Fixed Income
Fixed Deposits
A more considered fixed-income allocation.
Corporate and bank fixed deposits with defined cash flows. Choose cumulative growth or a regular payout, and model the maturity value before you commit.
In focus
Fixed Deposits
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Fixed Deposit Calculator
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Total Value
₹1,38,042
Indicative. Compounded quarterly to maturity.
Overview
What is Fixed Deposits?
A fixed deposit places a sum for a fixed tenure at a stated interest rate. Interest is either compounded to maturity (cumulative) or paid periodically, and both the rate and payout mode vary by issuer and tenure.
What to know
- Defined tenure and interest rate
- Cumulative or periodic (monthly / quarterly) payout
- Model maturity value and total interest upfront
- Interest and principal are obligations of the issuer
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FAQs
Frequently asked questions
What is the difference between cumulative and payout?
Cumulative compounds interest to maturity; a payout deposit pays interest periodically while the principal is returned at maturity.
Is the rate guaranteed?
A fixed rate is contractual for the tenure, but interest and principal depend on the issuer meeting its obligations.
How is the interest taxed?
Interest and withholding treatment depend on the applicable tax rules and your holding — please consult your advisor.