{"id":6164,"date":"2023-06-09T13:59:22","date_gmt":"2023-06-09T13:59:22","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=6164"},"modified":"2026-02-26T12:43:23","modified_gmt":"2026-02-26T12:43:23","slug":"what-are-green-fixed-deposits","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/","title":{"rendered":"What is Green Fixed Deposit?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">FDs are just on the tip of our mind when it comes to investing in a financial product, Green FDs are now around to be at the forefront too as it comes with a similar concept as FD but with a strong motive of promoting green initiative.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the realm of living in a carbonated space, it\u2019s essential to realize the need to breathe fresh air, reduce carbon footprint, and also to lessen the impact of temperature on the environment. So why not support the initiatives that want to take this lead at the cost of receiving a fixed return? Surely it is a thing to be invested in right?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Let\u2019s explore Green FDs in this article!<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#Whats_the_purpose\" >What\u2019s the purpose?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#How_is_it_to_have_an_Indian_Bond_Market_in_Global_Indices\" >How is it to have an Indian Bond Market in Global Indices?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#How_does_it_work\" >How does it work?<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#Housing_Prices_are_Increasing_Does_it_Put_You_in_Dilemma\" >Housing Prices are Increasing, Does it Put You in Dilemma?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#The_nitty_gritty\" >The nitty gritty\u00a0<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#1_Assured_returns_for_all\" >1. Assured returns for all<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#2_Tailored_interest_rates\" >2. Tailored interest rates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#3_Flexible_tenures\" >3. Flexible tenures<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#4_Premature_withdrawal_options\" >4. Premature withdrawal options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#5_Safety_and_security\" >5. Safety and security<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#Closing_up\" >Closing up\u00a0<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-green-fixed-deposits\/#The_Psychology_of_Investors_that_maybe_Irrational\" >The Psychology of Investors that maybe Irrational\u00a0<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Whats_the_purpose\"><\/span><b>What\u2019s the purpose?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The motive behind raising money from the investors is the positive impact they want to leave on the environment. For instance, think of a company that wants to raise funds for solar power and hydro projects or a company that wants to initiate building green infrastructure.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You as an investor would be funding the lenders for this reason. So that way only sectors such as <\/span><span style=\"font-weight: 400;\">energy efficiency, clean transportation, sustainable water, renewable energy, waste management, climate change adaptation, pollution prevention, and control, green buildings, biodiversity conservation, and management of living natural resources can raise Green FDs for receiving the funds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For no other purpose, this fund can be utilised and hence is restricted to the 9 sectors mentioned above. Here\u2019s an instance to understand what it means, the banks may raise it to fund other carbon-heavy purposes whereas the funds from Green Deposits must only be used for environment-friendly projects.<\/span><\/p>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"How_is_it_to_have_an_Indian_Bond_Market_in_Global_Indices\"><\/span><strong><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/how-is-it-to-have-indian-bond-market-in-global-indices\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Green_Fixed_Deposits\">How is it to have an Indian Bond Market in Global Indices?<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h2><span class=\"ez-toc-section\" id=\"How_does_it_work\"><\/span><b>How does it work?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Beginning on June 1, the Reserve Bank of India has released a new framework for banks &amp; NBFCs to follow. It is mandatory for them to let RBI know what they are doing with the funds raised by the companies. It is just to ensure the money goes to the intended purpose and that the financial instrument has transparency.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is how it can help, it is the same as the regular FD offering interest to the investors for a fixed time. Although there isn\u2019t any significant difference in the interest rate compared to the regular FDs, the customers who believe in helping the sustainability agenda of these companies will find a reason to invest.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So that the companies can then invest in green initiatives.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">RBI has ensured the framework such that the exclusions are made clear such as they are exempt from using the funding for activities like direct waste combustion, generation of nuclear power, and extracting, producing, and distribution of fossil fuels.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These companies raising funds must issue the Green FD with both non-cumulative &amp; cumulative options, also allowing the investor to either withdraw or renew the Green FDs on maturity. They are safer for the reason that if it is issued by the bank, they offer insurance for a deposit of\u00a0 5 lakhs but this isn\u2019t the same case for NBFCs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If it is issued by the banks, they would raise this money to offer loans to the companies with the vision of sustainability.\u00a0<\/span><\/p>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"Housing_Prices_are_Increasing_Does_it_Put_You_in_Dilemma\"><\/span><strong><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/housing-prices-are-increasing-does-it-put-you-in-a-dilemma\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Green_Fixed_Deposits\">Housing Prices are Increasing, Does it Put You in Dilemma?<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n<h2><span class=\"ez-toc-section\" id=\"The_nitty_gritty\"><\/span><b>The nitty gritty\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With both retail and corporate customers in mind, these innovative financial instruments offer benefits that make them an enticing option for the environmentally-conscious investor.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Assured_returns_for_all\"><\/span><b>1. Assured returns for all<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Green Fixed Deposits provide a unique opportunity for individuals and corporate entities to invest their money while earning assured returns. Whether you&#8217;re a socially conscious individual looking to grow your savings or a business committed to sustainable finance, these deposits offer a reliable avenue to preserve and enhance your wealth.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Tailored_interest_rates\"><\/span><b>2. Tailored interest rates<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">To sweeten the deal, banks offer attractive interest rates on Green Fixed Deposits, with variations depending on the institution. As an added perk, senior citizens can enjoy an extra 0.25% interest rate on deposits up to Rs. 2 crores. Additionally, for those who prefer the convenience of online transactions, an enticing 0.1% extra interest rate per annum is applicable on deposits up to Rs. 50 lakhs. Such flexibility allows you to maximize your returns while making a positive impact.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Flexible_tenures\"><\/span><b>3. Flexible tenures<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The tenure of Green Fixed Deposits varies, typically ranging from 18 months to 10 years, providing ample choices to suit your financial goals and timeframes. Whether you seek short-term gains or long-term stability, these deposits offer the flexibility to tailor your investment horizon to your specific needs.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Premature_withdrawal_options\"><\/span><b>4. Premature withdrawal options<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Life is full of surprises, and sometimes we may need access to our funds earlier than expected. Green Fixed Deposits understand this and provide the flexibility of premature withdrawal.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">After an initial three-month lock-in period, individuals can withdraw their funds and earn a flat 3% interest, irrespective of prevailing rates, if the withdrawal occurs between 3 to 6 months.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Non-individual investors, on the other hand, can make interest-free premature withdrawals. However, it&#8217;s important to note that withdrawals made after six months attract a minor penalty of 1% and receive an interest rate of 1% lower than the applicable rates.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">It&#8217;s a fair compromise to ensure both stability and accessibility when needed.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Safety_and_security\"><\/span><b>5. Safety and security<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">With Green Fixed Deposits, you can rest assured that your deposits are protected. The Indian banking system provides insurance coverage for deposits up to Rs. 5 lakhs, giving you peace of mind and safeguarding your hard-earned money. Investing in a green future shouldn&#8217;t mean sacrificing security, and with these deposits, you can have the best of both worlds.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Closing_up\"><\/span><b>Closing up\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In a world where financial institutions are increasingly recognizing the urgency of sustainable investments, HSBC made a groundbreaking move in 2020 by becoming the first foreign bank in India to introduce a green fixed deposit scheme.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Like them, many other banks have a scheme for this initiative, such as HDFC, Federal Bank, DBS, Union Bank, IndusInd Bank, and many more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The timing couldn&#8217;t be more critical. According to the Organisation for Economic Cooperation and Development (OECD), achieving the ambitious sustainability goals set for our planet will require an astonishing annual funding of approximately $6.9 trillion until 2030. This staggering figure underscores the immense financial resources needed to create a sustainable and resilient world for future generations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Are you ready to join the movement and shape a sustainable future through your financial choices? The choice is yours, and the possibilities are mind-boggling.<\/span><\/p>\n<h4 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"The_Psychology_of_Investors_that_maybe_Irrational\"><\/span><strong><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/the-psychology-of-investors-that-may-be-irrational\/?utm_source=blog&amp;utm_medium=blog&amp;utm_Green_Fixed_Deposits\">The Psychology of Investors that maybe Irrational\u00a0<\/a><\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n","protected":false},"excerpt":{"rendered":"<p>FDs are just on the tip of our mind when it comes to investing in a financial product, Green FDs are now&hellip;<\/p>\n","protected":false},"author":4,"featured_media":12264,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[24,26],"tags":[],"class_list":["post-6164","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-market","category-investment-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is Green Fixed Deposit?<\/title>\n<meta name=\"description\" content=\"Learn about green deposits, a sustainable investment option. 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