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Fixed Deposit

Fixed Deposit

Overview

A Fixed Deposit (FD) is a traditional yet highly reliable investment product offered by banks and non-banking financial companies (NBFCs), where an individual can deposit a lump sum amount for a specific tenure at a predetermined interest rate. The amount earns interest over the tenure and can be withdrawn on maturity. FDs are ideal for risk-averse individuals looking to preserve capital while earning a stable return. Financial institutions also offer cumulative and non-cumulative options, allowing you to choose whether to receive periodic interest payouts or reinvest the interest for compounding.

Key Benefits
Guaranteed Returns

The interest rate is fixed at the time of deposit, ensuring predictable earnings unaffected by market volatility.

Flexible Tenure

Choose a term ranging from 7 days to 10 years depending on your financial goals.

Senior Citizen Benefits

Higher interest rates (usually 0.25% to 0.75% more) are offered for senior citizens.

Loan Facility

Avail of loans or overdrafts against your FD without breaking it.

Tax Saver FD Option

Offers a 5-year lock-in with tax benefits under Section 80C (up to ₹1.5 lakh deduction).

Safe Investment

Protected under DICGC insurance up to ₹5 lakh per depositor per bank.

Why Fixed Deposit?

Capital Safety: Provides guaranteed returns with minimal risk, ideal for conservative investors.|Assured Returns: Interest rates are fixed, so you know exactly how much you will earn.|Flexible Tenure: Choose from short- to long-term deposits as per your needs.|Loan Facility: Avail of loans against your FD in times of financial need without breaking it.|Tax Saver Option: 5-year tax-saving FDs offer deductions under Section 80C of the Income Tax Act.

Our Experts

Our commitment to quality, including the results of our internal, governance and the standards that expect all of our member firms to follow.

Our Leadership Team

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What Our Customers Feel About Our Services!

When our customers succeed, so do we!!

“At 55, I wanted to secure my retirement but didn’t know where to start. Riddhi Investments offered me a clear and practical roadmap, including post office schemes and low-risk mutual funds. Their personalized approach helped me balance safety with growth. I now have a retirement portfolio that gives me confidence and peace. Their professionalism and dedication are rare in today’s fast-paced market.”

- Raj Verma

“We approached Riddhi Investments to help us plan for our daughter’s higher education. They crafted a comprehensive investment strategy using child insurance and SIPs that gave us peace of mind. We now feel financially prepared for any academic goal she sets. The team’s knowledge and attention to detail are unmatched. They’re not just financial advisors—they're our long-term partners.”

- Neha Kapoor

“As an NRI, it was tough to find a trustworthy investment partner in India. Riddhi Investments made the entire process seamless. They walked me through tax-saving schemes, insurance plans, and even fixed deposits with clarity and honesty. What I appreciated most was their responsiveness—whether over WhatsApp or email, they’re always available. Their integrity and personalized service have earned my complete trust.”

- Karan Mehta

“What sets Riddhi Investments apart is their honesty and professionalism. As someone who was skeptical about investments, I was pleasantly surprised by how clearly they explained every option. They helped me build a secure portfolio including SIPs, health insurance, and FDs, all tailored to my needs. There’s no sales pressure—only genuine advice. I now recommend them to all my family and friends.”

- Rina Patel

“I’ve been investing with Riddhi Investments for over 5 years, and I couldn’t be happier with their service. They take the time to understand my financial goals, risk appetite, and future plans before recommending any product. From mutual funds to life insurance, every investment has been explained transparently, and I’ve seen consistent returns. The team is proactive, well-informed, and genuinely committed to my financial growth. Highly recommended for anyone who wants stress-free financial planning.”

- Rahul Patel