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Fixed Deposites

Fixed Deposits and regular income products are the safest means of future financial planning, which should be an inevitable part of your portfolio. We provide the best services for the same to you.

Fixed Deposit aka term deposit is an instrument by which one can deposit his/her savings for a prescribed period of time with a bank. When the period of deposit elapses, the depositor is entitled to the interest on the deposited amount. In some cases, the rate of interest on fixed deposits can be as high as 9.5%!

How to do it?

All you got to do is deposit your savings in a bank account of your preference and watch your money grow over time. Do remember to check with multiple sources regarding the various options available. There are a wide range of fixed deposit products available to suit a wide range of investor preferences. So choose the one that matches closely with your investment goals.

The Bankers View:

For banks, fixed deposits (or term deposits) represent a loan arrangement. In simple terms, the money deposited through such investments shall earn a said amount as interest, as per the existing norms and guidelines as set by the banking regulatory authority. The rate of interest on your fixed deposit is determined by many factors such as the location of deposit, the duration for which the amount is deposited as also the currency involved for making the deposit.

The Investors Take:

For starters, a fixed deposit is not a normal deposit that you do at your bank and then withdraw it as and when you please. But, it is a deposit that cannot be withdrawn in the specified period. Generally, these types of deposits are made for duration of 5 years. During this time, the amount remains in your bank account and is prohibited to be withdrawn for any reason whatsoever. Non-profit organizations, corporate entities and individuals alike, who wish to keep aside a stipulated sum for a particular period of time, most often than not, find that such deposits are the easiest way in attaining their objective. The icing on the cake is their money will earn a rate of interest that is shielded by any fluctuations in the interest rates that governs other type of investments. Such deposits are a good (if not the best) way to gain a return on investment which is a tad higher than a conventional savings account.

Trust Deposits:

Deposits that are made "in the name of one person, as trustee for another" are branded as "trust deposits."

Trust deposits are made for three basic reasons:

  • Pose for the disposition of a domain after demise sans the use of a will or administration,
  • Hide from others info of financial standing, or
  • Escalate deposits where a prescribed limit is set upon single deposits.


Lastly, fixed deposits offer investors a relatively safe avenue for parking their funds, albeit at the risk of earning a slightly lower return on investment. At the end of the day, it is up-to the individual investor to decide for themselves whether they wish to pursue a high return-high risk approach or a relatively lower but largely safe investment approach.


Types of Companies offering Fixed Deposits

  •   Financial Institutions
  •   Non-Banking Finance Companies (NBFCs).
  •   Manufacturing Companies
  •   Housing Finance Companies
  •   Government Companies


Features and Benefits

  •    Company Fixed Deposits offer comparatively higher returns than banks.
  •    Choose the best tenure for you from a wide range as per your convenience.


You can choose how frequently you want to receive your interest payments :-

  •    Maturity
  •    Yearly
  •    Half-yearly
  •    Quarterly
  •    Monthly


Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.

Premature encashment of deposit is available any time subject to payment of prescribed penalty.

Diversify Risk - The deposits should be spread over a large number of companies engaged in different industries. This way, youll be able to diversify your risk among various industries/companies.

Wide Choices- Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.

Attractive rates as applicable from time to time.

  • Market News
Steel stocks should do well going ahead: Rahul Shah

​I think we have been seeing in that mid-cap index hitting highs. I think it should be an all-around participation, what it looks like as of now.
2023-06-05T08:01:00+05:30

2 realty stocks Mahantesh Sabarad is bullish on for near term

​So, therefore, I would look at these kinds of asset light business models within real estate or the ones which have some element of even REIT kind of structures made available and so on and so forth. So, try to remain focused on only those companies which typically do not consume large amounts of debt.
2023-06-05T08:01:00+05:30

RBI will go for a permanent pause on interest rates for considerable future ahead: Mahantesh Sabarad

I think the key takeaway has been that the two-wheeler sales have done a lot better relative to the other sub-segments of the automobile sector.
2023-06-05T08:01:00+05:30

Gold eases as firmer dollar counters bets of Fed pause

Gold prices fell as the dollar strengthened by 0.2% due to a strong U.S. payrolls report. U.S. gold futures decreased 0.3%, and spot gold dipped 0.1% to $1,945.66 per ounce. Gold prices had already slipped over 1% on Friday due to the announcement of a 339,000 increase in US nonfarm jobs last month. But a surge in unemployment rates tied with prospects of a Fed rate pause this month changes that scenario. The pause creates possibility for gold prices to become less attractive to buyers in the high interest rate environment.
2023-06-05T07:49:35+05:30

Oil jumps 2% on Saudi plan to deepen output cuts from July

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2023-06-05T07:45:49+05:30

Asian shares extend global rally; oil prices jump on Saudi cuts

Asian shares continue to rise on Monday fuelled by the positive outlook for the US economy, and the possibility of a pause in rate hikes by the Federal Reserve. Oil prices increased after Saudi Arabia announced a significant cut in production. Brent crude rose by $1.82 to $77.95, while US crude increased by $1.77 to $73.51. Furthermore, Australia’s resources-focused shares increased by 1%, and Japan's Nikkei rose by 1% to its highest in 33 years. Despite a positive jobs report in the US market, moderating wage growth has encouraged records of a pause in June.
2023-06-05T07:42:59+05:30

Stock Market Live Updates: SGX Nifty signals a positive start; Asian shares trade higher

2023-06-05T07:27:19+05:30

SGX Nifty up 85 points; here's what changed for market while you were sleeping

Foreign portfolio investors have net sold shares worth Rs 659 crore on Friday. DIIs on the other hand bought Rs 582 crore.
2023-06-05T07:17:36+05:30

CNG penetration for Maruti Suzuki stands at around 26%: Shashank Srivastava

​The retail though slightly lower than that 325,000 although it is still a growth over last year almost 14% growth. Maruti, in fact, grew faster in both wholesale and retail and as a result, market share went up 1% in May, now standing just above 43%.
2023-06-05T07:11:00+05:30

Stocks in news: SBI Life, Indian Overseas Bank, IOC, IDFC First Bank

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2023-06-05T06:36:33+05:30

$1-trillion treasury vacuum coming for Wall Street rally

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2023-06-05T06:32:55+05:30

Nifty likely to touch all-time high of 18,887: Analysts

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2023-06-05T06:12:11+05:30

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There will be other issues when you start having quantitative tightening. We just don't know what the results will be. That's what the world is dealing with right now.
2023-06-05T06:00:30+05:30

MPC meeting: RBI may hit rate pause button again this week

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2023-06-05T05:56:27+05:30

Nuvama exits its first pre-IPO fund; invests in Ozone Overseas

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2023-06-05T05:56:16+05:30

Buying by promoters hints at likely upside for these stocks

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2023-06-05T05:51:45+05:30

Bond bulls ignore Fed hike noise, keep buying yield spikes

The shift may inject some stability into a bond market that's been consistently caught off guard by how resilient the US economy has remained as the Fed raised interest rates by five percentage points since March 2022. The dynamic was underscored Friday, when bonds slid after a report showed employers unexpectedly accelerated the pace of hiring in May.
2023-06-05T05:48:39+05:30

NaBFID's different with dual role of financing and development: Rajkiran Rai

We saw a phase after that when new infra projects came up and banks financed those despite not having long-tenure liabilities to match these assets. As a result, we saw NPA issues in the banking system because of delays in infrastructure projects.
2023-06-05T05:39:52+05:30

Breakout Stocks: What should investors do with Cyient, HEG and Graphite India on Monday?

Indian markets closed higher on Friday with the S&P BSE Sensex up by more than 100 points, and buying activity was noticed in metals, realty, telecom, and auto sectors. Stocks that saw significant growth include Cyient, HEG, and Graphite India. An expert cited the potential next resistances in Graphite India at Rs 418, Cyient at Rs 1900, and HEG at Rs 1600. With massive volume accumulation and significant price breakouts, these stocks have been suggested as those to watch. Though it must be noted that providing these observations are solely for educational purposes.
2023-06-04T16:27:39+05:30

Ahead of Market: 10 things that will decide stock action on Monday

Indian equities closed higher with gains of 0.25% on Friday, settling above 18,530 points, led by gains in the realty and metal pack and supported by positive global market sentiment. Auto stocks rose due to strong sales numbers for May, leading to market volatility. Analysts predict that markets will lack clear direction and remain sideways, with the Nifty finding support at levels of 18,450-18,500 and resistance at levels of 18,650 and 18,800. On Monday, US stocks closed higher on easing wage growth in May and the prospect of the Federal Reserve refraining from a rate hike.
2023-06-04T16:09:47+05:30

Market Trading Guide: Maruti Suzuki, NMDC among top 6 stock recommendations for Monday

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IKIO Lighting and Sonalis Consumer Products IPO will open for subscription this week; check details

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2023-06-04T14:44:12+05:30

Frontline stocks like RIL need to fire for meaningful bull-run this week

The Indian Nifty has seen gains of around 7% this quarter, largely driven by financials hitting record highs, with a focus on consolidation following a sharp rally. Aamar Deo Singh, Head Advisory at Angel One, says that while it is positive to observe smaller stocks in the midcap and small-cap sectors performing well, for any significant shift to bear market, frontline stocks need to be involved, bringing depth and instilling investor confidence. In other recent news, the real estate sector has seen a remarkable 26% surge in share price over Q2 2023, reflecting renewed investor interest.
2023-06-04T14:24:55+05:30

Mahindra CIE Automotive and 4 other smallcap stocks to buy in June: Axis Securities

Axis Securities has selected small-cap stocks that could be the best picks for investors' portfolios in June. The brokerage firm recommends buying Mahindra CIE Automotive, Praj Industries, CreditAccess Grameen, and PNC Infratech, among others. The firm said its May 2023 top picks outperformed both Sensex and Nifty, which gained by 2.47% and 2.60%, respectively. Axis Securities' top picks basket delivered an impressive 25% return in the last one year.
2023-06-04T14:21:41+05:30

Gold likely to be range-bound in coming week; resistance seen at $1965-1990

Gold closed the week with a gain of almost 0.10% at $1,948.46. Odds on the Federal Reserve doing a 25-bps rate hike in its upcoming June meeting are rapidly changing with rates predicted to rise from 30% to 40% after the NFP report's headline figures boosted US bond yields and the dollar index, causing gold to drop. The Federal Reserve is expected to hike rates in July, but despite strong US data, gold is predicted to trade in the range of $1,920-$1,990 due to strong support at $1,930 and $1,920 and resistance at $1,965/$1,975/$1,990.
2023-06-04T13:37:39+05:30

​IKIO Lighting’s Rs 607 crore IPO to open on June 6. Here’s all you need to know

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2023-06-04T13:23:16+05:30

Nifty Bank F&O Strategy: Decline towards 42,500 good entry opportunity, says ICICIdirect

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2023-06-04T13:03:35+05:30

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2023-06-04T13:00:02+05:30

Despite consolidation, Nifty50 chart set-up better than Bank Nifty: Jay Thakkar

The Nifty50 has remained stable, while the Bank Nifty has seen negative divergence for over a week. The chart set up for the Nifty50 is better, with a target of 18,750-18,800. The Bank Nifty will remain positive while it holds at 43,500 levels, with a target of 44,500-44,800. Sharekhan by BNP Paribas expects no changes in the Monetary Policy Committee's recommendations. Financials could outperform with anticipation of rate cuts in the coming months. DLF and Sobha show potential in the realty sector, and RIL could rebound after finding support at Rs 2,300.
2023-06-04T12:23:29+05:30

​Asian Paints, Tata Power among 26 stocks that will trade ex-dividend this week​

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2023-06-04T12:01:18+05:30

3 industries where managers of small‐cap mutual funds went looking for treasure

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2023-06-04T11:53:11+05:30

FPIs investment hit 9-month high at Rs 43,838 cr in May on strong domestic macro-outlook, reasonable valuation

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2023-06-04T11:29:24+05:30

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2023-06-04T11:14:07+05:30

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2023-06-04T10:48:43+05:30

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2023-06-04T10:11:14+05:30

FPIs hold short positions compared to long positions, on the derivative front: Apurva Sheth

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2023-06-04T09:49:23+05:30

RBI policy, global cues, FPI action among top 8 factors to drive D-Street this week

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2023-06-04T09:37:48+05:30

Why does veteran Shankar Sharma have his eyes on smallcaps?

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2023-06-03T17:14:36+05:30

Gold prices rose on signs of a June pause; 25 bps hike likely in July FOMC meeting

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Mark Mobius on market movement, top bets and more

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Global inflows help Indian stocks become EM Asia’s top gainers

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Adani Ports, IRCTC among 7 firms that declared dividends this week

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Nilesh Shah on why you should never predict the market

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2023-06-03T15:07:15+05:30

Dalal Street minions pip giants and how! 20 smallcap stocks give over 20% weekly returns

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2023-06-03T14:22:21+05:30

This BSE500 stock turns Rs 10,000 to Rs 7 lakh in just 10 years

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2023-06-03T12:31:33+05:30

Top 10 stocks that got upgrades & downgrades from Motilal Oswal post Q4 results

2023-06-03T11:53:52+05:30
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