About Fixed Deposits

Fixed Deposit (FD) is one of the most preferred investment options among conservative investors who seek fixed and predictable income. Also known as a Term Deposit, a Fixed Deposit is an investment where the interest rate is fixed for a predefined tenure, offering certainty and stability.

Fixed Deposits placed with companies are known as Company Fixed Deposits (Company FDs). These deposits are accepted by manufacturing companies, financial institutions, and non-banking finance companies (NBFCs). Company FDs are governed by the Companies Act, providing a regulated framework for investors.

Basic Information About Fixed Deposits

• Tenure of Company FDs can range from a few months to several years
• Multiple interest payout options are available monthly, quarterly, half-yearly, yearly, or cumulative
• Interest earned on Fixed Deposits is added to your income and taxed as per your applicable income tax slab
• If annual interest income exceeds ₹5,000, TDS is deducted by the issuing company
• To avoid TDS deduction (if eligible), Form 15G or Form 15H can be submitted to the company

Fixed Deposits are suitable for investors who prioritise capital safety and predictable cash flows over market-linked returns.

How Fixed Deposits Work

Booking a Fixed Deposit is a simple and fully online process, designed for convenience and speed.

Step 1: Choose the company and tenure for the Fixed Deposit
Step 2: Select the investor name ( Individual or joint holding )
Step 3: Enter the investment amount and complete the payment

Upon maturity, the maturity amount is credited directly to the registered bank account.

Who Should Consider Fixed Deposits

Fixed Deposits are ideal for investors who:
• Prefer low-risk investment options
• Need regular and predictable income
• Want stability in their portfolio
• Are planning short- to medium-term financial needs
• Wish to balance market-linked investments with safer instruments

Our Approach to Fixed Deposit Advisory

At SLD Finance, we help you select Fixed Deposit options that align with your income needs, tenure preferences, and overall financial plan. We focus on suitability, issuer credibility, and diversification ensuring Fixed Deposits play the right role within your broader portfolio.

Stability matters when used wisely.
We help you choose with clarity and confidence.