Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

  • Fixed Deposit
  • 10 Months ago
  • Comments
Extensive Guide for Choosing a Fixed Deposit with the Best Interest Rates

Good financial planning is at the heart of financial independence. A portion of your portfolio must be invested in safe instruments to get you through the tests of life. A fixed deposit is one such investment avenue where your money stays safe, and you earn a decent amount of compounded return. Several banks and financial institutions offer fixed deposit schemes at competitive interest rates. You must choose a fixed deposit scheme that aligns with your investment strategy and money goals. Let's look at an extensive guide to help you choose an FD with the best interest rates on offer.

What is a fixed deposit facility?

A fixed deposit is an investment facility offered by NBFCs, banks and other financial institutions complying with the RBI regulations. A fixed deposit's interest rate is much higher than the interest rate on savings and current accounts. The higher interest rate is necessary because of the lock-in period of an FD account, which is why it is also called a term deposit or a time deposit in Canada, Australia, New Zealand and the United States.

It is incredibly safe to park your money in an FD account. To reduce your worries further, the DICGC, that is, the Deposit Insurance and Credit Guarantee Corporation, guarantees Rs. 5,00,000 per depositor, per bank, in the event of a mishap.

How to choose a fixed deposit scheme

Before selecting a suitable scheme for you, you have to make a financial plan for yourself.

Financial Planning

Financial planning is the process of handling your finances such that it meets your immediate and long-term needs. You must decide the investment amount in a fixed deposit, the tenure of the deposit, the minimum interest rate desired and whether you want the FD to be cumulative or non-cumulative. Once you are clear about your ambitions, the task of finding a suitable FD scheme will become a lot easier.

Use the guide below to find a fixed deposit scheme that suits your financial plans.

  1. Interest rate offered

    While you research for the appropriate investment option, make sure that you make an interest rate comparison. Shriram City offers interest rates up to 7.75% p.a. and an additional 0.3% p.a. for senior citizens. With the rising concerns of inflation, money must grow for you. Your regular salary income might not be able to handle all your financial commitments in the future. Hence, salary or business income must be combined with interest income from a fixed deposit.

  2. Tenure of deposit

    Again, your financial plan will guide you towards the tenure that is proper for you. Whether your needs are short-term or long-term, there is a tenure available to suit your requirements. Shriram City Union Finance offers FD with tenures ranging from 12 months to 60 months. Whatever be the plan you select, your interest income is assured, enabling you to earn consistent returns.

  3. Conduct a background check

    When you get in business with another entity, you conduct a thorough background check, also called due diligence, to ensure that the agreement works out smoothly without any risk of default. Similarly, you must conduct a background check of the bank or financial institution providing the fixed deposit facility. Agencies like ICRA and CRISIL rate financial institutions as per their pre-defined criteria. Look for the highest rating when selecting your provider, as this ensures that your funds are safe and that you can enjoy the benefit of high returns with peace.

    Shriram City has been given the highest credit rating by rating agencies. ICRA has rated Shriram City 'MAA+ with Stable Outlook', and CRISIL has rated it 'FAAA/Stable'. A high credit rating is essential for enjoying safe and consistent returns.

  4. Cumulative fixed deposit

    A cumulative fixed deposit is the typical type of fixed deposit where the amount deposited stays locked in for the agreed-upon tenure. The significant benefit of this type of instrument is that your effective cumulative fixed deposit interest rate increases because of the magic of compounding. Compounding means earning interest on interest, and some institutions like Shriram City offer an effective yield of up to 9.05% p.a.

    If your money needs are not immediate, then a cumulative fixed deposit would be the best investment option for you because you get to earn a higher return during the same period.

  5. Non-Cumulative Fixed Deposit

    A non-cumulative fixed deposit is the opposite of a cumulative fixed deposit. If you want your hard-earned money to be invested safely and want a regular income to meet recurring expenses, such an FD would be the ideal investment choice. The payouts will happen at regular intervals, depending upon the period you select - monthly, quarterly, half-yearly or even yearly.

    The due diligence exercise gets prominence here as you will be dependent on the corporation for your regular financial needs. Choose a corporation that you trust and is reliable, and the non-cumulative fixed deposit interest rate provided is decent.

  6. Benefits for senior citizens

    As a senior citizen, a fixed deposit is the best choice as it provides a blend of high returns and low risks, which becomes even more essential during retirement. NBFCs like Shriram City Union Finance provide 0.3% p.a. additional on their fixed deposit instruments for senior citizens. While looking for a trusted FD issuer, along with the high interest-earning capability, also consider factors like online fixed deposit facility, smooth onboarding and impeccable customer support.

  7. Loan against FD facility

    Instead of premature withdrawal, it is advisable to take a loan against your fixed deposit to meet your cash needs. Go with a corporation that offers the highest value against FD security. Shriram City provides 75% of the value of the FD as a loan, making it convenient to meet expenses.

Parting thoughts

If you follow a systematic process and consider the pointers mentioned above, your search will become easier. Remember, your decision might have long-term consequences and might affect your financial freedom in the future. Therefore, it would help if you took a well-researched decision.

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Easy ways to repay the Loan against Jewellery

  • May 12 2021
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  • Gold Loan

How You Can Pick The Best Business Loan

  • May 14 2021
  • |
  • Business Loans

Why Fixed Deposits - An ideal Investment Option for Beginners

  • May 19 2021
  • |
  • Fixed Deposit

Benefits of Taking Loan for Two Wheeler

  • May 22 2021
  • |
  • Two Wheeler Loans

How to Frequently Monitor and Evaluate Your Investments

  • Jun 11 2021
  • |
  • Fixed Deposit

How to refinance your loan and get better rates for your gold loan

  • Jun 16 2021
  • |
  • Gold Loan

The Benefits of a Business Loan and How It Will Help You to Grow Your Business

  • Jun 17 2021
  • |
  • Business Loans

The 5 Biggest Mistakes to Avoid When Getting a Business Loan

  • Jun 17 2021
  • |
  • Business Loans

What kind of businesses are eligible for a Shriram City business loan?

  • Jun 24 2021
  • |
  • Business Loans

Fixed Deposit VS Unit Linked Insurance Plans (ULIP) Where to Invest?

  • Jul 02 2021
  • |
  • Fixed Deposit

Are the Interest Rates the Same Whether You Choose the Cumulative or Non-Cumulative Option?

  • Jul 08 2021
  • |
  • Fixed Deposit

Is It Possible For a Single Customer in Shriram City to Invest in Both FDs and RDs From the Same Account?

  • Jul 21 2021
  • |
  • Recurring Deposit

Why Is a Good CIBIL Score Vital For Achieving Business Goals?

  • Aug 02 2021
  • |
  • Business Loans

What are the differences between two wheeler loan vs personal loan?

  • Jul 27 2021
  • |
  • Two Wheeler Loans

Reasons and Benefits of Owning a Two Wheeler in City

  • Jul 28 2021
  • |
  • Two Wheeler Loans

What are the Opportunities for AI in the Financial Sector?

  • Aug 17 2021
  • |
  • Loans

AI Resolution In Lending: Hype Or Reality?

  • Aug 17 2021
  • |
  • Two Wheeler Loans

How is new technology helping NBFCs evolve?

  • Aug 18 2021
  • |
  • Loans

What is your money worth: A blog about understanding FDs and how you can make the most of them

  • Sep 03 2021
  • |
  • Fixed Deposit

How to keep your FD money safe through the best investment ideas

  • Sep 07 2021
  • |
  • Fixed Deposit

How to Plan and Save for a Baby: A blog on how to save for a baby's future

  • Sep 07 2021
  • |
  • Fixed Deposit

Benefits of Availing Two Wheeler loan with Shriramcity

  • Sep 08 2021
  • |
  • Two Wheeler Loans

Choosing the Right NBFC for Your FD: A blog discussing how to choose the best NBFC's for FD

  • Sep 08 2021
  • |
  • Fixed Deposit

Financial Tips for New Drivers: A Blog About the Financial Tips You Should Consider Because You are a New Driver

  • Sep 09 2021
  • |
  • Fixed Deposit

How can Investments in Fixed Deposits Help for Retirement?

  • Oct 21 2021
  • |
  • Fixed Deposit

Current Fixed Deposit Interest Rates - 2021

  • Oct 25 2021
  • |
  • Fixed Deposit

How Do Fixed Deposits Promote Senior Citizen Welfare

  • Nov 27 2021
  • |
  • Fixed Deposit

How flexi recurring deposit offers complete flexibility

  • Nov 30 2021
  • |
  • Recurring Deposit

How can Students Apply for Two-Wheeler Loans in India?

  • Dec 01 2021
  • |
  • Two Wheeler Loans

How are Fixed Deposits beneficial for Trust and Foundations

  • Dec 01 2021
  • |
  • Fixed Deposit

How to Optimise Your Investments in Fixed Deposits

  • Dec 02 2021
  • |
  • Fixed Deposit

The Only Guide You Need To Getting A Loan Against Gold Jewellery

  • Dec 04 2021
  • |
  • Gold Loan

How to choose your business loan online based on interest rates

  • Dec 07 2021
  • |
  • Business Loans

Important Criteria to be Aware of Before Applying for a Business Loan

  • Dec 08 2021
  • |
  • Business Loans

Why are SME Loans Crucial for Your Company's Growth?

  • Jan 20 2022
  • |
  • Business Loans

10 Things To Know About Two Wheeler Loans Post Pandemic

  • Jan 20 2022
  • |
  • Two Wheeler Loans

How to Buy Gold Loans on a Low Budget

  • Jan 21 2022
  • |
  • Gold Loan

10 Things Your Kids Don't Know About Recurring Deposits

  • Jan 21 2022
  • |
  • Recurring Deposit

How To Get More Results out of Your SME Loan?

  • Jan 24 2022
  • |
  • Business Loans

11 Ways to Completely maximise your business with the help of Shriram city business Loan

  • Feb 02 2022
  • |
  • Business Loans

7 Up-and-Coming Trends About Recurring Deposit

  • Feb 04 2022
  • |
  • Recurring Deposit

Recurring Deposit : Expectations vs. Reality

  • Feb 05 2022
  • |
  • Recurring Deposit

10 Reasons As To Why You Should Take A Two Wheeler Loan

  • Feb 07 2022
  • |
  • Two Wheeler Loans

Gold Loan: Expectations Vs. Reality

  • Feb 08 2022
  • |
  • Gold Loan

Why It's Easier to Succeed With business Loan Than You Might Think?

  • Feb 09 2022
  • |
  • Business Loans

Business loans: Expectation vs Reality

  • Feb 09 2022
  • |
  • Business Loans