Fixed Deposit
A Fixed Deposit (FD) is one of the safest and most reliable investment options that offers guaranteed returns with zero market risk. Whether you are looking for stable income, capital protection, or tax-saving benefits, an FD helps you grow your wealth securely. We assist you in selecting the best FD options with high interest rates, flexible tenures, and easy liquidity to meet your financial needs.
Features & Benefits of Fixed Deposits
✔ Guaranteed Returns: Earn a fixed interest rate throughout the deposit period.
✔ Flexible Tenure: Choose from 7 days to 10 years as per your needs.
✔ Higher Interest Rates: Get better returns than savings accounts.
✔ Tax-Saving FD: Save up to ₹1.5 lakh in taxes under Section 80C.
✔ Loan Against FD: Avail loans up to 90% of your deposit amount.
✔ Senior Citizen Benefits: Higher interest rates for senior citizens.
Why Choose a Fixed Deposit?
✅ Zero Market Risk: Your capital remains safe with fixed returns.
✅ Flexible Payout Options: Choose between monthly, quarterly, or annual interest payouts.
✅ Compounding Growth: Opt for reinvestment FD to maximize returns.
✅ Easy Premature Withdrawal: Liquidity available in case of emergencies.
✅ Higher Returns for Senior Citizens: Additional 0.50% interest on FD rates.
Types of Fixed Deposits We Offer
🔹 Regular Fixed Deposit – Ideal for risk-free, stable income.
🔹 Tax-Saving FD – Lock-in period of 5 years, tax benefits under Section 80C.
🔹 Cumulative FD – Interest is reinvested for compounded growth.
🔹 Non-Cumulative FD – Monthly/quarterly/annual interest payouts.
🔹 Senior Citizen FD – Higher interest rates for investors aged 60+.
🔹 NRE/NRO FD – Fixed deposit options for NRIs with repatriation benefits.
Eligibility Criteria
✅ Individuals & Senior Citizens (18+ years).
✅ Hindu Undivided Families (HUFs)
✅ Companies, Trusts, and Societies
✅ NRIs & PIOs (For NRE/NRO Fixed Deposits)
Documents Required
📌 KYC Documents: Aadhaar Card, PAN Card.
📌 Bank Account Details: Canceled cheque for linking FD account.
📌 Address Proof: Utility bill, passport, or voter ID.
Why Choose Roy Consultancy?
✅ Compare Top Bank & NBFC FD Rates – Get the highest returns available.
✅ Hassle-Free Process – Quick online & offline FD bookings.
✅ Expert Guidance – Personalized investment planning.
✅ Secure & Reliable Investment – No market risks, 100% capital protection.
✅ Loan Against FD Assistance – Get easy liquidity when needed.
Looking for trusted business solutions? Whether it’s consultancy, taxation, loans, insurance, or investments, our experts are here to guide you every step of the way.
✅ Customized Financial Solutions
✅ Seamless Business Compliance & Transparent Process
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