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FD Guides & Articles

Everything you need to know about Fixed Deposits in India — rates, taxation, senior citizen benefits, NRI options and smart strategies. Every guide is available in English, Hindi, Marathi, Telugu & Bengali.

FD Nomination and Joint FD Rules
Family Guide

FD Nomination & Joint FD Rules 2026 — How to Make Sure Your FD Reaches Your Family

The new 4-nominee rule, joint FD modes, nominee vs legal heir, the 15-day claim rule, and the ₹15 lakh route when there is no nominee.

October 6, 2026 · 9 min read

EN हिंदी मराठी తెలుగు বাংলা
Cumulative vs Non-Cumulative FD
Beginner's Guide

Cumulative vs Non-Cumulative FD — Which Payout Option Should You Choose?

How cumulative and monthly/quarterly payout FDs differ, a ₹5 lakh example with real numbers, the tax rule most people miss, and which option fits your goal.

September 24, 2026 · 8 min read

EN हिंदी मराठी తెలుగు বাংলা
Small Finance Bank FD Safety and DICGC Insurance
Safety Guide

Are Small Finance Bank FDs Safe? DICGC ₹5 Lakh Insurance Explained

Why SFBs pay 8%+, how the ₹5 lakh DICGC cover really works, how to split deposits to stay fully insured, and a safety checklist.

September 24, 2026 · 9 min read

EN हिंदी मराठी తెలుగు বাংলা
NRI Fixed Deposit Guide
NRI Guide

NRI Fixed Deposit Guide — NRE vs NRO vs FCNR: Which FD Should You Choose?

How NRE, NRO and FCNR deposits differ in taxation, repatriation and currency risk, current indicative rates, and how to choose the right one.

August 17, 2026 · 10 min read

EN हिंदी मराठी తెలుగు বাংলা
FD Laddering Strategy
Investment Strategy

FD Laddering Strategy — How to Build an FD Ladder for Liquidity & Better Returns

What FD laddering is, how to build an FD ladder step-by-step, a real example with numbers, and why it beats a single lump-sum FD.

August 17, 2026 · 8 min read

EN हिंदी मराठी తెలుగు বাংলা
Post Office FD vs Bank FD
Comparison Guide

Post Office FD vs Bank FD — Which Should You Choose in 2026?

Interest rates, safety, premature withdrawal rules, TDS, and Section 80C benefits compared — find out which fixed deposit option suits you.

August 8, 2026 · 10 min read

EN हिंदी मराठी తెలుగు বাংলা
Tax-Saving FD under Section 80C
Tax Guide

Tax-Saving FD 2026 — 5-Year FD Under Section 80C: Complete Guide

How the 5-year tax-saving FD under Section 80C works, current rates at SBI, HDFC, ICICI, lock-in rules, and how it compares to PPF, NSC and ELSS.

August 1, 2026 · 9 min read

EN हिंदी मराठी తెలుగు বাংলা
TDS on Fixed Deposit Interest
Tax Guide

TDS on Fixed Deposit Interest 2026 — New Limits, Rates & How to Save Tax

New threshold limits of ₹50,000 (general) and ₹1 lakh (senior citizens), 10% TDS rate, Form 15G/15H, and how to claim a TDS refund.

July 14, 2026 · 8 min read

EN हिंदी मराठी తెలుగు বাংলা
Senior Citizen FD Guide
Complete Guide

Senior Citizen FD Guide 2026 — Best Rates, Tax Benefits & Smart Tips

Extra 0.50% interest, Form 15H to avoid TDS, best banks, and smart tips to maximise FD returns for senior citizens.

July 5, 2026 · 9 min read

EN हिंदी मराठी తెలుగు বাংলা
How to break FD before maturity
Complete Guide

How to Break FD Before Maturity — Penalty, Process & Smarter Alternatives

How premature FD withdrawal works, penalty charges from top banks, step-by-step process, and smarter alternatives like loan against FD.

June 28, 2026 · 8 min read

EN हिंदी मराठी తెలుగు বাংলা
Best Fixed Deposit Rates in India
Complete Guide

Best Fixed Deposit Rates in India 2026 – Compare, Choose & Book Online

Compare FD interest rates from top banks and NBFCs, learn how FDs work, tax rules, and tips to maximise returns.

June 22, 2026 · 12 min read

EN हिंदी मराठी తెలుగు বাংলা

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