{"id":19934,"date":"2022-12-23T00:18:10","date_gmt":"2022-12-22T18:48:10","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=19934"},"modified":"2022-12-23T00:19:15","modified_gmt":"2022-12-22T18:49:15","slug":"fixed-deposit-fd-explained-kuvera","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/","title":{"rendered":"Fixed Deposit (FD) Explained"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d2c02175f29\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d2c02175f29\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/#What_are_fixed_deposits\" title=\"What are fixed deposits?\">What are fixed deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/#How_to_open_a_fixed_deposit_account\" title=\"How to open a fixed deposit account?\">How to open a fixed deposit account?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/#Cons_of_fixed_deposit\" title=\"Cons of fixed deposit\">Cons of fixed deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/#Is_Fixed_Deposit_a_good_investment_option_for_you\" title=\"Is Fixed Deposit a good investment option for you?\">Is Fixed Deposit a good investment option for you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/#What_is_Shriram_finance_FD\" title=\"What is Shriram finance FD?\">What is Shriram finance FD?<\/a><\/li><\/ul><\/nav><\/div>\n<h4><span class=\"ez-toc-section\" id=\"What_are_fixed_deposits\"><\/span><strong>What are fixed deposits?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>A fixed deposit (FD) is a financial instrument offered by banks and non-banking financial companies (NBFCs) in which an individual can deposit a fixed amount of money for a fixed period of time at a fixed rate of interest. FDs are considered to be a safe and secure investment option as they offer fixed returns and the principal amount is usually guaranteed.<\/p>\n<p>&nbsp;<\/p>\n<p>FDs are also known as term deposits or time deposits. The tenure of an FD can range from a few weeks to several years, and the interest rate is usually higher for longer tenures. FDs can be opened by individuals, corporates, and institutions, and can be denominated in various currencies.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"wp-image-18627 size-large aligncenter\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/FD-Updated-banner-01-1024x427.jpg\" alt=\"fixed-deposit-interest-rates\" width=\"640\" height=\"267\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/FD-Updated-banner-01-1024x427.jpg 1024w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/FD-Updated-banner-01-300x125.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/FD-Updated-banner-01-768x320.jpg 768w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/FD-Updated-banner-01-150x63.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2022\/11\/FD-Updated-banner-01.jpg 1250w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"How_to_open_a_fixed_deposit_account\"><\/span><strong>How to open a fixed deposit account?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>To open a fixed deposit (FD) account, an individual must follow the steps outlined below:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Choose a bank or non-banking financial company (NBFC):<\/strong> The first step in opening an FD account is to choose a bank or NBFC that offers FDs. The individual can compare the various FD schemes offered by different banks and NBFCs and choose the one that best suits his\/her needs and preferences.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Determine the tenure and interest rate:<\/strong> The individual must choose the tenure and interest rate of the FD based on his\/her financial goals and risk appetite. FDs with longer tenures usually offer higher interest rates, but the money is locked-in for a longer period of time.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Gather the required documents:<\/strong> The individual must gather the required documents, such as identity proof, address proof, and bank account details, to open the FD account. The specific documents required may vary based on the bank or NBFC and the type of FD being opened.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Fill out the application form:<\/strong> The individual must fill out the FD account opening form and submit it to the bank or NBFC along with the required documents.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Make the initial deposit:<\/strong> The individual must make the initial deposit towards the FD account as per the prescribed minimum amount. The initial deposit can be made through cash, cheque, or electronic mode.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Receive the FD receipt:<\/strong> Once the application process is complete, the bank or NBFC will issue a receipt acknowledging the FD account and the terms and conditions of the deposit. The individual can use the receipt to track the FD account and make any transactions or withdrawals.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>It is advisable to consult a financial advisor or a certified financial planner before opening an FD account to understand the various features and benefits of the scheme and to ensure that it is suitable for the individual&#8217;s financial goals and circumstances.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Pros of Fixed Deposit<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>FDs offer several benefits, such as:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Safety:<\/strong> FDs are considered to be a safe investment option as they are backed by the bank or NBFC, which is required to maintain a certain amount of capital as per the regulatory norms.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Fixed returns:<\/strong> FDs offer fixed returns, which means that the investor knows exactly how much he\/she will earn on the investment.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Flexibility:<\/strong> FDs offer a range of tenures and interest rates, which allows investors to choose a tenure that aligns with their financial goals and risk appetite.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Liquidity:<\/strong> FDs can be withdrawn prematurely, but usually at a lower interest rate.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Cons_of_fixed_deposit\"><\/span><strong>Cons of fixed deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>However, FDs also have certain drawbacks, such as:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Low returns:<\/strong> FDs typically offer lower returns compared to other investment options, such as equities or mutual funds, especially in an environment of rising interest rates.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Lack of flexibility:<\/strong> FDs are locked-in for a fixed period of time, which means that the investor cannot withdraw the money before the maturity date without incurring a penalty.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>It is important to carefully evaluate the various FD schemes available in the market and compare them with other investment options before making a decision. It is advisable to consult a financial advisor or a certified financial planner to understand the various risks and potential returns associated with different FD schemes and to make an informed investment decision.<\/p>\n<h4><\/h4>\n<h4><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"Is_Fixed_Deposit_a_good_investment_option_for_you\"><\/span><strong>Is Fixed Deposit a good investment option for you?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Fixed deposits (FDs) are considered to be a safe and secure investment option, as they offer fixed returns and the principal amount is usually guaranteed. FDs are suitable for investors who have a low risk appetite and are looking for a stable and predictable source of income. FDs are also suitable for investors who are seeking a short-term or medium-term investment option.<\/p>\n<p>&nbsp;<\/p>\n<p>However, FDs may not be suitable for all investors, as they typically offer lower returns compared to other investment options, such as equities or mutual funds, especially in an environment of rising interest rates. FDs are also not very flexible, as they are locked-in for a fixed period of time and the investor cannot withdraw the money before the maturity date without incurring a penalty.<\/p>\n<p>&nbsp;<\/p>\n<p>FDs may be suitable for the following types of investors:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Investors with a short-term or medium-term investment horizon: FDs are suitable for investors who are looking to park their money for a short period of time or who have a medium-term investment horizon.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Investors with a low risk appetite: FDs are suitable for investors who are risk-averse and are looking for a stable and predictable source of income.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Investors who need a guaranteed return: FDs offer a guaranteed return, which makes them suitable for investors who are looking for a fixed<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h4><\/h4>\n<h4><span class=\"ez-toc-section\" id=\"What_is_Shriram_finance_FD\"><\/span><strong>What is Shriram finance FD?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p>Shriram Finance is a non-banking financial company (NBFC) in India that offers a range of financial products and services, including fixed deposits (FDs).<\/p>\n<p>&nbsp;<\/p>\n<p>Shriram Finance offers various FD schemes with different tenures, interest rates, and features. The interest rates offered on Shriram Finance FDs may vary based on the type of FD, the tenure, and the amount invested. Shriram Finance FDs are available to both individuals and corporates and can be opened online or at any of the company&#8217;s branches.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Interested in how we think about the markets?<\/strong><\/p>\n<p>&nbsp;<\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/in-investing-the-simplest-things-are-the-hardest\/\">Zen And The Art Of Investing<\/a><\/p>\n<p>&nbsp;<\/p>\n<p><strong>Watch here:<\/strong> Kuvera Insights: All about Quant Funds with experts<\/p>\n<div class=\"embed-container\">\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/RMRszAX4ZWM\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/div>\n<\/div>\n<div><\/div>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit <a href=\"https:\/\/www.youtube.com\/watch?v=R7g03UwJAT8&amp;utm_source=Blog&amp;utm_medium=Weekly+wrap+22nd+July\" target=\"_blank\" rel=\"noopener\">kuvera.in<\/a> to discover Direct Plans and <a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a> and start investing today. #MutualFundSahiHai #KuveraSabseSahiHai<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What are fixed deposits? &nbsp; A fixed deposit (FD) is a financial instrument offered by banks and non-banking financial companies (NBFCs) in which an individual can deposit a fixed amount of money for a fixed period of time at a fixed rate of interest. FDs are considered to be a safe and secure investment option [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/fixed-deposit-fd-explained-kuvera\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":19935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[543,99],"tags":[1932,1528,1985,1986,545,668,1527,176],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Fixed Deposit (FD) Explained | Kuvera<\/title>\n<meta name=\"description\" content=\"Understanding Fixed deposits, should you invest in them? 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