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fixed deposit

Fixed deposit plans are stable investment options offered by banks and finance firms. They allow you to pick a deposit amount, tenor, and FD type as per your financial needs and plans. Every FD scheme has its own specialty and therefore, you must weigh them as per your own expectations and requirements before investing in one of them. 

Here are some ideas that might help you pick an appropriate FD plan for yourself: 

Prioritize Safety First

The most obvious thing that experts will tell you is to go for FD plans that offer a high-interest rate on your deposited money. However, that must not come at the expense of safety. Even though FDs are safe instruments, not all of them provide the same kind of stability that you deserve.

It would be better to confirm the credit ratings of a finance firm or bank before depositing your savings in its FD plans. 

Explore high-paying options

Once you have verified the credibility of different financiers, your next step should be to explore all their high-paying options. You must look for a financier that not only offers better flexibility in terms of a tenor but also provides sufficient returns at maturity. 

For example, Bajaj Finance FD is offering a whooping FD interest rate of up to 7.25% and it also gives you the flexibility of choosing a lock-in period between 12 to 60 months for your deposits. 

Compare the features

After making a list of top-paying FD plans that are also safe by using the above two points, you can now go through their features one-by-one to find out the FD plans that stand out the most. 

Some FD schemes will impress you with their lenient withdrawal policies whereas some plans will demand attention due to their easy investment options. Bajaj Finance FD gives 0.25% additional fixed deposit rates to senior citizens. 

On top of that, it enables you to pick monthly, quarterly, six-monthly, and yearly interest payouts if you are looking for an FD plan that can also satiate your need for a regular income source. 

You also get 0.10% extra interest rate if you invest in an FD plan by using an online FD form. The option of investing in multiple FD plans at once helps you to ladder your investments smartly as per your future plans. If you want to check the returns of each plan then you can use the FD calculator that is available on its portal. 

FD Plans

Moreover, its FD plans have received FAAA/stable rating by CRISIL and MAAA/stable rating by ICRA. Therefore, you don’t have to worry about your deposits after investing in its FD plans. If investing a lump-sum amount in an FD plan does not suit you then you can invest in its Systematic Deposit Plan that enables you to deposit a fixed amount every month.

Each of your deposits can be locked-in for the same period or you can choose one maturity date for all your deposits. This deposit plan proves to be perfect if you want to enjoy the perks of an FD plan without depositing a bulk amount at once.

FD plans are provided by most banks and finance firms these days. These plans enable you to deposit a fixed amount for a fixed period.

If you want to know how to invest then you must invest in a high-paying FD that is also stable. Such a perfect combination is rare in the market and one of the better options among them is Bajaj Finance FD that is offering an interest rate of up to 7.25%.

It also provides a flexible tenor and easy investment options. Moreover, has the backing of good credit ratings and if investing a lump sum amount does not suit your investment plans then you can think of investing in its SDP i.e. Systematic Deposit Plan that lets you deposit a fixed amount every month while enjoying all the benefits of an FD.

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