{"id":9827,"date":"2025-09-21T05:07:26","date_gmt":"2025-09-21T05:07:26","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9827"},"modified":"2026-04-14T11:38:03","modified_gmt":"2026-04-14T11:38:03","slug":"term-deposit-vs-fixed-deposit-detailed-comparison","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/","title":{"rendered":"Term Deposit vs Fixed Deposit &#8211; A Detailed Comparison"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Term deposits and fixed deposits are two popular investment options in India. But most investors don\u2019t realise that these are different terms. A term deposit is a broader category.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Under this umbrella, you get multiple investment options, such as regular fixed deposits, Recurring Deposits (RDs), Post Office Term Deposits (TDs), Senior Citizen Savings Scheme, and more.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">On the other hand, a fixed deposit is just \u201cone type of term deposit\u201d where you invest a lump sum for a fixed tenure. Want a detailed comparison? In this article, you\u2019ll first learn about what <\/span><span style=\"font-weight: 400;\">term deposit schemes<\/span><span style=\"font-weight: 400;\"> are and their several types. Next, you will see a comparison table showing <\/span><span style=\"font-weight: 400;\">term deposit vs fixed deposit differences.<\/span><span style=\"font-weight: 400;\">\u00a0<\/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\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#What_is_a_Term_Deposit_Scheme\" >What is a Term Deposit Scheme?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#5_Common_Types_of_Term_Deposits\" >5 Common Types of Term Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#1_Fixed_Deposit\" >1. Fixed Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#2_Recurring_Deposit\" >2. Recurring Deposit<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#3_Post_Office_Term_Deposit_TD\" >3. Post Office Term Deposit (TD)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#4_National_Savings_Certificate_NSC_VIII_Issue\" >4. National Savings Certificate (NSC) VIII Issue<\/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\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#5_Senior_Citizens_Savings_Scheme_SCSS\" >5. Senior Citizens Savings Scheme (SCSS)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#Term_Deposit_vs_Fixed_Deposit_%E2%80%93_Major_Differences_You_Must_Know_in_2025\" >Term Deposit vs Fixed Deposit &#8211; Major Differences You Must Know in 2025!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#Want_to_Book_a_Fixed_Deposit_Online_Visit_the_GoldenPi_Platform_Today\" >Want to Book a Fixed Deposit Online? Visit the GoldenPi Platform Today!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#Term_Deposit_vs_Fixed_Deposit_FAQs\" >Term Deposit vs Fixed Deposit FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#1_Is_a_fixed_deposit_a_term_deposit\" >1. Is a fixed deposit a term deposit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#2_Are_term_deposit_plans_safe\" >2. Are term deposit plans safe?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#3_What_are_the_latest_FD_rates_2025\" >3. What are the latest FD rates 2025?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/#4_How_to_calculate_my_term_fixed_deposit_account_returns\" >4. How to calculate my term fixed deposit account returns?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_a_Term_Deposit_Scheme\"><\/span><strong>What is a Term Deposit Scheme?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\"><a href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/\">term deposit<\/a> plan<\/span><span style=\"font-weight: 400;\"> is an investment option where you place a certain amount of money in a bank, NBFC, or post office for a fixed period. The duration of a term deposit can be both short-term (from 7 days to 1 year) and long-term (up to 10 years). Also, you must deposit at least the minimum amount set by the financial institution.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, during this period, your money earns a fixed interest rate. Also, you receive guaranteed returns at the end of the term. For more clarity, let\u2019s check out five major types of term deposits in the next section.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Common_Types_of_Term_Deposits\"><\/span><strong>5 Common Types of Term Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Term deposit plans<\/span><span style=\"font-weight: 400;\"> come in different forms. Each scheme offers a non-market-linked and guaranteed return. Also, all of them involve investing money for a fixed period at a set interest rate. However, the structure and benefits differ. For a better understanding, check out the five common types of <\/span><span style=\"font-weight: 400;\">term deposit plans<\/span><span style=\"font-weight: 400;\">:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Fixed_Deposit\"><\/span><strong>1. Fixed Deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><span style=\"font-weight: 400;\">fixed deposit account<\/span><span style=\"font-weight: 400;\"> is an investment where you deposit a lump sum of money for a chosen duration. The interest rate offered depends on the duration of the deposit. You can even calculate your returns in advance using an <\/span><span style=\"font-weight: 400;\">FD rates calculator.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Normally, you cannot withdraw the money before maturity, but banks may allow you to break your FD with a penalty on the interest earned. However, some FDs do not allow early withdrawal, such as:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax-Saving FDs <\/span><span style=\"font-weight: 400;\">(qualify for a deduction of up to \u20b91,50,000 under Section 80C)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-Callable FDs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In addition, many banks offer a sweep-in\/sweep-out facility, where any excess balance above a set limit in your savings account can be automatically transferred into a <\/span><span style=\"font-weight: 400;\">fixed deposit account. <\/span><span style=\"font-weight: 400;\">This allows you to earn higher interest on idle funds. To explore some good FD options, you can <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">visit the GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, if we talk about <\/span><span style=\"font-weight: 400;\">term deposit and fixed deposit differences,<\/span><span style=\"font-weight: 400;\"> you may realise that every FD is a term deposit, but not every term deposit is an FD.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Recurring_Deposit\"><\/span><strong>2. Recurring Deposit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A recurring deposit is a <\/span><span style=\"font-weight: 400;\">term deposit plan<\/span><span style=\"font-weight: 400;\"> where you deposit a fixed amount of money regularly (usually every month) into your account for a set period. The bank pays you interest on the total balance. The rate is generally higher than a savings account and close to what fixed deposits offer.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the end of the chosen period, you receive both the total money you deposited + the interest earned. For several investors, RDs may be more flexible because you can select the deposit amount and duration based on your financial goals.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Post_Office_Term_Deposit_TD\"><\/span><strong>3. Post Office Term Deposit (TD)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">This <\/span><span style=\"font-weight: 400;\">term deposit scheme<\/span><span style=\"font-weight: 400;\"> is available in four options: 1 year, 2 years, 3 years, and 5 years. You can start with a minimum deposit of \u20b91,000 with no maximum limit. The interest is compounded quarterly but paid out annually. It is credited to your Post Office Savings Account or bank account (you usually intimate this before through written instructions).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Furthermore, accounts can be opened by:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A single adult<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Up to three adults jointly\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A guardian for a minor or a person of unsound mind<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">As of September 23, 2025, the interest rates (applicable for the July to September 2025 quarter) are:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Tenure<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Interest Rate<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">1 year<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6.9%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.0%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.1%<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5 years<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7.5%<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><i><span style=\"font-weight: 400;\">Note: Interest rates pertaining to National Savings Schemes run through Post Offices change every quarter. The above rates are valid from July to September. Investors must check the latest rates before investing.\u00a0<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">Be aware that a 5-year TD also qualifies for tax benefits under Section 80C of the Income Tax Act, 1961.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_National_Savings_Certificate_NSC_VIII_Issue\"><\/span><strong>4. National Savings Certificate (NSC) VIII Issue<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The Post Office NSC is a government-backed <\/span><span style=\"font-weight: 400;\">term deposit plan<\/span><span style=\"font-weight: 400;\"> with a fixed maturity period of 5 years. It can be opened with a minimum of \u20b91,000 with no maximum investment limit. The <a href=\"https:\/\/goldenpi.com\/blog\/senior-citizen\/disadvantages-of-the-senior-citizen-savings-scheme\/\">scheme<\/a> is available only to resident Indian individuals.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Accounts can be held:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">By a single adult.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Jointly by up to three adults (either Joint \u2018A\u2019\u2014operated jointly, or Joint \u2018B\u2019\u2014operated by any one holder).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A guardian for a minor or a person of unsound mind.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The deposit qualifies for tax deduction under Section 80C of the Income Tax Act (up to \u20b91,50,000 under the old regime). Interest is compounded annually and is added back (re-invested) to the certificate amount for the first four years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the end of 5 years, the investor receives the original deposit + the total accumulated interest. As of September 23, 2025, you can get 7.70% p.a. for the July-September 2025 quarter.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Senior_Citizens_Savings_Scheme_SCSS\"><\/span><strong>5. Senior Citizens Savings Scheme (SCSS)<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The SCSS is another government-backed <\/span><span style=\"font-weight: 400;\">term deposit scheme<\/span><span style=\"font-weight: 400;\"> for individuals aged 60 years or above. An account can be opened with a minimum of \u20b91,000 and up to a maximum of \u20b930 lakh (across all SCSS accounts held by one person).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to interest payment frequency, it is paid every quarter on:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">31st March<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">30th June<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">30th September<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">31st December<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">This <\/span><span style=\"font-weight: 400;\">term deposit plan<\/span><span style=\"font-weight: 400;\"> has an initial maturity of 5 years, but it can be extended any number of times in blocks of 3 years. Extension must be requested within 1 year of maturity. The extended account will earn interest at the rate applicable on the date of maturity or renewal.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Term_Deposit_vs_Fixed_Deposit_%E2%80%93_Major_Differences_You_Must_Know_in_2025\"><\/span><strong>Term Deposit vs Fixed Deposit &#8211; Major Differences You Must Know in 2025!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As an investor, you must understand that a term deposit is the broad category, while a fixed deposit is just one of its types. <\/span><i><span style=\"font-weight: 400;\">So, term deposit = the family, and fixed deposit = one member of that family.<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">To make this distinction easier, check out the detailed comparison table below:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><span style=\"font-weight: 400;\">Feature<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Fixed Deposit<\/span><\/th>\n<th><span style=\"font-weight: 400;\">Term Deposit<\/span><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">Meaning<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A type of <\/span><span style=\"font-weight: 400;\">term deposit scheme<\/span><span style=\"font-weight: 400;\"> where a lump sum is invested for a fixed period.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It is an umbrella category of deposits made with banks, NBFCs, or post offices.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The deposit is done for a fixed period at a pre-defined interest rate.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Types Covered<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tax-Saving FD<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-callable FDs\/ Bulk deposits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Callable FDs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retail\/ domestic fixed deposits\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/arbitrage-funds-vs-fixed-deposits-vs-bonds\/\"><span style=\"font-weight: 400;\">Fixed Deposits<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recurring Deposits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Post Office Term Deposit\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">National Savings Certificate (NSC) VIII Issue<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Senior Citizens Savings Scheme (SCSS)<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Deposit Pattern<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Always lump sum<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deposited once at the start<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Lump sum (FD)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Regular monthly (RD)<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Withdrawal Rules<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You can break your FD before the due date with a penalty.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">However, some exceptions are tax-saving FDs and non-callable FDs.\u00a0<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Vary by type<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some allow premature withdrawal with a penalty, while others (like NSC) do not.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Tax Benefits<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A 5-year <\/span><span style=\"font-weight: 400;\">tax-saving FD<\/span><span style=\"font-weight: 400;\"> qualifies for Section 80C deduction.<\/span><\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only certain TDs (such as, 5-year Post Office term deposit, NSC) qualify under Section 80C.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Want_to_Book_a_Fixed_Deposit_Online_Visit_the_GoldenPi_Platform_Today\"><\/span><strong>Want to Book a Fixed Deposit Online? Visit the GoldenPi Platform Today!<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Till now, you must have learned that a term deposit is a blanket category that covers fixed deposits. Both are non-market-linked investment options with a fixed maturity date.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, they differ in some ways:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term deposits include FDs, RDs, tax-saving deposits, and more, while an FD is only one of its type.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Term deposits can involve lump-sum or recurring contributions, but FDs always require a lump sum.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Withdrawal rules vary across <\/span><span style=\"font-weight: 400;\">term deposit plans<\/span><span style=\"font-weight: 400;\">. Whereas, FDs usually allow premature withdrawal with a penalty (except tax-saving or non-callable FDs).<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Only 5-year FDs qualify for tax benefits under Section 80C.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Are you looking for good FD options? You can <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">visit GoldenPi<\/span><\/a><span style=\"font-weight: 400;\"> and explore multiple choices offered by leading small finance banks and NBFCs. Also, you can <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">open an <\/span><span style=\"font-weight: 400;\">FD online<\/span><\/a><span style=\"font-weight: 400;\"> within minutes from the comfort of your home. No branch visits required!\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Term_Deposit_vs_Fixed_Deposit_FAQs\"><\/span><strong>Term Deposit vs Fixed Deposit FAQs<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Is_a_fixed_deposit_a_term_deposit\"><\/span><strong>1. Is a fixed deposit a term deposit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes! In a term deposit, you can invest a lump sum or monthly with a bank or institution. Whereas, fixed deposit (FD) is one type of term deposit where only a lump sum is invested.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In both options, you make an investment for a fixed period and at an agreed interest rate.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">So, you can understand that every FD is a term deposit, but not every term deposit is an FD.<\/span><\/i><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Are_term_deposit_plans_safe\"><\/span><strong>2. Are term deposit plans safe?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Bank deposits are insured up to \u20b95 lakh by DICGC (Deposit Insurance and Credit Guarantee Corporation). Whereas NBFC deposits are not insured and carry a higher risk.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At the same time, Post Office <\/span><span style=\"font-weight: 400;\">term deposit plans<\/span><span style=\"font-weight: 400;\"> are backed by a sovereign guarantee, which makes them 100% safe.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_are_the_latest_FD_rates_2025\"><\/span><strong>3. What are the latest FD rates 2025?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As of September 23, 2025, Suryoday Small Finance is offering competitive interest rates up to 8.40% p.a. (for senior citizens) and 8.20% p.a. (for general customers) for a tenure of 5 years.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alternatively, if you are looking to book corporate FDs, Shriram Finance is offering Interest rates up to 8.15% p.a. (includes 0.50% p.a. for senior citizens + 0.05% p.a. for Women). If you are looking to invest in these <\/span><span style=\"font-weight: 400;\">fixed deposit online, <\/span><span style=\"font-weight: 400;\">you can visit the <\/span><a href=\"https:\/\/goldenpi.com\/fixed-deposits\"><span style=\"font-weight: 400;\">GoldenPi platform<\/span><\/a><span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_calculate_my_term_fixed_deposit_account_returns\"><\/span><strong>4. How to calculate my term fixed deposit account returns?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You can calculate returns using an online <\/span><span style=\"font-weight: 400;\">FD calculator<\/span><span style=\"font-weight: 400;\">. All you must do is input four basic values, such as:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Deposit amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Citizen type (regular or senior citizen)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tenure<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Interest rate (usually pre-filled based on inputs 2 and 3)<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Now, the calculator instantly shows the maturity value, including both principal and total interest earned. To make a free estimation, you can use this free<\/span> <a href=\"https:\/\/goldenpi.com\/fixed-deposits\/fd-details\/GPID105191\/suryoday-small-finance-bank-cfd-yield?fp=suryoday-bank&amp;ia=100000&amp;tenure=60-months&amp;pm=on-maturity&amp;sc=senior-citizen&amp;tx=taxable&amp;src=view_details&amp;selectHighRate=true&amp;sr=without-special-rate\"><span style=\"font-weight: 400;\">FD calculator<\/span><\/a> <span style=\"font-weight: 400;\">multiple times. No login or signup required!\u00a0<\/span><\/p>\n<p><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"1. Is a fixed deposit a term deposit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes! In a term deposit, you can invest a lump sum or monthly with a bank or institution. Whereas, fixed deposit (FD) is one type of term deposit where only a lump sum is invested.\u00a0\\n\\nIn both options, you make an investment for a fixed period and at an agreed interest rate.\u00a0\\n\\nSo, you can understand that every FD is a term deposit, but not every term deposit is an FD.\"}},{\"@type\":\"Question\",\"name\":\"2. Are term deposit plans safe?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Bank deposits are insured up to \u20b95 lakh by DICGC (Deposit Insurance and Credit Guarantee Corporation). Whereas NBFC deposits are not insured and carry a higher risk.\u00a0\\n\\nAt the same time, Post Office term deposit plans are backed by a sovereign guarantee, which makes them 100% safe.\"}},{\"@type\":\"Question\",\"name\":\"3. What are the latest FD rates 2025?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"As of September 23, 2025, Suryoday Small Finance is offering competitive interest rates up to 8.40% p.a. (for senior citizens) and 8.20% p.a. (for general customers) for a tenure of 5 years.\u00a0\\n\\nAlternatively, if you are looking to book corporate FDs, Shriram Finance is offering Interest rates up to 8.15% p.a. (includes 0.50% p.a. for senior citizens + 0.05% p.a. for Women). If you are looking to invest in these fixed deposit online, you can visit the GoldenPi platform.\u00a0\"}}]}<\/script><br \/>\n<span style=\"font-weight: 400;\">__________________________________________________________________________________________________________<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Disclaimer:<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Fixed Deposit schemes are regulated by the Reserve Bank of India. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Term deposits and fixed deposits are two popular investment options in India. But most investors don\u2019t realise that these are different terms.&hellip;<\/p>\n","protected":false},"author":8,"featured_media":11911,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225,228],"tags":[216,296],"class_list":["post-9827","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","category-short-term-fixed-deposits-fixed-income","tag-short-term-fixed-deposit-fd","tag-fixed-deposit-scheme"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Term Deposit vs Fixed Deposit - A Detailed Comparison<\/title>\n<meta name=\"description\" content=\"Explore the key differences between term deposit vs fixed deposit in this detailed comparison, helping you choose the best investment option for your needs.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Term Deposit vs Fixed Deposit - A Detailed Comparison\" \/>\n<meta property=\"og:description\" content=\"Explore the key differences between term deposit vs fixed deposit in this detailed comparison, helping you choose the best investment option for your needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/term-deposit-vs-fixed-deposit-detailed-comparison\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-21T05:07:26+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-14T11:38:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/09\/24085418\/Term-Deposit-vs-Fixed-Deposit-A-Detailed-Comparison-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; 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