in recent months, but several lenders still offer competitive returns across key tenures. Here is a detailed look at the latest FD slabs for investors
 "FD rates in Nov: From SBI to Yes Bank, top interest offers across banks")
Fixed deposits: A low-risk option if you are not the worrying type
Here is a detailed list of the fixed deposit interest rates being offered by various banks across different tenures
 "Fixed deposits: A low-risk option if you are not the worrying type")
Lower CASA ratios, declining FDS raise deposit stability concerns for bank
This comes amid concerns in some quarters over the increased preference for capital market investments by households looking for higher yields
 "Lower CASA ratios, declining FDS raise deposit stability concerns for bank")
Best fixed deposit rates in October 2025: 15 banks offering top returns
FD Rates in October 2025: Fixed deposits remain a safe bet, but the right mix of laddering, diversification and payout choice can boost returns. Here's how October 2025 FD rates stack up across banks
 "Best fixed deposit rates in October 2025: 15 banks offering top returns")
FD rates up to 8.40%: Small finance banks lead, PSU banks stay lower
FD Rates for Senior citizen: Senior citizens can now earn up to 8.40% on fixed deposits, with Suryoday Small Finance Bank offering the highest rate
Loan against insurance: Compare with FD, gold, and top-up loans
Remember, if surrender value falls below dues, the policy is foreclosed, leading to loss of coverage
 "Loan against insurance: Compare with FD, gold, and top-up loans")
FD interest payout tips: How monthly, quarterly and cumulative differ
A ₹10 lakh FD in Punjab National Bank shows how your returns can change depending on whether you pick monthly, quarterly or cumulative interest, and how tax rules apply
RBI leaves repo rate unchanged, FD rates unlikely to move higher for now
The central bank's decision to keep the policy rate at 5.5 per cent, and inflation projected to stay low, means that fixed deposit rates are not likely to be revised upwards
 "RBI leaves repo rate unchanged, FD rates unlikely to move higher for now")
Bad news for FDs: Rates to fall sharply as RBI cuts repo rate by 50 bps
RBI cuts repo rate by 50 bps to 5.5%. FD interest rates fall further, prompting investors to consider laddering, hybrid funds, and small savings schemes for better returns
 "Bad news for FDs: Rates to fall sharply as RBI cuts repo rate by 50 bps")
What are the best fixed deposit rates for senior citizens?
Senior citizens are often loathe to deal with the intricacies of complex financial instruments. In such cases, it might be a good idea to just park their savings in a fixed deposit
Up to 9% interest rates: FD rates in may, small fin banks lead
In May 2025, small finance banks are offering the highest FD interest rates, with NorthEast Small Finance Bank leading at 9%. Explore the best rates across small finance, private, public, and foreign
Need to break your fixed deposit early? Here's how to slash penalty costs
Learn how to minimize penalties on premature FD withdrawals by choosing the right bank and smart structuring strategies like laddering, sweep-in, and loans against FDs.
 "Need to break your fixed deposit early? Here's how to slash penalty costs")
How to navigate a market when both equity returns and FDs are declining
Exposure to gold and longer-duration debt, and purchasing equity funds systematically as valuations soften can help investors navigate this phase
 "How to navigate a market when both equity returns and FDs are declining")
BoI lowers FD rates, ends 400-day special scheme offering 7.30% interest
Several lenders have revised their fixed deposit plans after central bank cut the repo rate
 "BoI lowers FD rates, ends 400-day special scheme offering 7.30% interest")
SBI cuts FD rates, reintroduces 'Amrit Vrishti' scheme with lower returns
The highest rate is now 6.90 per cent for deposits of 2 to 3 years for regular customers, and 7.50 per cent for senior citizens for deposits of 5 to 10 years
 "SBI cuts FD rates, reintroduces 'Amrit Vrishti' scheme with lower returns")
Bank of India cuts interest rates on short and medium-term FDs
The decision came on Saturday (April 12) after the Reserve Bank of India cut the policy repo rate by another 25 bps to 6 per cent
 "Bank of India cuts interest rates on short and medium-term FDs")
RBI rate cut to hit Fixed Deposit returns: What investors can do now
This second cut in three months could affect returns for fixed deposit (FD) holders
 "RBI rate cut to hit Fixed Deposit returns: What investors can do now")
Stable returns, flexible tenure: Why do you need FDs in your portfolio?
Fixed deposits ensure that the principal amount invested is preserved. Investors can rest assured that they will receive their initial investment back along with accrued interest at maturity
Madras HC: FDs, jewellery qualify as property under Senior Citizens Act
In a recent judgement, the Madras High Court held that fixed deposits (FDs) and jewels come under the definition of property under the Senior Citizen Act, 2007
 "Madras HC: FDs, jewellery qualify as property under Senior Citizens Act")
DCB Bank cuts FD interest rates; now offers 8% for deposits below Rs 3 Cr
The bank now offers interest rates between 4.25 per cent and 8.50 per cent on FD amounts below Rs 3 crore for senior citizens for tenures ranging from 7 days to 10 years
