Fixed Deposits (FDs) are one of the safest and most reliable investment options that offer guaranteed returns with capital protection.
At Triraj Research And Asset Management Consultancy, we assist you in selecting the best FD plans with higher interest rates, flexible tenure options, and secure investment opportunities.
1. Why Choose Fixed Deposits?
🔒 Capital Safety: Your principal amount is secure and grows over time.
📈 Guaranteed Returns: Earn fixed interest rates without market volatility.
💸 Flexible Tenure: Choose from short-term (7 days) to long-term (10 years) FDs.
💰 Higher Interest Rates: Attractive interest rates, especially for senior citizens.
📆 Regular Income Option: Monthly, quarterly, or annual interest payouts for passive income.
2. Types of Fixed Deposits
🏦 Bank Fixed Deposits: Traditional FDs offered by banks with fixed interest rates.
🏡 Corporate Fixed Deposits: Higher interest rates but with slightly higher risk.
👵 Senior Citizen Fixed Deposits: Additional benefits for retirees with extra interest rates.
🛠️ Tax-Saving Fixed Deposits: 5-year lock-in period with tax benefits under Section 80C.
🔄 Recurring Deposits: A monthly saving plan with FD benefits.
3. FD Interest Rates & Taxation
📊 Interest Rates: Generally 5% to 7.5%, varying by bank and tenure.
💼 Tax Deduction: TDS applies if interest exceeds ₹40,000 per year (₹50,000 for senior citizens).
🛡️ Tax-Free Options: Tax-saving FDs provide exemptions under Section 80C.
4. How to Invest in Fixed Deposits?
🏦 Choose the Right Bank/NBFC: Compare FD interest rates before investing.
📆 Select Tenure: Based on your financial goals and liquidity needs.
💳 Deposit Funds: Open FD via online banking or at a branch.
🔄 Renew or Withdraw: At maturity, reinvest or withdraw the amount.
Secure your savings and earn risk-free returns with Fixed Deposits! Consult with Triraj Research And Asset Management Consultancy for the best FD plans tailored to your financial needs.
