Fixed Deposits & Post Office Schemes
For money that needs predictable interest, we facilitate fixed deposits and Post Office small savings schemes.
Fixed deposits are facilitated with four issuers: Shriram Finance, HDFC Bank, PNB Housing and LIC HFL. On the Post Office side we help with the small savings schemes: Monthly Income Scheme (MIS), National Savings Certificate (NSC), Kisan Vikas Patra (KVP), Time Deposit (TD) and the Senior Citizens Savings Scheme (SCSS).
NBFC deposits carry the credit risk of the issuer and are not covered by bank deposit insurance, so we share the credit rating and terms before you invest. Post Office scheme rates are notified by the Government every quarter.
What is included
- Shriram Finance fixed deposits
- HDFC Bank fixed deposits
- PNB Housing and LIC HFL deposits
- Post Office MIS, NSC and KVP
- Post Office Time Deposit (TD)
- Senior Citizens Savings Scheme (SCSS)
- Renewal and maturity reminders
How it works
- Decide the tenure
Match the deposit period with when you need the money. - Check rating and rate
Credit rating, interest rate and payout options. - Submit the application
KYC, cheque or online payment and nominee details. - Track maturity
We remind you ahead of maturity and renewal dates.
Common questions
Are corporate FDs insured?
No. DICGC insurance applies to bank deposits only, up to ₹5 lakh per depositor per bank.
Can I break an FD early?
Usually yes, with a lower interest rate or penalty, as per the issuer's terms.
Is TDS deducted on interest?
TDS may apply above specified thresholds. Form 15G/15H can be submitted where eligible.
Other services
Speak with us before you invest
Share what you are looking for and we will walk you through the options, documents and next steps. No charge for a conversation.
