A Fixed Deposit That’ll Shield You from Uncertainties
You don’t need a crystal ball khổng lồ stay ready for the future. All it takes is a click on digibank .Bạn đã xem : Fixed deposit là gì
Set Up a Fixed Deposit Before Life Hands You Lemons
No matter what plot twists life springs up, you’re empowered to lớn overcome it calmer, smarter, better prepared. Your fixed deposit will act as a contingency fund i. E. A fund created lớn tackle emergencies và unforeseen developments, and should be equal to lớn 3 khổng lồ 6 months ’ worth of your expenses .
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Why Are digibank FDs the Best Contingency Funds?
Risk-Free : Your fixed deposit remains safe và unaffected by volatile markets .Assured Returns : Liquidate your fixed deposit instantly right when you need it. T&C apply .You can effortlessly mix digibank FDs for situations lượt thích :
digibank Quickies: Why fixed deposit as contingency fund with digibank is a must have?
Here’s Your Umbrella for Rainy Days
Setting up a contingency fund is one of the first and most important steps you take towards financial freedom. Digibank does it all for you, so that whenever the going gets tough, you’re unstoppable .
Convenient
Manage your digibank FD – amount, tenure, địa chỉ cửa hàng / change nominee, maturity instructions, termination, etc. All from your phone .
Customisable
Open digibank FDs starting from ₹ 5000. Decide your own amount, choose your own tenure .
Insured digibank FDs
Your deposits are insured by DICGC for up khổng lồ ₹ 5,00,000 ( 5 lakh rupees ) .Open digibank FD
digibank quickies- How to lớn start a fixed deposit contingency fund instantly with digibank?
Never Run Out of Options
Take Your Pick :
Fixed Deposit
A lumpsum amount invested in one go .
Ideal if you’re looking to:
Save for unexpected rainy days.Ideal to lớn curb your spendthrift tendencies and save for emergencies instead.Earn a fixed interest rate.
Recurring Deposit
Save for unexpected rainy days. Ideal lớn curb your spendthrift tendencies và save for emergencies instead. Earn a fixed interest rate .Smaller sums of money invested over a period of time to lớn meet a specific goal .
Ideal if you’re looking to:
Save lớn spend on a new gadget, travels or other goals.Ideal lớn meet all your purchase goals without breaking your budget.Enjoy interest rate similar to lớn fixed deposit.Save to lớn spend on a new gadget, travels or other goals. Ideal to lớn meet all your purchase goals without breaking your budget. Enjoy interest rate similar to lớn fixed deposit .Learn more about Recurring Deposit
Think That’s All? There’s More Where That Came From!
Whether it’s smarter savings, better investments, easy personal loans, international fund transfers – your digibank is designed to lớn help you live better. It’s so easy, it feels lượt thích magic !
Personal Loan
Fast-track your life with instant paperless digibank personal loans of up to Rs. 15 Lakhs .
Recurring Deposit
Make goal-oriented savings effortlessly at a higher interest rate !
Remittance
Keep love và life undelayed with instant international transfers at no extra cost .
Insurance
Through thick và thin, we’ve got you covered with health insurance plans for the family, automobile insurance & travel insurance .
Investment
You don’t need to be a finance guru to lớn make smart investment choices. You’ve got digibank to lớn help you become your own expert .
Frequently Asked Questions
What is a fixed deposit?
A fixed deposit (FD) is an investment instrument that allows you to invest a lump-sum amount for a chosen tenure to earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings account.
What is a fixed deposit?
A fixed deposit ( FD ) is an investment instrument that allows you lớn invest a lump-sum amount for a chosen tenure lớn earn interest at a fixed rate. You get a higher interest rate on a fixed deposit than on a regular savings trương mục .
What is a recurring deposit?
RD or recurring deposit is a type of deposit that enables you to lớn invest smaller amounts at regular intervals while giving you interest similar to lớn a fixed deposit .
What is a recurring deposit?
RD or recurring deposit is a type of deposit that enables you khổng lồ invest smaller amounts at regular intervals while giving you interest similar khổng lồ a fixed deposit .
Is there a minimum amount or tenure for a term deposit?
The minimum amount for a fixed deposit is Rs. 5,000 while it’s Rs. 500 for a recurring deposit. The tenure can range from a few days khổng lồ five years. You can choose to lớn invest the RD amount on a daily, weekly, monthly or quarterly basis .
Is there a minimum amount or tenure for a term deposit?
The minimum amount for a fixed deposit is Rs. 5,000 while it’s Rs. 500 for a recurring deposit. The tenure can range from a few days to lớn five years. You can choose lớn invest the RD amount on a daily, weekly, monthly or quarterly basis .
What interest rates does digibank offer on term deposits?
To know more about the interest rates on term deposits, please tải về our digibank app, or visit the ibanking website .
What interest rates does digibank offer on term deposits?
To know more about the interest rates on term deposits, please cài về our digibank app, or visit the ibanking trang web .
If I reinvest my term deposit at the over of the tenure, will the interest rate stay the same?
No. The current interest rate at the time of the creation of the new deposit will apply .
If I reinvest my term deposit at the over of the tenure, will the interest rate stay the same?
No. The current interest rate at the time of the creation of the new deposit will apply .
Can I encash my deposit before the maturity date?
Yes, you can terminate a deposit at any time, but there are penalties for the early closure. Use the ” Manage ” tab in the ” Term Deposits ” section of the digibank phầm mềm to know more .
Can I encash my deposit before the maturity date?
Are my deposits insured?
Yes. Your deposits are insured by the Deposit Insurance and Credit Guarantee Corporation ( DICGC ), a subsidiary of the Reserve ngân hàng of India ( RBI ), for up to ₹ 5,00,000 ( 5 lakh rupees ) .
Are my deposits insured?
Yes. Your deposits are insured by the Deposit Insurance và Credit Guarantee Corporation ( DICGC ), a subsidiary of the Reserve ngân hàng of India ( RBI ), for up to ₹ 5,00,000 ( 5 lakh rupees ) .
What happens when my deposit matures?
When your deposit matures, you have the option of reinvesting the balance in a new deposit, transferring the money into your digiSavings account, or only transferring the interest khổng lồ your account & reinvesting the original investment in a new term deposit .
What happens when my deposit matures?
When your deposit matures, you have the option of reinvesting the balance in a new deposit, transferring the money into your digiSavings account, or only transferring the interest to your account and reinvesting the original investment in a new term deposit .
How can I set up a recurring deposit?
Setting up an RD is an easy & hassle-free process. You can bởi vì so via the digibank phầm mềm on your điện thoại or visit the digibank ibanking website, log in và select ” Deposits ( FD / RD ) ” in the navigation menu. Post that, click on ” open new deposit ” và follow the instructions as shown on the website. You have the choice of setting up the frequency of the pay-out, the total amount, and the duration for which you want to lớn have the deposit. In just a few minutes, you can mở cửa a deposit with nayaritas.net ngân hàng and maximise your savings !
How can I set up a recurring deposit?
Setting up an RD is an easy and hassle-free process. You can bởi vì so via the digibank tiện ích on your điện thoại cảm ứng thông minh or visit the digibank ibanking website, log in và select ” Deposits ( FD / RD ) ” in the navigation menu. Post that, click on ” mở cửa new deposit ” and follow the instructions as shown on the website. You have the choice of setting up the frequency of the pay-out, the total amount, & the duration for which you want to have the deposit. In just a few minutes, you can xuất hiện a deposit with nayaritas.net ngân hàng and maximise your savings !
Will my deposit be automatically reinvested on maturity?
It will be automatically reinvested only if your instructions while opening the deposit mention reinvesting the amount on maturity. You can edit your settings in the ” Deposits ( FD / RD ) ” section of the digibank app., select the deposit you want lớn view or change và then click on the ” Manage ” tab .
Will my deposit be automatically reinvested on maturity?
It will be automatically reinvested only if your instructions while opening the deposit mention reinvesting the amount on maturity. You can edit your settings in the ” Deposits ( FD / RD ) ” section of the digibank app., select the deposit you want to lớn view or change & then click on the ” Manage ” tab .
Is there a cut-off date when I can no longer change the maturity instructions for my deposit?
No. You can change the maturity instructions at any time during the tenure by visiting the ” Manage ” tab in the ” Deposits ( FD / RD ) ” section of the digibank tiện ích .
Is there a cut-off date when I can no longer change the maturity instructions for my deposit?
No. You can change the maturity instructions at any time during the tenure by visiting the ” Manage ” tab in the ” Deposits ( FD / RD ) ” section of the digibank ứng dụng .
What if my digiSavings account has insufficient funds for my recurring deposit payment?
In case your digiSavings tài khoản has insufficient funds, và we ” re unable to lớn debit the payment, your term deposit will continue, but the amount & interest you receive at maturity will be adjusted based on the missed payments. Fees may also be payable .
What if my digiSavings tài khoản has insufficient funds for my recurring deposit payment?
In case your digiSavings tài khoản has insufficient funds, và we ” re unable to debit the payment, your term deposit will continue, but the amount and interest you receive at maturity will be adjusted based on the missed payments. Fees may also be payable .
If I choose lớn reinvest my deposit on maturity, will I be notified when it is reinvested?
Before maturity, you will receive notifications by a combination of SMS, e-mail and in-app messages. If you choose lớn reinvest upon maturity then, we will vày so và notify you about it once it is done.
If I choose khổng lồ reinvest my deposit on maturity, will I be notified when it is reinvested?
Before maturity, you will receive notifications by a combination of SMS, thư điện tử and in-app messages. If you choose to reinvest upon maturity then, we will do so and notify you about it once it is done.
Is there a charge for insuring my deposits with digibank?
Before maturity, you will receive notifications by a combination of SMS, email and in-app messages. If you choose to lớn reinvest upon maturity then, we will do so and notify you about it once it is done. Before maturity, you will receive notifications by a combination of SMS, thư điện tử and in-app messages. If you choose khổng lồ reinvest upon maturity then, we will do so và notify you about it once it is done .No, we do not charge you for opening a fixed deposit with us. The ngân hàng covers the applicable cost .
Is there a charge for insuring my deposits with digibank?
No, we do not charge you for opening a fixed deposit with us. The ngân hàng covers the applicable cost .
Can I change the amount and frequency of my recurring deposit?
No. Once the RD has been created, changing the payment amount or the frequency is not possible .
Can I change the amount & frequency of my recurring deposit?
No. Once the RD has been created, changing the payment amount or the frequency is not possible .
How many deposits can I hold at the same time?
You can xuất hiện as many fixed deposit accounts as you wish. There is no limit.
How many deposits can I hold at the same time?
You can mở cửa as many fixed deposit accounts as you wish. There is no limit.
What if my deposit matures on a weekend or public holiday?
You can mở cửa as many fixed deposit accounts as you wish. There is no limit. You can mở cửa as many fixed deposit accounts as you wish. There is no limit .In case your term deposit matures on a weekend or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue lớn earn interest for the extra days .
What if my deposit matures on a weekend or public holiday?
In case your term deposit matures on a weekend or a public holiday, the maturity will automatically happen on the next working day. However, the deposit will continue khổng lồ earn interest for the extra days .
When will interest be paid on my deposit?
The Interest on your fixed deposit is credited lớn your account on maturity or premature termination. But an early termination may result in an interest rate lower than the current rate .
When will interest be paid on my deposit?
The Interest on your fixed deposit is credited to lớn your tài khoản on maturity or premature termination. But an early termination may result in an interest rate lower than the current rate .
Can I see how much interest has been earned on my deposit?
To find out how much interest you’ve earned on your FD or RD, visit ” Deposits ( FD / RD ) ” section of the digibank ứng dụng .
Can I see how much interest has been earned on my deposit?
To find out how much interest you’ve earned on your FD or RD, visit ” Deposits ( FD / RD ) ” section of the digibank phầm mềm .
What are the requirements for opening a digibank term deposit?
If you have a digiSavings account, you can easily mở cửa a term deposit. For a fixed deposit, the minimum amount you need khổng lồ invest is Rs. 5,000, and for a recurring deposit it is Rs. 100 .
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What are the requirements for opening a digibank term deposit?
If you have a digiSavings account, you can easily open a term deposit. For a fixed deposit, the minimum amount you need khổng lồ invest is Rs. 5,000, & for a recurring deposit it is Rs. 100 .