FIXED DEPOSIT LÀ GÌ

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A Fixed Deposit That’ll Shield You from Uncertainties

You don’t need a crystal ball lớn stay ready for the future. All it takes is a click on digibank .Bạn đang xem : Fixed deposit là gì


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Instant Opening
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Paperless
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Up to 5.5 % * p a. Interest rates


Set Up a Fixed Deposit Before Life Hands You Lemons

No matter what plot twists life springs up, you’re empowered khổng lồ overcome it calmer, smarter, better prepared. Your fixed deposit will act as a contingency fund i. E. A fund created khổng lồ tackle emergencies and unforeseen developments, và should be equal to 3 lớn 6 months ’ worth of your expenses .

Bạn đang xem: Fixed deposit là gì

Why Are digibank FDs the Best Contingency Funds?

Risk-Free : Your fixed deposit remains safe và unaffected by volatile markets .Assured Returns : Liquidate your fixed deposit instantly right when you need it. T&C apply .You can effortlessly set digibank FDs for situations like :

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Medical Emergencies
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Job Uncertainties
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Economic Ups and Downs
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Last Minute Plans & more
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digibank Quickies: Why fixed deposit as contingency fund with digibank is a must have?

Here’s Your Umbrella for Rainy Days

Setting up a contingency fund is one of the first & most important steps you take towards financial freedom. Digibank does it all for you, so that whenever the going gets tough, you’re unstoppable .

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Convenient

Manage your digibank FD – amount, tenure, địa chỉ / change nominee, maturity instructions, termination, etc. All from your phone .

Customisable

Open digibank FDs starting from ₹ 5000. Decide your own amount, choose your own tenure .


Insured digibank FDs

Your deposits are insured by DICGC for up lớn ₹ 5,00,000 ( 5 lakh rupees ) .Open digibank FD


digibank quickies- How lớn start a fixed deposit contingency fund instantly with digibank?

Never Run Out of Options

Take Your Pick :

Fixed Deposit

A lumpsum amount invested in one go .

Ideal if you’re looking to:


Save for unexpected rainy days.Ideal lớn curb your spendthrift tendencies and save for emergencies instead.Earn a fixed interest rate.

Recurring Deposit

Save for unexpected rainy days. Ideal khổng lồ curb your spendthrift tendencies and save for emergencies instead. Earn a fixed interest rate .Smaller sums of money invested over a period of time lớn meet a specific goal .

Ideal if you’re looking to:

Save khổng lồ spend on a new gadget, travels or other goals.Ideal to lớn meet all your purchase goals without breaking your budget.Enjoy interest rate similar to lớn fixed deposit.Save to spend on a new gadget, travels or other goals. Ideal to lớn meet all your purchase goals without breaking your budget. Enjoy interest rate similar to fixed deposit .Learn more about Recurring Deposit

Think That’s All? There’s More Where That Came From!

Whether it’s smarter savings, better investments, easy personal loans, international fund transfers – your digibank is designed to lớn help you live better. It’s so easy, it feels lượt thích magic !


Personal Loan

Fast-track your life with instant paperless digibank personal loans of up to Rs. 15 Lakhs .

Recurring Deposit

Make goal-oriented savings effortlessly at a higher interest rate !

Remittance

Keep love and life undelayed with instant international transfers at no extra cost .

Insurance

Through thick and thin, we’ve got you covered with health insurance plans for the family, automobile insurance and travel insurance .

Investment

You don’t need khổng lồ be a finance guru khổng lồ make smart investment choices. You’ve got digibank lớn help you become your own expert .

Frequently Asked Questions

What is a fixed deposit?

A fixed deposit (FD) is an investment instrument that allows you to invest a lump-sum amount for a chosen tenure lớn earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings account.



What is a fixed deposit?

A fixed deposit ( FD ) is an investment instrument that allows you khổng lồ invest a lump-sum amount for a chosen tenure khổng lồ earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings account .

What is a recurring deposit?

RD or recurring deposit is a type of deposit that enables you lớn invest smaller amounts at regular intervals while giving you interest similar lớn a fixed deposit .

What is a recurring deposit?

RD or recurring deposit is a type of deposit that enables you to lớn invest smaller amounts at regular intervals while giving you interest similar to lớn a fixed deposit .

Is there a minimum amount or tenure for a term deposit?

The minimum amount for a fixed deposit is Rs. 5,000 while it’s Rs. 500 for a recurring deposit. The tenure can range from a few days khổng lồ five years. You can choose khổng lồ invest the RD amount on a daily, weekly, monthly or quarterly basis .

Is there a minimum amount or tenure for a term deposit?

The minimum amount for a fixed deposit is Rs. 5,000 while it’s Rs. 500 for a recurring deposit. The tenure can range from a few days khổng lồ five years. You can choose khổng lồ invest the RD amount on a daily, weekly, monthly or quarterly basis .

What interest rates does digibank offer on term deposits?

To know more about the interest rates on term deposits, please thiết lập về our digibank app, or visit the ibanking website .

What interest rates does digibank offer on term deposits?

To know more about the interest rates on term deposits, please download về our digibank app, or visit the ibanking trang web .

If I reinvest my term deposit at the end of the tenure, will the interest rate stay the same?

No. The current interest rate at the time of the creation of the new deposit will apply .

If I reinvest my term deposit at the over of the tenure, will the interest rate stay the same?

No. The current interest rate at the time of the creation of the new deposit will apply .

Can I encash my deposit before the maturity date?

Yes, you can terminate a deposit at any time, but there are penalties for the early closure. Use the ” Manage ” tab in the ” Term Deposits ” section of the digibank app to know more .

Can I encash my deposit before the maturity date?

Are my deposits insured?

Yes. Your deposits are insured by the Deposit Insurance & Credit Guarantee Corporation ( DICGC ), a subsidiary of the Reserve ngân hàng of India ( RBI ), for up lớn ₹ 5,00,000 ( 5 lakh rupees ) .

Are my deposits insured?

Yes. Your deposits are insured by the Deposit Insurance & Credit Guarantee Corporation ( DICGC ), a subsidiary of the Reserve ngân hàng of India ( RBI ), for up khổng lồ ₹ 5,00,000 ( 5 lakh rupees ) .

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What happens when my deposit matures?

When your deposit matures, you have the option of reinvesting the balance in a new deposit, transferring the money into your digiSavings account, or only transferring the interest to lớn your account và reinvesting the original investment in a new term deposit .

What happens when my deposit matures?

When your deposit matures, you have the option of reinvesting the balance in a new deposit, transferring the money into your digiSavings account, or only transferring the interest khổng lồ your account & reinvesting the original investment in a new term deposit .

How can I mix up a recurring deposit?

Setting up an RD is an easy & hassle-free process. You can bởi vì so via the digibank app on your điện thoại or visit the digibank ibanking website, log in and select ” Deposits ( FD / RD ) ” in the navigation menu. Post that, click on ” open new deposit ” & follow the instructions as shown on the website. You have the choice of setting up the frequency of the pay-out, the total amount, & the duration for which you want to lớn have the deposit. In just a few minutes, you can mở cửa a deposit with nayaritas.net ngân hàng and maximise your savings !

How can I mix up a recurring deposit?

Setting up an RD is an easy and hassle-free process. You can bởi vì so via the digibank phầm mềm on your điện thoại thông minh or visit the digibank ibanking website, log in và select ” Deposits ( FD / RD ) ” in the navigation menu. Post that, click on ” open new deposit ” and follow the instructions as shown on the website. You have the choice of setting up the frequency of the pay-out, the total amount, và the duration for which you want to have the deposit. In just a few minutes, you can open a deposit with nayaritas.net bank and maximise your savings !

Will my deposit be automatically reinvested on maturity?

It will be automatically reinvested only if your instructions while opening the deposit mention reinvesting the amount on maturity. You can edit your settings in the ” Deposits ( FD / RD ) ” section of the digibank app., select the deposit you want lớn view or change and then click on the ” Manage ” tab .

Will my deposit be automatically reinvested on maturity?

It will be automatically reinvested only if your instructions while opening the deposit mention reinvesting the amount on maturity. You can edit your settings in the ” Deposits ( FD / RD ) ” section of the digibank app., select the deposit you want to lớn view or change và then click on the ” Manage ” tab .

Is there a cut-off date when I can no longer change the maturity instructions for my deposit?

No. You can change the maturity instructions at any time during the tenure by visiting the ” Manage ” tab in the ” Deposits ( FD / RD ) ” section of the digibank ứng dụng .

Is there a cut-off date when I can no longer change the maturity instructions for my deposit?

No. You can change the maturity instructions at any time during the tenure by visiting the ” Manage ” tab in the ” Deposits ( FD / RD ) ” section of the digibank phầm mềm .

What if my digiSavings account has insufficient funds for my recurring deposit payment?

In case your digiSavings account has insufficient funds, & we ” re unable to lớn debit the payment, your term deposit will continue, but the amount & interest you receive at maturity will be adjusted based on the missed payments. Fees may also be payable .

What if my digiSavings trương mục has insufficient funds for my recurring deposit payment?

In case your digiSavings account has insufficient funds, & we ” re unable khổng lồ debit the payment, your term deposit will continue, but the amount và interest you receive at maturity will be adjusted based on the missed payments. Fees may also be payable .

If I choose khổng lồ reinvest my deposit on maturity, will I be notified when it is reinvested?

Before maturity, you will receive notifications by a combination of SMS, e-mail and in-app messages. If you choose khổng lồ reinvest upon maturity then, we will vị so & notify you about it once it is done.

If I choose khổng lồ reinvest my deposit on maturity, will I be notified when it is reinvested?

Before maturity, you will receive notifications by a combination of SMS, email and in-app messages. If you choose lớn reinvest upon maturity then, we will vị so & notify you about it once it is done.

Is there a charge for insuring my deposits with digibank?

Before maturity, you will receive notifications by a combination of SMS, thư điện tử and in-app messages. If you choose lớn reinvest upon maturity then, we will vì so and notify you about it once it is done. Before maturity, you will receive notifications by a combination of SMS, email and in-app messages. If you choose khổng lồ reinvest upon maturity then, we will bởi vì so và notify you about it once it is done .No, we do not charge you for opening a fixed deposit with us. The ngân hàng covers the applicable cost .

Is there a charge for insuring my deposits with digibank?

No, we do not charge you for opening a fixed deposit with us. The ngân hàng covers the applicable cost .

Can I change the amount and frequency of my recurring deposit?

No. Once the RD has been created, changing the payment amount or the frequency is not possible .

Can I change the amount & frequency of my recurring deposit?

No. Once the RD has been created, changing the payment amount or the frequency is not possible .

How many deposits can I hold at the same time?

You can mở cửa as many fixed deposit accounts as you wish. There is no limit.

How many deposits can I hold at the same time?

You can xuất hiện as many fixed deposit accounts as you wish. There is no limit.

What if my deposit matures on a weekend or public holiday?

You can mở cửa as many fixed deposit accounts as you wish. There is no limit. You can open as many fixed deposit accounts as you wish. There is no limit .In case your term deposit matures on a weekend or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue khổng lồ earn interest for the extra days .

What if my deposit matures on a weekend or public holiday?

In case your term deposit matures on a weekend or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue khổng lồ earn interest for the extra days .

When will interest be paid on my deposit?

The Interest on your fixed deposit is credited khổng lồ your account on maturity or premature termination. But an early termination may result in an interest rate lower than the current rate .

When will interest be paid on my deposit?

The Interest on your fixed deposit is credited khổng lồ your tài khoản on maturity or premature termination. But an early termination may result in an interest rate lower than the current rate .

Can I see how much interest has been earned on my deposit?

To find out how much interest you’ve earned on your FD or RD, visit ” Deposits ( FD / RD ) ” section of the digibank tiện ích .

Can I see how much interest has been earned on my deposit?

To find out how much interest you’ve earned on your FD or RD, visit ” Deposits ( FD / RD ) ” section of the digibank tiện ích .

What are the requirements for opening a digibank term deposit?

If you have a digiSavings account, you can easily xuất hiện a term deposit. For a fixed deposit, the minimum amount you need lớn invest is Rs. 5,000, và for a recurring deposit it is Rs. 100 .

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What are the requirements for opening a digibank term deposit?

If you have a digiSavings account, you can easily open a term deposit. For a fixed deposit, the minimum amount you need to lớn invest is Rs. 5,000, and for a recurring deposit it is Rs. 100 .