Fixed Deposit

FDs are one of the oldest and most common methods of investing. When it comes to assured returns, choosing the right type of savings scheme makes all the difference. Fixed Deposits let you make the most of value-added benefits as you create wealth at low risk.

Types of Companies offering Fixed Deposits:

• Financial Institutions
• Non-Banking Finance Companies (NBFCs)
• Housing Finance Companies
• Banks

Features and Benefits:

• Company Fixed Deposits offer comparatively higher returns than banks.
• Choose the best tenure for you from a wide range as per your convenience. You can choose how frequently you want to receive your interest payments:

» On Maturity

» Yearly

» Half-yearly

» Quarterly

» Monthly

• Company Fixed Deposits are non transferable that means there is no fear of FD receipt being stolen. In case it falls into wrong hands, it cannot be misused.
• Premature encashment of deposit is available any time subject to payment of prescribed penalty.
• Diversify Risk - The deposits should be spread over a large number of companies engaged in different industries. This way, you'll be able to diversify your risk among various industries / companies.
• Wide Choices - Many companies operating in the Company Deposit market. This will help you decide whether to renew or reshuffle the deposit.
• Attractive rates as applicable from time to time.

Professional Management: The primary advantage of funds is the professional management of your money. Investors purchase funds because they do not have the time or the expertise to manage their own portfolio. A mutual fund is a relatively inexpensive way for a small investor to get a full-time manager to make and monitor the investments.

Diversification: By owning "shares"(known as "units") in a mutual fund instead of owning individual stocks or bonds, your risk is spread out. The idea behind diversification is to invest in a number of assets so that a loss in any particular investment is minimized by gains in others. In other words, the more stocks and bonds you own, the less any one of them can hurt you. Large mutual funds typically own hundreds of different stocks in many different industries. It wouldn't be possible for a small investor to build this kind of portfolio with a small amount of money.

Economies of Scale: Because a mutual fund buys and sells large amounts of securities at a time, its transaction costs are lower than you as an individual would pay.

Liquidity: Just like an individual stock, a mutual fund allows you to sell the units at any time.

Simplicity: Buying a mutual fund is easy! The minimum investment is also very small. As little as Rs 500 can be invested on a monthly basis. Just contact us to know more.