FD & Bonds

Fixed Deposit aka term deposit is an instrument by which one can deposit his/her savings for a prescribed period of time with a bank. When the period of deposit elapses, the depositor is entitled to the interest on the deposited amount. In some cases, the rate of interest on fixed deposits can be as high as 9.5%!



How to do it?

All you got to do is deposit your savings in a bank account of your preference and watch your money grow over time. Do remember to check with multiple sources regarding the various options available. There are a wide range of fixed deposit products available to suit a wide range of investor preferences. So choose the one that matches closely with your investment goals.

The Bankers View:

For banks, fixed deposits (or term deposits) represent a loan arrangement. In simple terms, the money deposited through such investments shall earn a said amount as interest, as per the existing norms and guidelines as set by the banking regulatory authority. The rate of interest on your fixed deposit is determined by many factors such as the location of deposit, the duration for which the amount is deposited as also the currency involved for making the deposit.

The Investors Take:

For starters, a fixed deposit is not a normal deposit that you do at your bank and then withdraw it as and when you please. But, it is a deposit that cannot be withdrawn in the specified period. Generally, these types of deposits are made for duration of 5 years. During this time, the amount remains in your bank account and is prohibited to be withdrawn for any reason whatsoever. Non-profit organizations, corporate entities and individuals alike, who wish to keep aside a stipulated sum for a particular period of time, most often than not, find that such deposits are the easiest way in attaining their objective. The icing on the cake is their money will earn a rate of interest that is shielded by any fluctuations in the interest rates that governs other type of investments. Such deposits are a good (if not the best) way to gain a return on investment which is a tad higher than a conventional savings account.

Trust Deposits:
Deposits that are made "in the name of one person, as trustee for another" are branded as "trust deposits."

Trust deposits are made for three basic reasons:

1) Pose for the disposition of a domain after demise sans the use of a will or administration,
2) Hide from others info of financial standing, or
3) Escalate deposits where a prescribed limit is set upon single deposits.

Lastly, fixed deposits offer investors a relatively safe avenue for parking their funds, albeit at the risk of earning a slightly lower return on investment. At the end of the day, it is up-to the individual investor to decide for themselves whether they wish to pursue a high return-high risk approach or a relatively lower but largely safe investment approach.


Types of Companies offering Fixed Deposits

  •  Financial Institutions
  •  Non-Banking Finance Companies (NBFCs).
  •  Manufacturing Companies
  •  Housing Finance Companies
  •  Government Companies


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:

  • 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, youll 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.
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In the last five consecutive sessions of losses, investors have become poorer by Rs 6.31 lakh crore.
Thu, 27 Feb 2020 16:43:17 +0530


Nifty formed a Bearish candle on the daily charts. It slipped below its 200-DMA placed at 11,684 on daily charts.
Wed, 26 Feb 2020 16:20:27 +0530


Market is likely to remain volatile ahead of February FO expiry as well as December quarter GDP data, experts said.
Tue, 25 Feb 2020 16:27:05 +0530


SP BSE Sensex closed 806 points lower at 40,363 while the Nifty50 ended with losses of 251 points to close at 11,829 on Monday.
Mon, 24 Feb 2020 16:50:38 +0530


The BSE Midcap and Smallcap has outperformed the benchmark indices with a gain of 0.40 percent and 0.51 percent, respectively.
Fri, 21 Feb 2020 07:20:13 +0530


Momentum on the upside shall pick up on a strong close above 12150 levels, suggest experts.
Thu, 20 Feb 2020 16:25:24 +0530


Traders can make use of dip to create fresh longs with a stop below 12030 levels on a closing basis and look for an initial target of 12178.
Wed, 19 Feb 2020 16:52:19 +0530


Nifty formed a bearish candle which looked like a ‘Hammer’ kind of pattern.
Tue, 18 Feb 2020 16:28:55 +0530


After witnessing a positive opening, the market benchmarks slipped in the negative soon and traded in the red for the most part of the session, eventually settling with losses.
Mon, 17 Feb 2020 16:35:39 +0530


FPIs sold shares worth Rs 704.92 crore, while DIIs bought shares of worth Rs 219.54 crore in the Indian equity market on February 14, provisional data available on the NSE showed.
Mon, 17 Feb 2020 07:39:31 +0530


The apex court#39;s stance weighed on financial stocks also because of their exposure to the sector.
Fri, 14 Feb 2020 17:03:13 +0530


Intraday traders can consider long position if Nifty sustains above 12232 levels.
Thu, 13 Feb 2020 16:38:09 +0530


If the index closes below 12,144 then a fresh leg of downswing shall unfold with initial targets of 11,990.
Wed, 12 Feb 2020 16:32:04 +0530


Traders are advised to wait for at least a strong close above 12138 levels before initiating fresh longs.
Tue, 11 Feb 2020 16:26:13 +0530


Positional traders are advised to create fresh shorts on a breach of 11950 levels on a closing basis and look for a target of 11770.
Mon, 10 Feb 2020 16:39:28 +0530


Geojit has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:53:13 +0530


Ajcon Global has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:53:11 +0530


Arihant Capital has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:53:05 +0530


Hem Securities has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:53:03 +0530


LKP Research has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:53:01 +0530


SPA Securities has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:52:59 +0530


Mehta Equities has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:52:57 +0530


Angel Broking has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 27, 2020
Thu, 27 Feb 2020 16:52:55 +0530


YES Securities has come out with its report on SBI Cards. The research firm has recommended to "Subscribe#39;#39; the IPO in its research report as on February 26, 2020
Wed, 26 Feb 2020 11:19:07 +0530


The issue will close on March 6. Company proposed to utilise the net fresh issue proceeds towards reduction of the aggregate outstanding borrowings.
Mon, 24 Feb 2020 12:33:40 +0530


The company plans to issue new shares worth Rs 5 billion and will offer up to 130.5 million shares for sale, the prospectus, dated February 18, showed.
Thu, 20 Feb 2020 11:45:03 +0530


A report noted that SBI is likely to raise Rs 2,780-2,880 crore with this IPO.
Tue, 18 Feb 2020 17:57:19 +0530


The offer for sale includes up to 3,72,93,371 equity shares by SBI and up to 9,32,33,427 equity shares by CA Rover Holdings.
Tue, 11 Feb 2020 16:26:03 +0530


The Rs 1,400-crore public issue was subscribed 62 percent despite extending the subscription period twice since its opening, and reducing the price band to Rs 71-77, down from Rs 72-77 earlier.
Wed, 05 Feb 2020 18:12:49 +0530


After the issue, government shareholding in the company will reduce to 74.96 percent from 90 percent.
Mon, 03 Feb 2020 19:46:22 +0530


SEBI#39;s latest move now allows investors to come to exchanges directly, just as they could go to the MFU entirely on their own.
Wed, 26 Feb 2020 22:02:13 +0530


Thanks to popularity of SIPs, individual investors now hold a higher share of MF assets at around 53 percent of total AUM as of December-end
Tue, 11 Feb 2020 18:32:22 +0530


NULL
Wed, 22 Jan 2020 09:31:05 +0530


However, the pace of growth in folio numbers dropped in 2019 as compared to preceding three years. Industry experts attributed the trend to decline in investors account in debt oriented schemes as they were spooked by credit events in fixed income market.
Tue, 21 Jan 2020 15:14:07 +0530

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