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Fixed Deposits

Fixed deposits remain a reliable choice for capital safety and predictable, short-term returns. We help clients compare bank and corporate FD rates and tenures to park emergency funds or near-term goal money without exposure to market movement.

We assess deposit insurance coverage, issuer credit rating and interest payout options (cumulative versus non-cumulative) to match the FD to your liquidity need. For corporate FDs, safety is prioritised over marginally higher rates.

FDs typically form the safety-first, near-term layer of a broader financial plan rather than a primary wealth-creation tool.

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Highlights

  • Bank and corporate FD comparison
  • Cumulative vs non-cumulative options
  • Emergency fund structuring
  • Laddering strategy for liquidity
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