{"id":9840,"date":"2025-09-19T05:46:26","date_gmt":"2025-09-19T05:46:26","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9840"},"modified":"2026-04-14T11:40:09","modified_gmt":"2026-04-14T11:40:09","slug":"what-is-a-fixed-deposits","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bank-fd\/what-is-a-fixed-deposits\/","title":{"rendered":"What is a Fixed Deposit?"},"content":{"rendered":"

A <\/span>fixed deposits<\/span> (FD) is a savings product offered by banks and non-banking financial companies (NBFCs). You invest a fixed amount of money (called \u201cprincipal\u201d) for a chosen time period. Next, the bank agrees to pay you a pre-fixed rate of interest on it. This allows you to earn non-market-linked and guaranteed returns.<\/span><\/p>\n

In India, the interest rate on FDs is different across institutions, but is usually higher than what savings accounts provide. You can also choose how long to keep your money, with options starting from 7 to 14 days and going up to 10 years.\u00a0<\/span><\/p>\n

Want to know more? In this article, you will learn some primary features of a <\/span>fixed deposit account<\/span> and see how FDs work. Next, you will check the latest <\/span>FD rates 2025<\/span> offered by leading Indian banks and NBFCs.\u00a0<\/span><\/p>\n

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