India's Most Trusted
Investment - FDs
with Returns
up to 9%*

Build a safe and steady future with our top FD rates – assured returns, easy terms, and trusted investment solutions.

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Secure Your future

Fixed Deposits are one of the safest ways to grow your savings with assured returns, zero market risk, and RBI-regulated security.

No Risk

No Risk Shield

Guaranteed
Returns

Guaranteed Returns

Flexibility

Flexibility Calendar and Money

Why FIKAA for Your FD?

Secure, Simple and Rewarding.

Safety and Security

Safety and Security

Your investment amount stays completely safe with zero market risk.

Guaranteed Returns

Guaranteed Returns

Enjoy fixed interest rates for predictable, steady growth.

Secure RBI-Regulated Banks

Secure RBI-Regulated Banks

Your deposits are protected with trusted, regulated institutions.

Paperless, 5-Minute Investment

Paperless, 5-Minute Investment

Open and manage your FDs anytime, anywhere — no paperwork needed.

Auto-Renew Options

Auto-Renew Options

Keep your money growing effortlessly with automatic renewals.

Your safety is
FIKAA’s #1 Priority

Every FIKAA FD comes with DICGC insurance, secured by the RBI

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FD Mobile App

The right time toinvest in FDs is now

Choose the FD that works best for you,
lock in attractive rates, and invest confidently with
our secure, end-to-end digital process.

Steps to Invest in Fixed Deposits

Sign Up & Complete KYC

Sign Up & Complete KYC

Create your FIKAA account and verify your details in minutes.

Choose FD Plan

Choose FD Plan

Select the FD option that best fits your goals and returns.

Enter Amount & Tenure

Enter Amount & Tenure

Decide how much you want to invest and for how long.

Make Payment

Make Payment

Pay securely through UPI, net banking or other easy options.

Get Instant Confirmation

Get Instant Confirmation

Receive your FD receipt instantly. Your money starts growing right away!

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Frequently Asked Questions

A fixed deposit (FD) is a financial instrument provided by banks or NBFCs that offers a higher rate of interest than a regular savings account, for a fixed tenure. It is considered a safer investment compared to stocks or mutual funds. Once invested, your money is locked in for a specific period—ranging from a few weeks to several years—during which you earn interest. At maturity, you receive the principal along with the accumulated interest.
If you invest ₹10 lakh in an FD with an interest rate of 7.85% (for investors below 60 years), you will earn approximately ₹78,500 in interest over one year. The total amount at maturity would be ₹10,78,500. For senior citizens, who may get a higher rate of 8.35%, the interest for one year on ₹10 lakh would be ₹83,500, making the total amount ₹10,83,500.
Yes, you can withdraw your FD before its maturity date; however, premature withdrawal usually involves a penalty such as a lower interest payout and/or penalty charges. Each bank has specific terms for early withdrawals, which you should check before investing.
If you don’t withdraw or renew your FD at maturity, many banks will auto-renew it for the same tenure at the prevailing interest rate. However, some may move it to a savings account at the applicable interest rate. Always check the terms before investing.
Yes, FIKAA provides information on special FD rates offered by partner banks for senior citizens, which are usually higher than regular rates.
Yes, during the FD booking process on FIKAA, you can conveniently add a nominee to ensure your investment benefits your chosen family member.