FD Benefits: Benefits of Fixed Deposit in 2022

FD Benefits: Benefits of Fixed Deposit in 2020

A fixed deposit is one of the most popular and safest investment options for investors across all age groups. It has stood the test of time as an investment avenue. The assurance of guaranteed returns and the safety of the investment makes it a preferred investment option for all typeinclinetors who have an inclination towards market-linked instruments, tend to diversify their portfolio by allocating some portion of their portfolio to fixed deposit investments. Fixed deposits not only provide assured returns but also market-linkedffsetting the risks of market linked investments such as equity, mutual funds, etc in your portfolio.

Let us take a look at some distinguished beThe monthlyof fixed deposit investment:

Monthly interest on FD

With a non-cumulative a FD, you can get monthly interest on fixed deposits. The most a important aspect of this benefit of fixed deposits is that you can choose how you want your interest. There are various periodic options available when you invest in fixed deposits. You can choose ,,from monthly, quarterly, half-yearly and yearly interest options.

Availability of online tools

Companies such as Bondsindia provide you with online tools like the online FD calculator if you don’t know how to calculate fixed deposit interest. It is very convenient these days to know how much interest your fixed deposit will give you at the end of maturity. And you can even invest through the online application process. Once you apply through the online application process one of the representatives from the company will get in touch with you.

Loan on fixed deposit

You don’t have to worry about withdrawing your investment during an emergency, which is of great concern to most investors while investing in a fixed a deposit. The benefit of fixed deposit is that if you invest in fixed deposit you can avail a loan of 75% of FD value.

High FD interest rates for senior citizens
Almost all financiers give priority to senior citizens. Higher FD interest rates for senior citizens along with the option of availing periodic interest payouts make FD a preferred investment option for those looking to secure their post-retirement life.

Multi deposit facility

Bondsindia multi-depositulti deposit facility which you can choose while filling your FD application form. You can choose to pay for multiple deposits through a single cheque payment. You can choose different payment frequencies for your difThist FDs. Which means you can withdrawFDsne of the FD, before maturity while keeping all the other deposits safe.


Company FDs with a good credit rating by agencies such as ICRA and CRISIL ensure that your money is in safe hands and you will get the amount due to you upon maturity. Bondsindia , has one of the highest ratings in the industry given to any fixed deposit investment. Thus, you are assured of guaranteed returns even when the economic condition is very volatile.

As the economy is going through a tough phase in 2020 and the stock markets have been extremely volatile, investors must park some portion of their funds towards fixed income investments such as a fixed deposit. Experts have indicated that there is a strong likelihood of the global economy going into recession. In such a scenario, it will be helpful to have an investment avenue that offers you the benefit of periodic payouts along with high-interest earnings. A fixed deposit investment meets all these criteria.