FDs & Bonds

Welcome to the world of fixed Returns

Understanding FDs & Bonds

Fixed Deposits (FDs) and Bonds are popular investment options for individuals looking to grow their wealth while maintaining a certain level of safety. These financial instruments play a crucial role in the world of personal finance, offering investors a stable avenue for capital appreciation.

Key Features of FDs:

Fixed Tenure: FDs come with a fixed maturity period, ranging from a few months to several years. During this tenure, the investor cannot withdraw the principal amount without incurring penalties.

Fixed Interest Rates: The interest rates for FDs are predetermined and remain fixed throughout the tenure. This provides investors with predictability in terms of returns.

Safety: FDs are considered a safe investment option as they are typically backed by government guarantees or insurance up to a certain limit. This makes them a preferred choice for risk-averse investors.

Liquidity: While FDs have a fixed tenure, some flexibility is provided through premature withdrawal options. However, withdrawing before maturity often results in a reduced interest rate.

Choosing Between FDs and Bonds:

The decision to invest in FDs or bonds depends on various factors, including risk tolerance, investment goals, and market conditions. Investors seeking safety and predictable returns may prefer FDs, while those looking for a blend of safety and potential for higher returns might explore bonds.

FD RATES & DURATION

S.no Name of Instrument ROI Tenure
1. RBI BONDS 8.05% 7-Year
2. PNB HOUSING 7.7% 47 Months
3. BAJAJ FINANCE 8.35% 44 Months
4. MAHINDRA FINANCE 8.57% 42 Months
5. HDFC DEPOSITS 7.7% 35 Months
6. LIC HOUSING FIN. 7.75% 60 Months

FOR SENIOR CITIZEN 0.25% EXTRA IN FDR ONLY

0.10% EXTRA FOR BAJAJ ALLIANZ POLICYHOLDERS IN BAJAJ FINANCE

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