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Fixed Deposit (FD)

Invest in fixed deposits to enjoy guaranteed high returns and create a secured corpus for your financial goals.

Choose FDs from multiple banks and NBFCs
No need to open a bank account
Bank FDs are insured by DICGC (a wholly-owned subsidiary of RBI)
FDs are offered by Banks/NBFCs

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What are Fixed Deposits?

Fixed deposits are fixed-income investment avenues wherein you deposit a lump sum amount for a specified period and earn guaranteed returns on the deposit.

Disclaimer : Fixed Deposits are offered by Banks/NBFCs and are regulated by the Reserve Bank of India. Aditya Birla Capital Digital (using the brand name ABCD) is acting in the capacity of Sub Agent/Referral Partner for distribution of Fixed Deposits(FD) of Banks and NBFCs.

Top benefits of fixed deposits

Safety and stability

Your deposited amount remains safe and you can earn stable returns on investments irrespective of market volatility

Guaranteed returns

The interest on your investment is guaranteed. It does not depend on market performance.

Flexible tenure

You can choose from a flexible range of deposit tenure that matches your investment horizon.

Liquidity

Fixed deposits allow premature withdrawal facility for your financial needs allowing liquidity.

Use your FD for any purpose

Retirement

Save up for your golden years and get a lump sum corpus

Get a steady source of interest income
Plan for emergencies
Plan a legacy for your loved ones
Get a corpus for travel needs
Cover medical expenses

Higher Education

Save now with a long-term horizon and create a corpus for your child’s higher education

Create a corpus for higher education
Guaranteed returns enhance the corpus
Protect your capital against market volatility
Choose a long-term period for maximum returns
Compounded returns for attractive earnings

Home Expenses

Build a corpus depending on your financial needs and make a supplemental fund for managing household expenses

Create a fund for household expenses
Guaranteed returns provide regular income
Interest payouts supplement your income
Attractive returns with long-term investment
Liquidity through flexible tenure options

Wedding Expenses

Plan a grand celebration without worrying about the funds. Save up for your or your child’s wedding and get a guaranteed corpus.

Save up for a fairytale wedding
Get guaranteed returns to create a secured corpus
Invested capital is protected against market volatility
Long-term savings give compounded growth

Why invest in FD with ABCD

Highest interest rates

Earn attractive interest rates on your deposits and grow your corpus for your financial goals. Moreover, senior citizens and women enjoy additional interest rates on their deposits.

Secured investments

FDs issued by banks are insured up to ₹ 5 lakhs by the DICGC which is a wholly-owned subsidiary of RBI. This ensures your deposits are safe.

Multiple options

Choose from the deposits offered by multiple banks and NBFCs and pick a scheme that matches your needs and also offers the highest interest rates.

Top-notch customer service

Enjoy the best-in-class customer service for all your queries, concerns and feedback.

Quick and hassle-free process

Invest in the FD online in simple steps, without opening a bank account and with a simple KYC process

How To Invest In FDs

Given below are the simple steps which allow you to invest in an FD with ABCD App and earn attractive returns on investment. FDs are offered by Banks/NBFCs in partnership with Upswing.

STEP

Download the ABCD App & Go to ABCD App Homepage

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Go to "Invest" section & Click on Fixed Deposits

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Choose the desired Bank/NBFC FD

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Complete KYC process

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Choose the withdrawal account

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Start earning interest !

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Complete KYC process

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Choose the withdrawal account

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Start earning interest !

ABCD - One app to build a diversified
investment portfolio

Invest in equity stocks or other securities listed on the market with the ABCD app. Get a completely convenient digital platform to trade effectively.

Maximize your savings with fixed deposits
Guaranteed returns for peace of mind
Flexible tenures to fit your goals

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FAQs Fixed Deposits

ABCD has strategically partnered with upswing to introduce an innovative feature within our app—offering a range of deposits from both leading banks and Non-Banking Financial Companies (NBFCs).

Deposit Insurance and Credit Guarantee Corporation (DICGC) is a wholly-owned subsidiary of the Reserve Bank of India (RBI). It provides deposit insurance that works as a protection cover for bank deposit holders when the bank fails to pay its depositors. The agency insures all kinds of deposit accounts of a bank, such as savings, current, recurring, and fixed deposits up to a limit of Rs. 5 lakh per account holder per bank. All your FDs booked with a bank (and not NBFCs) will thus be insured upto INR 5 lakh.

The interest rate depends on your age, gender, period of deposit, type of fixed deposit scheme, the current repo rate, and the financial institution with whom you make the deposit.

If you are not a senior citizen, the interest earned from a fixed deposit scheme would be taxed in your hands at your income tax slab rates. Senior citizens, however, can enjoy tax-free interest income up to Rs.50,000 under Section 80TTB.

You can make premature withdrawals through the ABCD app. The withdrawal, however, attracts a penalty which reduces your interest earnings.