Invest in FDs from
Small Finance Banks
& NBFCs
Options*
Book High-Interest
Fixed Deposits
Suryoday SF Bank
Returns upto8.50% p.a.Unity SF Bank
Returns upto8.50% p.a.Utkarsh SF Bank
Returns upto8.25% p.a.Shivalik SF bank
Returns upto8.25% p.a.Shriram Finance
Returns upto8.05% p.a.DCB Bank
Returns upto8.00% p.a.AU Small Finance Bank
Returns upto7.90% p.a.Bajaj Finance
Returns upto7.75% p.a.South Indian Bank
Returns upto7.30% p.a.
What are Fixed Deposits?
A Fixed Deposit (FD) is a low-risk option where you deposit a lump sum with a bank or NBFC for a set period, earning a fixed interest rate plus your principal at maturity. It offers certainty, letting you know your exact returns upfront. Unlike shares, corporate bonds involve lending money to a company, which repays the principal plus interest over a defined term.
A Fixed Deposit (FD) is a low-risk financial instrument where you deposit a lump sum amount with a bank or non-banking financial company (NBFC) for a tenure of your choice. In return, the issuer guarantees a fixed interest rate over the locked period, plus principal at maturity, protecting your capital from market volatility.
A fixed deposit investment provides certainty; you know your exact maturity amount and payouts from day one.
What makes our
FDs stand out?
Guaranteed Payouts
Flexible Payout Options
Higher Yields via Corporate FDs
Senior Citizen Benefits
Tailored Tenures
How an FD Works: An
Example?
Imagine investing ₹1,00,000 for a 3-year tenure
Note: Example uses cumulative compounding for illustrative purposes. Higher corporate fixed deposit rates significantly boost overall compounding gains over identical tenures.
FD Interest Rate Comparison
(Tenure-Based)
| Issuer Name | 1 Year | 2 Years | 3 Years | 5 Years |
|---|---|---|---|---|
Suryoday SF Bank | 7.25% | NA | NA | 8.25% |
Unity SF Bank | 7.50% | NA | 6.75% | 6.75% |
Utkarsh SF Bank | 6.00% | 7.50% | 7.50% | 7.00% |
Shivalik SF bank | 6.00% | NA | 7.50% | 6.25% |
Shriram Finance | 6.85% | 7.10% | 7.50% | 7.50% |
DCB Bank | 6.90% | 7.50% | NA | 7.50% |
AU Small Finance Bank | NA | NA | NA | 6.75% |
Bajaj Finance | NA | 6.85% | 7.40% | 7.40% |
South Indian Bank | 6.25% | NA | NA | NA |
*Senior citizens get a benefit of 0.5% higher returns across banks and durations.
*Interest rates displayed are the highest option available under fixed deposits for the Individual Category subject to terms offered by the respective Issuers. Interest rates may vary subject to Deposit / Investment Amount. Please refer to issuer-specific Interest Rate Tables for further details. (Note: All Issuers may / may not offer additional benefits)
*Few of the FD Issuers are powered by Upswing
*Interest rates displayed for the Issuers are sourced from the respective issuer websites as of July'26.
Why Invest in FDs?
Small finance bank and NBFC FDs are ideal for
Capital Protection
Safeguard your hard-earned principal while generating steady, inflation-aware passive income
Regular Cash Flow
Opt for receiving FD interest rates per month to cover recurring living expenses effortlessly
Diversification Anchor
Balance high-risk asset classes like equity or crypto with stable debt allocations
Liquidity & Premature Options
Access loan-against-FD facilities or premature withdrawal options during emergencies
How to Open an FD Online
Register and Complete Your KYC
Explore & Select Your Investment
Transfer Funds Securely
Complete Video KYC with the Issuer and Begin Earning
Once verified, your FD account will be opened effectively from the date of payment.
Note: Please keep your original hard copy of PAN card ready. Show both your face and the card clearly to the verifying agent.
Why Choose Us?Why Choose Jiraaf for Your Fixed Deposits?
Curated High-Yield Issuers
Access exclusive corporate FDs offering attractive yields superior to traditional fixed deposit interest rates in India
Rigorous Credit Assessment
Every issuing entity undergoes stringent financial evaluation to ensure capital security
100% Paperless Onboarding
Effortlessly open FD accounts online within minutes without physical paperwork
Unified Dashboard
Track interest payouts, maturity dates, and other details seamlessly in one place
FAQs
A fixed deposit is a financial instrument where you invest a fixed sum for a specific tenure at a pre-agreed interest rate. The issuing bank or NBFC guarantees your principal and pays interest at regular intervals or at maturity. Unlike equities, a fixed deposit investment is immune to market volatility. You receive predictable fixed rate returns, making it ideal for low-risk capital growth. When you open an FD online, you simply choose your tenure, deposit the principal, select payout preferences, and let your savings grow continuously until maturity.
An FD is ideal if you prioritize principal protection, steady returns, and liquidity. It anchors your portfolio against stock market swings, ensuring guaranteed income regardless of market downturns. Whether you are building an emergency fund, planning a short-term goal, or securing post-retirement cash flow using senior citizen FD rates, allocating funds to FDs ensures stability. If you want risk-free earnings higher than regular savings accounts, balancing your investments with top-rated bank FD interest rates or high-yielding corporate FD rates is a smart asset allocation move.
Fixed Deposits come in several variations tailored to different needs. Cumulative FDs reinvest your earned interest so it compounds until maturity, maximizing total returns. Non-Cumulative FDs pay out interest at regular intervals—monthly, quarterly, or annually—providing steady cash flow. Tax-Saving FDs offer tax deductions under Section 80C but come with a mandatory 5-year lock-in. Additionally, investors can choose between traditional bank options and corporate fixed deposit rates offered by reputed NBFCs and companies, which typically provide higher yields than standard commercial bank FDs.
Fixed Deposit tenures are highly flexible, ranging from a minimum of 7 days up to a maximum of 10 years. Short-term FDs (7 days to 12 months) suit quick liquidity needs, while medium-to-long-term FDs (1 to 10 years) help lock in favorable yields for extended periods. Corporate FDs usually offer tenures between 12 months and 60 months. Choosing the right tenure depends on your financial goals, liquidity requirements, and current fixed deposit interest rates in India, allowing you to ladder your deposits effectively for continuous cash flow.