How to earn amazing returns from Indian fixed deposits
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How to earn amazing returns from Indian fixed deposits

  • Highlights

  • Opt for company FDs over bank FDs

  • Re-invest your FDs on maturity

  • Choose cumulative FDs for higher returns

  • Create a portfolio of multiple FDs

Fixed deposits make for a safe investment option that can help you earn substantial returns for various purposes like funding your retirement, buying an asset, or financing your children’s education or wedding. While traditionally banks have been the preferred institution to make your investment with, the returns aren’t always high. But, paying attention to these pointers will ensure that you earn the highest level of returns from your FDs.

Check rate of returns offered

This is primary factor you should look into when searching for a lender, since it impacts the overall profitability of your FD investment. So, make it a point to compare various lenders and their rates and choose one that offers you the highest rate of interest. Take the opportunity to multiply your FD earnings by investing in Bajaj Finance Fixed Deposit.



Bajaj Finance offers one of the highest rates of interest, with higher interest for senior citizens. The minimum deposit amount is Rs.25,000, which gives you the freedom to invest as per your choice and requirement. You can also select any tenor between 12 and 60 months for added convenience.

Verify safety credentials

The safety credentials of a FD provider are important, as they indicate how good the institution is at giving you the amount that is due to you in a timely manner. The higher the rating, the more assured you can be about getting guaranteed returns on time.
It also eliminates the risks of losing money in an FD by assuring you that the lender is authentic and legitimate. Always go for a lender with a MAAA (stable) rating by ICRA ora FAAA (stable) rating by CRISIL such as the Bajaj Finance Fixed Deposit.

Review terms regarding premature withdrawals

It’s important to check the terms of premature withdrawal before investing. This is because in the future, you might need to liquidate your FD in case of an emergency. In such cases, it is important to have a FD provider who offers flexible terms on premature withdrawals.
If not, you could end up paying expensive penalties for breaking the FD before its term is over. So, always make sure you pick a financial institution with flexible premature withdrawal terms that don’t add to your financial burden when faced with an emergent situation.

Investment options to secure your child’s future

Invest in multiple FDs

Investing in more than one FD is ideal. Not only can you maximise your returns, you can also benefit from concepts such as laddering your fixed deposits. Additionally, assuming there is an urgent need for finance, you will be able to choose which FD you want to break. The rest will continue to accrue interest and will be unharmed. If you have only one FD you won’t be able to enjoy these benefits. Find out how to manage multiple FDs together.


On the contrary, your entire investment corpus will suffer as you will have to pay a penalty on premature withdrawal and you may also have to settle for a lower rate of interest. So, it is wiser to invest in multiple FDs where you can liquidate one FD if need be, while the other FDs continue to gain interest.
These are some ways you can gain the highest level of returns from your FDs. Apart from keeping these tips in mind, it’s also important to select the right financial institutionto ensure a positive, stress-free investment experience.

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