FIXED DEPOSIT LÀ GÌ

A Fixed Deposit That’ll Shield You from Uncertainties

You don’t need a crystal ball khổng lồ stay ready for the future. All it takes is a click on digingân hàng.

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Instant Opening


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Paperless


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Up to lớn 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 lớn overcome it calmer, smarter, better prepared. Your fixed deposit will act as a contingency fund i.e. a fund created lớn tackle emergencies & unforeseen developments, và should be equal khổng lồ 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 & 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:


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Medical Emergencies


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Job Uncertainties


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Economic Ups và Downs


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Last Minute Plans & more


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


Here’s Your Umbrella for Rainy Days

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


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Convenient

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


Customisable

mở cửa digibank FDs starting from ₹5000. Decide your own amount, choose your own tenure.


Insured digingân hàng FDs

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


mở cửa digingân hàng 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 for unexpected rainy days.Ideal to curb your spendthrift tendencies & save sầu for emergencies instead.Earn a fixed interest rate.

Recurring Deposit

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

Igiảm giá khuyến mãi if you’re looking to:

Save sầu khổng lồ spend on a new gadget, travels or other goals.Igiảm giá khuyến mãi to meet all your purchase goals without breaking your budget.Enjoy interest rate similar to lớn 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 lớn 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 sầu and life undelayed with instant international transfers at no extra cost.


Insurance

Through thiông xã và thin, we’ve sầu got you covered with health insurance plans for the family, automobile insurance & travel insurance.


Investment

You don’t need to be a finance guru to make smart investment choices. You’ve sầu got digibank khổng lồ 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 to invest a lump-sum amount for a chosen tenure to lớn earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings account.


What is a fixed deposit?


A fixed deposit (FD) is an investment instrument that allows you 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 account.


What is a recurring deposit?


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


What is a recurring deposit?


RD or recurring deposit is a type of deposit that enables you to invest smaller amounts at regular intervals while giving you interest similar to lớn 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 lớn five sầu years. You can choose 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 to 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 download our digibank tiện ích, 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 phầm mềm, or visit the ibanking trang web.


If I reinvest my term deposit at the kết thúc 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.


If I reinvest my term deposit at the kết thúc 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.


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 digibank phầm mềm khổng lồ know more.


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 digibank tiện ích lớn know more.

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Are my deposits insured?


Yes. Your deposits are insured by the Deposit Insurance và Credit Guarantee Corporation (DICGC), a subsidiary of the Reserve Bank of India (RBI), for up 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 to 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 inlớn your digiSavings account, 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 the option of reinvesting the balance in a new deposit, transferring the money inlớn your digiSavings tài khoản, or only transferring the interest khổng lồ your trương mục và reinvesting the original investment in a new term deposit.


How can I set up a recurring deposit?


Setting up an RD is an easy and hassle-không tính tiền process. You can bởi vì so via the digingân hàng app on your điện thoại thông minh or visit the digingân hàng ibanking website, log in and select "Deposits (FD/RD)" in the navigation thực đơn. Post that, clichồng on "mở cửa new deposit" & follow the instructions as shown on the trang web. You have 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 nayaritas.net Bank and maximise your savings!


How can I set up a recurring deposit?


Setting up an RD is an easy và hassle-free process. You can do so via the digingân hàng ứng dụng on your điện thoại thông minh or visit the digibank ibanking trang web, log in và select "Deposits (FD/RD)" in the navigation thực đơn. Post that, cliông xã on "xuất hiện new deposit" and follow the instructions as shown on the trang web. 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 the deposit. In just a few minutes, you can open a deposit with nayaritas.net Bank and 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 app., select the deposit you want to lớn view or change và 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 tiện ích., select the deposit you want lớn view or change and then cliông xã 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 digibank 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 digibank tiện ích.


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


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


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


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


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


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

If I choose to 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, email and in-app messages. If you choose to reinvest upon maturity then, we will do so và notify you about it once it is done.

Is there a charge for insuring my deposits with digibank?


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


Can I change the amount & 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 weekkết thúc 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 to 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 weekend or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue lớn earn interest for the extra days.


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.


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.


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 digibank app.


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 digibank tiện ích.


What are the requirements for opening a digibank term deposit?


If you have sầu a digiSavings tài khoản, you can easily open a term deposit. For a fixed deposit, the minimum amount you need to lớn invest is Rs. 5,000, và for a recurring deposit it is Rs. 100.


What are the requirements for opening a digibank 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 to lớn invest is Rs. 5,000, và for a recurring deposit it is Rs. 100.


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