FIXED DEPOSIT LÀ GÌ

A Fixed Deposit That’ll Shield You from Uncertainties

You don’t need a crystal ball to lớn stay ready for the future. All it takes is a click on digibank.

Bạn đang xem: Fixed deposit là gì

Bạn sẽ xem: Fixed deposit là gìquý khách hàng đang xem: Fixed deposit là gì


*

*

*

Up to 5.5%* p.a. interest rates

Set Up a Fixed Deposit Before Life Hands You Lemons

No matter what plot twists life springs up, you’re empowered to overcome it calmer, smarter, better prepared. Your fixed deposit will act as a contingency fund i.e. a fund created khổng lồ tackle emergencies và unforeseen developments, & should be equal to 3 to lớn 6 months’ worth of your expenses.

Why Are digingân hàng FDs the Best Contingency Funds?

Risk-Free: Your fixed deposit remains safe and unaffected by volatile markets.

Assured Returns: Liquidate your fixed deposit instantly right when you need it. T&C apply.

You can effortlessly set digingân hàng FDs for situations like:


*

Medical Emergencies


*

Job Uncertainties

Economic Ups và Downs

Last Minute Plans và more

digingân hàng Quickies: Why fixed deposit as contingency fund with digingân hàng is a must have?

Here’s Your Umbrella for Rainy Days

Setting up a contingency fund is one of the first and most important steps you take towards financial freedom. digibank does it all for you, so that whenever the going gets tough, you’re unstoppable.

Convenient

Manage your digingân hàng FD - amount, tenure, add/change nominee, maturity instructions, termination, etc. all from your phone.

Customisable

xuất hiện digibank FDs starting from ₹5000. Decide your own amount, choose your own tenure.

Insured digibank FDs

Your deposits are insured by DICGC for up to lớn ₹5,00,000 (5 lakh rupees).

Open digibank FD

digingân hàng quickies- How to lớn start a fixed deposit contingency fund instantly with digibank?

Never Run Out of Options

Take Your Pick:

Fixed Deposit

A lumpsum amount invested in one go.

Ikhuyến mãi if you’re looking to:

Save sầu for unexpected rainy days.Ikhuyến mãi to curb your spendthrift tendencies and save sầu for emergencies instead.Earn a fixed interest rate.

Recurring Deposit

Smaller sums of money invested over a period of time lớn meet a specific goal.

Ideal if you’re looking to:

Save lớn spkết thúc on a new gadget, travels or other goals.Igiảm giá to lớn meet all your purchase goals without breaking your budget.Enjoy interest rate similar to fixed deposit.

Learn more about Recurring Deposit

Think That’s All? There’s More Where That Came From!

Whether it’s smarter savings, better investments, easy personal loans, international fund transfers - your digingân hàng is designed to help you live better. It’s so easy, it feels like magic!

Personal Loan

Fast-track your life with instant paperless digingân hàng personal loans of up lớn Rs. 15 Lakhs.

Recurring Deposit

Make goal-oriented savings effortlessly at a higher interest rate!

Remittance

Keep love và life undelayed with instant international transfers at no extra cost.

Insurance

Through thiông xã & thin, we’ve got you covered with health insurance plans for the family, autothiết bị di động insurance and travel insurance.

Investment

You don’t need khổng lồ be a finance guru khổng lồ make smart investment choices. You’ve sầu got digibank lớn help you become your own expert.

Frequently Asked Questions

What is a fixed deposit?

A fixed deposit (FD) is an investment instrument that allows you khổng lồ invest a lump-sum amount for a chosen tenure to earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings trương mục.

What is a fixed deposit?

A fixed deposit (FD) is an investment instrument that allows you to lớn invest a lump-sum amount for a chosen tenure lớn earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings tài khoản.

What is a recurring deposit?

RD or recurring deposit is a type of deposit that enables you lớn invest smaller amounts at regular intervals while giving you interest similar lớn a fixed deposit.

What is a recurring deposit?

RD or recurring deposit is a type of deposit that enables you lớn invest smaller amounts at regular intervals while giving you interest similar to a fixed deposit.

Is there a minimum amount or tenure for a term deposit?

The minimum amount for a fixed deposit is Rs. 5,000 while it’s Rs. 500 for a recurring deposit. The tenure can range from a few days khổng lồ five sầu years. You can choose to lớn invest the RD amount on a daily, weekly, monthly or quarterly basis.

Is there a minimum amount or tenure for a term deposit?

The minimum amount for a fixed deposit is Rs. 5,000 while it’s Rs. 500 for a recurring deposit. The tenure can range from a few days to five sầu years. You can choose khổng lồ invest the RD amount on a daily, weekly, monthly or quarterly basis.

What interest rates does digibank offer on term deposits?

To know more about the interest rates on term deposits, please tải về our digingân hàng ứng dụng, or visit the ibanking website.

What interest rates does digibank offer on term deposits?

To know more about the interest rates on term deposits, please download our digibank tiện ích, or visit the ibanking website.

If I reinvest my term deposit at the over of the tenure, will the interest rate stay the same?

No. The current interest rate at the time of the creation of the new deposit will apply.

Xem thêm: Mua Bán Xe Honda Civic Cũ Giá Rẻ 08/2021, Mua Bán Xe Honda Civic Cũ Và Mới Giá Tốt

If I reinvest my term deposit at the kết thúc of the tenure, will the interest rate stay the same?

Can I encash my deposit before the maturity date?

Yes, you can terminate a deposit at any time, but there are penalties for the early closure. Use the "Manage" tab in the "Term Deposits" section of the digingân hàng phầm mềm khổng lồ know more.

Can I encash my deposit before the maturity date?

Are my deposits insured?

Yes. Your deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC), a subsidiary of the Reserve Bank of India (RBI), for up to lớn ₹ 5,00,000 (5 lakh rupees).

Are my deposits insured?

Yes. Your deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC), a subsidiary of the Reserve Bank of India (RBI), for up lớn ₹ 5,00,000 (5 lakh rupees).

What happens when my deposit matures?

When your deposit matures, you have the option of reinvesting the balance in a new deposit, transferring the money into lớn your digiSavings trương mục, or only transferring the interest to your tài khoản và reinvesting the original investment in a new term deposit.

What happens when my deposit matures?

When your deposit matures, you have sầu the option of reinvesting the balance in a new deposit, transferring the money into your digiSavings tài khoản, or only transferring the interest to your trương mục và reinvesting the original investment in a new term deposit.

How can I phối up a recurring deposit?

Setting up an RD is an easy & hassle-free process. You can vì so via the digingân hàng app on your điện thoại thông minh or visit the digibank ibanking trang web, log in & select "Deposits (FD/RD)" in the navigation thực đơn. Post that, clichồng on "mở cửa new deposit" và follow the instructions as shown on the website. You have the choice of setting up the frequency of the pay-out, the total amount, và the duration for which you want to lớn have sầu the deposit. In just a few minutes, you can open a deposit with cqaugusta.com Bank và maximise your savings!

How can I set up a recurring deposit?

Setting up an RD is an easy và hassle-không lấy phí process. You can bởi vì so via the digingân hàng tiện ích on your smartphone or visit the digibank ibanking trang web, log in và select "Deposits (FD/RD)" in the navigation menu. Post that, clichồng on "Open new deposit" and follow the instructions as shown on the trang web. You have sầu the choice of setting up the frequency of the pay-out, the total amount, and the duration for which you want khổng lồ have sầu the deposit. In just a few minutes, you can open a deposit with yamadomain authority.edu.vn Bank & maximise your savings!

Will my deposit be automatically reinvested on maturity?

It will be automatically reinvested only if your instructions while opening the deposit mention reinvesting the amount on maturity. You can edit your settings in the "Deposits (FD/RD)" section of the digingân hàng ứng dụng., select the deposit you want to lớn view or change & then click on the "Manage" tab.

Will my deposit be automatically reinvested on maturity?

It will be automatically reinvested only if your instructions while opening the deposit mention reinvesting the amount on maturity. You can edit your settings in the "Deposits (FD/RD)" section of the digibank phầm mềm., select the deposit you want to lớn view or change and then cliông chồng on the "Manage" tab.

Is there a cut-off date when I can no longer change the maturity instructions for my deposit?

No. You can change the maturity instructions at any time during the tenure by visiting the "Manage" tab in the "Deposits (FD/RD)" section of the digingân hàng phầm mềm.

Is there a cut-off date when I can no longer change the maturity instructions for my deposit?

No. You can change the maturity instructions at any time during the tenure by visiting the "Manage" tab in the "Deposits (FD/RD)" section of the digingân hàng phầm mềm.

What if my digiSavings tài khoản has insufficient funds for my recurring deposit payment?

In case your digiSavings trương mục has insufficient funds, and we"re unable khổng lồ debit the payment, your term deposit will continue, but the amount & interest you receive at maturity will be adjusted based on the missed payments. Fees may also be payable.

What if my digiSavings account has insufficient funds for my recurring deposit payment?

In case your digiSavings tài khoản has insufficient funds, and we"re unable to debit the payment, your term deposit will continue, but the amount & interest you receive sầu at maturity will be adjusted based on the missed payments. Fees may also be payable.

If I choose lớn reinvest my deposit on maturity, will I be notified when it is reinvested?

Before maturity, you will receive sầu notifications by a combination of SMS, tin nhắn và in-ứng dụng messages. If you choose khổng lồ reinvest upon maturity then, we will bởi so và notify you about it once it is done.

If I choose to lớn reinvest my deposit on maturity, will I be notified when it is reinvested?

Before maturity, you will receive sầu notifications by a combination of SMS, gmail & in-ứng dụng messages. If you choose to reinvest upon maturity then, we will bởi so and notify you about it once it is done.

Is there a charge for insuring my deposits with digibank?

No, we do not charge you for opening a fixed deposit with us. The bank covers the applicable cost.

Is there a charge for insuring my deposits with digibank?

No, we vì not charge you for opening a fixed deposit with us. The ngân hàng covers the applicable cost.

Can I change the amount and frequency of my recurring deposit?

No. Once the RD has been created, changing the payment amount or the frequency is not possible.

Can I change the amount and frequency of my recurring deposit?

No. Once the RD has been created, changing the payment amount or the frequency is not possible.

How many deposits can I hold at the same time?

You can open as many fixed deposit accounts as you wish. There is no limit.

How many deposits can I hold at the same time?

You can open as many fixed deposit accounts as you wish. There is no limit.

What if my deposit matures on a weekend or public holiday?

In case your term deposit matures on a weekkết thúc or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue khổng lồ earn interest for the extra days.

What if my deposit matures on a weekkết thúc or public holiday?

In case your term deposit matures on a weekover or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue to lớn earn interest for the extra days.

When will interest be paid on my deposit?

The Interest on your fixed deposit is credited to lớn your trương mục on maturity or premature termination. But an early termination may result in an interest rate lower than the current rate.

When will interest be paid on my deposit?

The Interest on your fixed deposit is credited khổng lồ your trương mục on maturity or premature termination. But an early termination may result in an interest rate lower than the current rate.

Can I see how much interest has been earned on my deposit?

To find out how much interest you’ve sầu earned on your FD or RD, visit "Deposits (FD/RD)" section of the digingân hàng app.

Can I see how much interest has been earned on my deposit?

What are the requirements for opening a digingân hàng term deposit?

If you have a digiSavings trương mục, you can easily open a term deposit. For a fixed deposit, the minimum amount you need khổng lồ invest is Rs. 5,000, & for a recurring deposit it is Rs. 100.

What are the requirements for opening a digibank term deposit?

Viewthe full danh sách of FAQs