Know
Fixed Deposits
Fixed Deposits are most popular investments for most investors. The key features that make them popular is safety, Liquidity (you can withdraw the amount by paying a small penalty anytime before maturity) and the returns are known in advance as Fixed Deposits indicate the rate of interest that any investor will earn
The interest income that you earn from Fixed Deposits gets added to your total income and hence the tax rate that is applicable depends on your total income. If you are in the highest tax bracket then you will be paying a tax rate of 30% plus applicable surcharges. Most investors are also subject to Tax Deduction at Source (TDS) on the interest payments.
Bank Fixed Deposits
Bank Fixed Deposits
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Returns are fixed & not subject to any market fluctuations
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In FDs, there is no scope for capital gain or loss
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These attract higher tax rate. Tax is also applicable on accrued income which is due to be received
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Penalty is levied on premature withdrawal
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Interest income is taxed. If the interest paid exceeds Rs. 10,000
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Funds are locked in until maturity date
Fixed Deposits
Secure Your Savings with Guaranteed Returns
Looking for a safe and reliable investment option? Fixed Deposits (FDs) offer stable, predictable returns while protecting your capital from market fluctuations. At Capitex, we help you choose the right Fixed Deposit from leading banks and NBFCs based on your financial goals, liquidity needs, and investment horizon.
Whether you're building an emergency fund, saving for a major milestone, or seeking a steady income, our advisors ensure you invest in the most suitable FD with complete transparency.
