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2 mins Read | 4 Years Ago

FD Investment: A Safe Investment Plan with High Returns



Indians are now understanding the importance of saving and investing, there is a growing need for investment options that are safe and offer high returns. As a result, the time-tested Fixed Deposits (FDs) continue to be one of the top options for investment. Check out this post to know five reasons that make FD a great choice for your investment.

Investment options such as the stock market are very popular for their high returns potential. But not many investors are comfortable with the high level of risk that such investments carry. While Indian investors are now looking for different ways to save and invest, most people generally prefer safe investment options that offer decent returns.

One of the best options that fit this requirement are Fixed Deposits. Let us have a look at some reasons that make FDs such a reliable option for investment:

1. Fixed Returns

The returns from the most popular investment options are tied to market conditions. While they can offer high returns, there is also a possibility that the returns are not up to your expectations. Moreover, there can also be a capital loss with many of the investments.

If you are looking for a safe investment, FDs are the best option as the returns are fixed and not market-driven. You will know the returns that you will earn from your FD investment even before you invest any amount.

2. Deposit Insurance

Banks also offer FD insurance for amounts of up to Rs 1 lakh. This adds an additional layer of safety to your FD investments. In case of any unexpected consequences, the bank will be responsible for repaying your FD amount of up to Rs 1 lakh.

So, even if you are planning to invest a larger amount, you can break the same into multiple FDs of Rs 1 lakh to make sure that each of your FD carries insurance.

3. Close FD Before Maturity

Another reason that makes FD a great option for people looking for safe investments with high returns is the premature withdrawal facility. While you should try and remain invested in FD up to the selected tenure, you do get an option to withdraw your funds partially or fully before the tenure.

While such withdrawals attract a penalty, you can be rest assured that your FD investment is liquid and can be withdrawn in case of an emergency.

4. Loan Against FD

If you have invested in FD and need a loan for some reason, you can use your investment to get the loan. Many banks now allow you to borrow a loan of as much as <90>% of your principal amount and accrued interest. So, apart from being a safe investment plan, your FD investment is multifunctional and can also be used for taking a loan.

5. Automatic Renewal

At the end of your FD tenure, you are not even required to open a new FD as banks now offer automatic renewal facility. Opt for this facility and your principal amount as well as the accrued interest will again be invested for a duration of your choice.

Wide range of investment tenures, minimum balance and nominee facility are some of the other top benefits of investing in FD.

FD Investment for Time-Tested Results

Fixed Deposit has long been the go-to investment option in India due to all the different reasons listed above. If you are searching for safe investment options in India that offer fixed returns with almost zero risks, contact a reputed bank to book your FD account today.


The contents of this document are meant merely for information purposes. The information contained herein is subject to update, completion, revision, verification and amendment and the same may change materially. The information provided herein is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would (by reason of that person‘s nationality, residence or otherwise) be contrary to law or regulation or would subject lClCl Bank or its affiliates to any licensing or registration requirements. This document is not an offer, invitation or solicitation of any kind to buy or sell any security and is not intended to create any rights or obligations. Nothing in this document is intended to constitute legal, tax, securities or investment advice, or opinion regarding the appropriateness of any investment, or a solicitation for any product or service. Please obtain professional legal, tax and other investment advice before making any investment. Any investment decisions that may be made by you shall be at your sole discretion, independent analysis and at your own evaluation of the risks involved. The use of any information set out in this document is entirely at the recipient’s own risk. The information set out in this document has been prepared by ICICI Bank based upon projections which have been determined in good faith by lClCl Bank and from sources deemed reliable. There can be no assurance that such projections will prove to be accurate. lClCl Bank does not accept any responsibility for any errors whether caused by negligence or otherwise or for any loss or damage incurred by anyone in reliance on anything set out in this document. In preparing this document we have relied upon and assumed, without independent verification, the accuracy and completeness of all information available from public sources or which was provided to us or which was otherwise reviewed by us. Past performance cannot be a guide to future performance. ‘lClCl’ and the ‘I-man’ logo are the trademarks and property of lCICl Bank. Misuse of any intellectual property, or any other content displayed herein is strictly prohibited.

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