{"id":109,"date":"2026-03-09T10:48:21","date_gmt":"2026-03-09T10:48:21","guid":{"rendered":"https:\/\/jdminteriors.in\/trendsblog\/?p=109"},"modified":"2026-03-09T12:36:19","modified_gmt":"2026-03-09T12:36:19","slug":"what-is-a-fixed-deposit","status":"publish","type":"post","link":"https:\/\/trendreversal.in\/blogs\/what-is-a-fixed-deposit\/","title":{"rendered":"What is a fixed deposit?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"109\" class=\"elementor elementor-109\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-75cb4381 e-flex e-con-boxed e-con e-parent\" data-id=\"75cb4381\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3271e51b elementor-widget elementor-widget-text-editor\" data-id=\"3271e51b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Imagine this. You\u2019ve got some extra money lying in your savings account. It\u2019s just sitting there, earning tiny bits of interest every month. You want that money to grow, but you don\u2019t want to risk losing it either. So, what do you do in this situation?&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is where Fixed Deposits (FDs) come into the picture.&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, <\/span><b>what is a fixed deposit<\/b><span style=\"font-weight: 400;\">?&nbsp;<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A fixed deposit (FD) is one of the oldest and most trusted ways to save and grow money in India. It is a savings instrument offered by banks and non-banking financial companies (NBFCs). You can think of it as you lending your money to a bank for a set period, which could be as short as 7 days or as long as 10 years, and in return, the bank promises to pay you back with guaranteed interest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FDs are popular because they are simple, low-risk, and give predictable returns. One does not have to track markets or be worried about price fluctuations.<\/span><\/p>\n<h2><b>How Does an FD Work?<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">When you <\/span><b>open an FD<\/b><span style=\"font-weight: 400;\">, you choose:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the amount you want to deposit<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the tenure (ranging from 7 days to 10 years) &#8211; depending on your preference<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">the type of payout (lump sum at maturity or regular interest payouts)&nbsp;<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When you open an FD, you place a lump sum with the bank at a predetermined <\/span><b>FD interest rate<\/b><span style=\"font-weight: 400;\">. During this period, the bank holds your money and pays you interest on it. You can decide how you want to get the interest &#8211; either have it reinvested and received along with your principal at maturity, or receive it as periodic payouts every month, quarter, half-year, or year.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the end of the term, you get your original amount (the <\/span><b>FD principal<\/b><span style=\"font-weight: 400;\">) plus the interest earned. The interest rate does not change throughout the tenure, so you know exactly how much you will get at maturity.<\/span> <span style=\"font-weight: 400;\">If you withdraw the FD before maturity, the bank may charge a penalty and reduce the interest.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because the rate stays fixed from the day you open the FD, your returns remain unaffected by market ups and downs. This makes <\/span><b>FDs a safe option<\/b><span style=\"font-weight: 400;\">, especially for short- and medium-term goals.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-07bb629 e-flex e-con-boxed e-con e-parent\" data-id=\"07bb629\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-22667ae elementor-widget elementor-widget-image\" data-id=\"22667ae\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"450\" src=\"https:\/\/trendreversal.in\/blogs\/wp-content\/uploads\/2026\/03\/Blog-1.2-1-1024x576.png\" class=\"attachment-large size-large wp-image-504\" alt=\"Types of Fixed Deposits\" srcset=\"https:\/\/trendreversal.in\/blogs\/wp-content\/uploads\/2026\/03\/Blog-1.2-1-1024x576.png 1024w, https:\/\/trendreversal.in\/blogs\/wp-content\/uploads\/2026\/03\/Blog-1.2-1-300x169.png 300w, https:\/\/trendreversal.in\/blogs\/wp-content\/uploads\/2026\/03\/Blog-1.2-1-768x432.png 768w, https:\/\/trendreversal.in\/blogs\/wp-content\/uploads\/2026\/03\/Blog-1.2-1-1536x864.png 1536w, https:\/\/trendreversal.in\/blogs\/wp-content\/uploads\/2026\/03\/Blog-1.2-1-2048x1152.png 2048w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbe3221 elementor-widget elementor-widget-text-editor\" data-id=\"bbe3221\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<h2><b>Types of Fixed Deposits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">You might think an FD is just an FD, but banks offer them in different types to suit different needs. Here are some of the <\/span><b>most common types of FD<\/b><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ol>\n<li><b> Regular Fixed Deposit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This is the most widely used type of FD. You place a lump sum with the bank for a fixed tenure and earn interest at a predetermined rate. The interest can be paid out monthly, quarterly, half-yearly, or annually, as per your preference. It offers stable, predictable <\/span><b>FD returns<\/b><span style=\"font-weight: 400;\"> that can help you work towards various financial goals.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Tax-Saving Fixed Deposit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">This FD is designed to help you save on income tax.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It has a lock-in of 5 years &#8211; you cannot withdraw before that.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can claim a deduction of up to \u20b91.5 lakh under Section 80C of the Income Tax Act.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It\u2019s useful when you want safe returns and also want to lower your taxable income. Just remember, the interest you earn is still taxable and deducted at source(TDS).<\/span><\/p>\n<ol start=\"3\">\n<li><b> Cumulative Fixed Deposit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">In a cumulative FD, the interest you earn is not paid out immediately. Instead, it is added back to your principal after each compounding period. This way, you earn interest on the interest, which can grow your money faster over time. You receive the full amount (principal + accumulated interest) at <\/span><b>FD maturity<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s a good choice when you don\u2019t need regular income and are saving for a future goal &#8211; like buying a car in three years or building a wedding fund.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Non-Cumulative Fixed Deposit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Here, the bank pays you the interest at regular intervals &#8211; monthly, quarterly, half-yearly, or annually. This allows you to have a steady stream of income during the FD\u2019s tenure. The principal stays locked in until maturity.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s suitable if you want a steady income stream from your investment, such as retirees or anyone who relies on <\/span><b>FD interest payouts<\/b><span style=\"font-weight: 400;\"> for daily expenses.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Senior Citizen Fixed Deposit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">These FDs are specifically for individuals aged 60 and above.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Banks usually offer between 0.25% to 0.75% higher <\/span><b>FD rates<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior citizens can also get higher TDS exemption limits (\u20b91,00,000 per year) on the interest.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It\u2019s a safe and stable way for older investors to earn slightly better returns and generate regular income.<\/span><\/p>\n<ol start=\"6\">\n<li><b> Flexi Fixed Deposit<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">A Flexi FD is linked to your savings account.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When your savings account balance crosses a set limit, the extra money automatically moves into an FD.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you need funds, the bank breaks only the required portion of your FD and puts it back into your account.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It combines the liquidity of a savings account with the higher returns of an FD, which makes it a convenient option if you want to earn better interest without locking up all your money.<\/span><\/p>\n<h2><b>Advantages of a Fixed Deposit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">FDs are widely used because they offer several clear benefits:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Safety<\/b><span style=\"font-weight: 400;\">: Your principal is protected, and banks are regulated by the Reserve Bank of India (RBI).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Guaranteed returns<\/b><span style=\"font-weight: 400;\">: You know in advance how much you will get at the end of the term.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible tenures<\/b><span style=\"font-weight: 400;\">: You can choose a period that suits your goals, ranging from a few days to several years.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>A simple process<\/b><span style=\"font-weight: 400;\">: Opening an FD is quick and can be completed online with minimal paperwork.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan facility<\/b><span style=\"font-weight: 400;\">: In case of urgent need, you can take a loan against your FD without breaking it.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Higher returns than savings accounts<\/b><span style=\"font-weight: 400;\">: FD interest rates are generally higher than savings account rates.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">These features make <\/span><b>FDs a stable and predictable investment option<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h2><b>Risk Factors Associated with Fixed Deposits<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Even though fixed deposits are considered safe and stable, they do come with certain risks and trade-offs. It\u2019s important to be aware of these before investing:<\/span><\/p>\n<ol>\n<li><b> Inflation Risk<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">FD interest rates are fixed, but the cost of goods and services (inflation) keeps rising. If inflation grows faster than your FD\u2019s returns, the real value of your money goes down over time, meaning your savings might buy you less in the future.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Liquidity Risk<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">When you invest in an FD, your money is locked in for the chosen tenure. If you need to withdraw early, you\u2019ll have to break the FD, which usually comes with penalties and lower interest. This makes FDs less flexible than other options.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Interest Rate Risk<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">The interest rate on your FD stays fixed throughout its tenure. If market interest rates go up after you\u2019ve booked your FD, you miss the chance to earn those higher rates on your money.<\/span><\/p>\n<ol start=\"4\">\n<li><b> Credit Risk<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">There\u2019s a small possibility that the bank or financial institution you invested with could face financial trouble or default. While this risk is low for large regulated banks, it can be higher for company (corporate) FDs, which will depend on the firm\u2019s financial health.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Opportunity Cost<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Locking money in an FD means you might miss out on other investments that could offer better returns, like stocks or mutual funds. If other markets perform well, your FD\u2019s fixed returns might be low in comparison.<\/span><\/p>\n<ol start=\"6\">\n<li><b>Taxability<\/b><b><br \/><\/b><span style=\"font-weight: 400;\">The interest you earn on an FD is taxable as per your income tax slab. This can reduce your actual (post-tax) earnings, especially if you fall into a higher tax bracket.<\/span><span style=\"font-weight: 400;\"><br \/><br \/><\/span><\/li>\n<\/ol>\n<p><b>Who Can Invest in a Fixed Deposit?<\/b><\/p>\n<p><b>Fixed deposits in India<\/b><span style=\"font-weight: 400;\"> are suitable for a wide range of investors:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Indian nationals<\/b><span style=\"font-weight: 400;\">: Resident individuals can open FDs in their own name or jointly with others.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Non-Resident Indians (NRIs)<\/b><span style=\"font-weight: 400;\">: NRIs can open FDs through NRE (Non-Resident External) or NRO (Non-Resident Ordinary) accounts.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Minors<\/b><span style=\"font-weight: 400;\">: Parents or guardians can open an FD on behalf of a minor child.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Senior citizens<\/b><span style=\"font-weight: 400;\">: Individuals aged 60 years and above can open FDs and also get higher interest rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Sole proprietors (single-person businesses)<\/b><span style=\"font-weight: 400;\">: Individuals running their own businesses can invest business funds in FDs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Partnership firms<\/b><span style=\"font-weight: 400;\">: Registered partnership firms can open FDs in the firm\u2019s name.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Companies<\/b><span style=\"font-weight: 400;\">: Private and public limited companies can park surplus funds in FDs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Clubs, associations, or societies<\/b><span style=\"font-weight: 400;\">: These registered entities can also invest their surplus funds in FDs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Joint investors or groups<\/b><span style=\"font-weight: 400;\">: Two or more individuals can open a joint FD together.<\/span><\/li>\n<\/ul>\n<h2><b>Why FDs Still Matter Today<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">With so many modern investment options available, it is natural to wonder if FDs are still relevant. They are still relevant because they serve a clear purpose. Not every rupee you save needs to chase high returns. Some of it needs to stay safe, liquid, and predictable.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">FDs do exactly that. They do not depend on market movements, they do not need monitoring, and they bring stability to your overall portfolio. That is why they continue to be a part of most Indian households\u2019 savings habits.<\/span><\/p>\n<h2><b>Final Thoughts<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A fixed deposit is a straightforward and dependable way to grow your savings. It will not give extraordinary returns, but it will give you certainty. You can decide the amount and the period, and you know exactly what you will get at the end.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For anyone who wants a safe, predictable, and easy-to-manage investment option, a fixed deposit remains a useful choice. It can quietly support your short-term goals, build your emergency fund, or simply give your savings a steady push forward.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a74aec elementor-widget elementor-widget-n-accordion\" data-id=\"3a74aec\" data-element_type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;expanded&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6120\" class=\"e-n-accordion-item\" open>\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"true\" aria-controls=\"e-n-accordion-item-6120\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Can I withdraw my fixed deposit before it matures? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6120\" class=\"elementor-element elementor-element-5e3cf47 e-con-full e-flex e-con e-child\" data-id=\"5e3cf47\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6120\" class=\"elementor-element elementor-element-23412e8 e-flex e-con-boxed e-con e-child\" data-id=\"23412e8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fac975f elementor-widget elementor-widget-text-editor\" data-id=\"fac975f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. The interest you earn is added to your total income and taxed as per your income tax slab.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6121\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6121\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Is the interest earned on a fixed deposit taxable? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6121\" class=\"elementor-element elementor-element-490d764 e-con-full e-flex e-con e-child\" data-id=\"490d764\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6121\" class=\"elementor-element elementor-element-18e952f e-flex e-con-boxed e-con e-child\" data-id=\"18e952f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-99e756b elementor-widget elementor-widget-text-editor\" data-id=\"99e756b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Yes. The interest you earn is added to your total income and taxed as per your income tax slab.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6122\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6122\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> How much of my FD amount is insured by the government? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6122\" class=\"elementor-element elementor-element-8d4c13c e-con-full e-flex e-con e-child\" data-id=\"8d4c13c\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6122\" class=\"elementor-element elementor-element-1b6fe17 e-flex e-con-boxed e-con e-child\" data-id=\"1b6fe17\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1f0f26 elementor-widget elementor-widget-text-editor\" data-id=\"a1f0f26\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) for up to <\/span><a href=\"https:\/\/www.rbi.org.in\/commonman\/english\/Scripts\/FAQs.aspx?Id=272\"><span style=\"font-weight: 400;\">\u20b95 lakh<\/span><\/a><span style=\"font-weight: 400;\"> per depositor per bank, covering both principal and interest.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6123\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6123\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Are FD interest rates the same across banks? <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-minus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-plus\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M416 208H272V64c0-17.67-14.33-32-32-32h-32c-17.67 0-32 14.33-32 32v144H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h144v144c0 17.67 14.33 32 32 32h32c17.67 0 32-14.33 32-32V304h144c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6123\" class=\"elementor-element elementor-element-26b8376 e-con-full e-flex e-con e-child\" data-id=\"26b8376\" data-element_type=\"container\">\n\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6123\" class=\"elementor-element elementor-element-2f243d9 e-flex e-con-boxed e-con e-child\" data-id=\"2f243d9\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5de98aa elementor-widget elementor-widget-text-editor\" data-id=\"5de98aa\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">No. <\/span><b>FD interest rates<\/b><span style=\"font-weight: 400;\"> vary from bank to bank, and also depend on the FD period and the amount you invest. Longer tenures often fetch slightly higher rates.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48bdbf1 e-flex e-con-boxed e-con e-parent\" data-id=\"48bdbf1\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Discover everything you need to know about Fixed Deposits (FDs) in India. Learn how FDs work, explore various types\u2014including tax-saving and senior citizen FDs\u2014and understand the benefits and risks of this trusted, low-risk investment for guaranteed returns.<\/p>\n","protected":false},"author":1,"featured_media":493,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8,12,19],"tags":[],"ppma_author":[33],"class_list":["post-109","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all","category-financial-literacy","category-fixed-deposit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What is a fixed deposit? - TrendReversal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/trendreversal.in\/blogs\/what-is-a-fixed-deposit\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a fixed deposit? - TrendReversal\" \/>\n<meta property=\"og:description\" content=\"Discover everything you need to know about Fixed Deposits (FDs) in India. 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