Can I withdraw my FD before maturity?

Yes, you can withdraw your FD before maturity (premature withdrawal). However, a penalty charge of 0.5% to 1% is usually levied, and you may receive a lower interest rate than originally agreed upon.

Are FD returns taxable?

Yes, interest earned on FDs is taxable as per your income tax slab. Banks deduct TDS (Tax Deducted at Source) if your interest income exceeds ₹40,000 per year (₹50,000 for senior citizens).

What is the difference between cumulative and non-cumulative FDs?

In cumulative FDs, interest is compounded and paid at maturity along with the principal. In non-cumulative FDs, interest is paid out at regular intervals (monthly, quarterly, or annually) as per your choice.

How is FD interest calculated?

FD interest is calculated using the compound interest formula: A = P(1 + r/n)^(nt), where P is principal, r is annual interest rate, n is compounding frequency, and t is tenure in years. Use our FD calculator for instant calculations.

Is my FD deposit insured?

Yes, FDs with banks are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor per bank. This includes both principal and interest amounts.

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Fixed Deposit Calculator

Tenure5 Yrs

Select Interest Rate12%

Total Value₹9,031

Invested Amount₹5,000

Est. Returns₹4,031

Angel One Fixed Deposits

Assured Returns. Absolute Peace of Mind.

Looking for a safe, stable, and rewarding way to grow your money? Angel One Fixed Deposits offer attractive interest rates, flexible tenures, and guaranteed returns, making them one of the most secure investment options in India.

Whether you're planning for your child's education, retirement, or just want to park your surplus funds—FDs are your perfect financial cushion.

How Angel One FDs Work

Choose your investment amount

Select your preferred tenure

Pick your compounding and payout frequency

Get fixed returns credited to your bank on maturity or periodically

Who Should Invest in Fixed Deposits?

Conservative investors who want capital protection

Salaried professionals looking for stable passive income

Retirees needing predictable interest payouts

Parents saving for a child’s education or wedding

Anyone wanting guaranteed returns without market volatility

Feature	Details
Min. Investment	₹5,000 onwards
Interest Rate	Up to 8.5% p.a.
Tenure	6 months to 10 years
Payout Options	Monthly / Quarterly / Cumulative
Tax Benefits	Available on 5-Year Tax Saver FDs
Ratings	AAA, AA+ by CRISIL, ICRA etc.
Account Required?	No Demat needed

Frequently Asked Questions

The minimum deposit amount varies by bank/NBFC, typically starting from ₹1,000. Some institutions may have higher minimum requirements, which will be clearly mentioned during the application process.

Don’t Just Save. Make Your Money Work Harder

Safe, Smart & Seamless. Guaranteed Growth.

Start Your Fixed Deposit Today with Angel One

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