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Fixed Deposit(FD)

Want to make risk free money, and don't have a clue where to start? Start with Adhiban's Fixed Deposit Scheme.

Fixed Deposit is same as any other savings account scheme, with a higher interest rate of interest on the principal invested. The sole catch with Fixed Deposit is it's fixed tenure; meaning - the account holder cannot withdraw the principal invested until a specific period. Hence the name Fixed Deposit or FD.

Key Benefits

  • Minimum 6 months tenure
  • Maximum 60 months tenure
  • No Limit on Maximum Deposit Amount
  • Interest Rate for Women and senior citizens is 0.5% higher interest rate compared to others.
  • Premature Withdrawal is possible in the absence of penalty
  • Special Term Deposit is available
  • Partial Withdrawal can be obtained without penalty

Why Fixed Deposit?

'What is the Best investment plan?' If one asks banking experts, most times the inquirer will be directed towards Fixed Deposit (FD) investment scheme. Because it's one of the best investment plans. Read more to learn how it works.

How does it work?

If a Fixed Deposit (FD) account with a principal amount of Rs. 10,000 is invested for a 3 years tenure at the interest rate of 11%, Rs. 13,847.84 will be the matured amount when the account nears the closure, with a quarterly compound interest Rs. 3847.84 added to the principal amount Rs. 10,000. The matured amount then will be transferred into the depositor's savings account.

The interest rate of the Fixed Deposit (FD) is higher than any other savings accounts. If one can get an interest rate of 4-7 per cent in a regular savings account, the same person will be able to get 11-12.50 per cent in a Fixed Deposit (FD) investing scheme.

Don't get puzzled with all calculations. Adhiban has an FD calculator of its own. Beginning Investors use the calculator all the time to calculate interest returns.

Special Term Deposit Receipt (STDR) and Term Deposit Receipt (TDR)

To understand the Special Term Deposit Receipt in Fixed Deposit (FD), it is crucial to know what Term Deposit Account is.

A Term Deposit Receipt (TDR) is nothing different from a Fixed Deposit (FD) Account. It returns the compounded interest to the account holder at a regular interval (monthly, quarterly, half-yearly and annual).

But, with a Special Term Deposit Receipt (STDR), the interest is paid only at the end of the tenure. The compound interest of every quarter year is reinvested into the account which influences the final compound interest positively.

In simple words, the Interest Rate of Special Term Deposit Receipt is comparatively higher than Term Deposit account (or) Fixed Deposit (FD) Account.

In more simple words, a Special Term Deposit Receipt returns higher interest rates.

Recurring Deposit

If one cannot invest the entire amount in a single streach , then Recurring Deposit Scheme is the best way to invest. Here, the investor or the depositor don't need to pay a bulk principal upfront. Instead, monthly installment will be availed to the account holder. Recurring Deposit investors can pay in frequency every month. The payment occurs repeatedly over a period of time. Hence Recurring Deposit or (RD).

Recurring Deposit (RD) investment schemes incorporate a saving habit in people.

If a Fixed Deposit (FD) Investor pays Rs. 10,000 as principal, Recurring Deposit (RD) investor pays an amount of Rs. 278 every month for three years, which makes it 36 instalments (3 years). Fixed Deposit (FD) Account Interest Rate is the same as Recurring Account.

The Tenure Period constraints for Recurring Deposit (RD) are the same as Fixed Deposit (FD). The Recurring Deposit (RD) account holder is advised to wait till the closure of tenure, same as FD, to utilise the luxury of a higher interest rate.

Recurring Deposit (RD) is best for new and young investors. A Recurring Deposit (RD) investor can choose from three different tenure plans according to their need.

  • A short term Recurring Deposit (RD) tenure ranges from 12-24 months.
  • A medium-term Recurring Deposit (RD) tenure ranges from 12-36 months.
  • A long term Recurring Deposit (RD) tenure ranges from 12-60 months.
  • Same applies for Fixed Deposit (FD) too.

What's Unique with Adhiban?

Adhiban provides 0.5 per cent higher interest rate than any other financial firm for Women and Senior Citizens. For Women and Elder investor's of Adhiban, Fixed and Recurring deposit (FD and RD) interest rate max at 12.5 per cent.

Adhiban provides Fixed Deposit (FD) with no penalty for Partial and Premature Withdrawal.

Minimum tenure of Recurring Deposit (RD) is 12 months, best for short term savings or short term investment with high returns. It also applies for long term investments as Recurring Deposit (RD) maximum tenure goes up to 60 months in Adhiban, and RD can also be extended further. Same applies to Fixed Deposit (FD).

We have our very own Calculator to estimate Fixed and Recurring Deposit (FD and RD) interest returns

Know the Jargons


Once the tenure of the Fixed Deposit (FD) account has completed, then it means the account has attained Maturity. A Matured account's funds will be transferred to a savings account of the account holder, with the principal amount, as well as the interest amount. Now the Amount will be available for instant access.

Premature Withdrawal

Withdrawal of Deposited amount from a Fixed Deposit (FD) account before the closure of tenure is termed as Premature Withdrawal. This is possible with Adhiban. It is generally penalized, but Adhiban doesn't charge any penalty from its customer for Premature Withdrawal or closure of a Fixed or Recurring Deposit (FD or RD) account. Though, Premature Withdrawal is only advised under an unavoidable circumstance.

Partial Withdrawal

Withdrawing a part or portion of Deposited amount from Fixed Deposit (FD) account during the tenure is termed as Partial Withdrawal. Same as Premature Withdrawal, Partial Withdrawal is generally penalized to an extent, but Adhiban doesn't charge any penalty from its customer for Partial Withdrawal of a Fixed Deposit or Recurring Deposit (FD or RD) account. Though, Premature Withdrawal is advised only under any unavoidable circumstance.

Fixed and Recurring Deposit Calculator

Use Adhiban Fixed and Recurring Deposit (FD and RD) Calculator to know exact interest returns of your investments. The calculator requires three variables to calculate. The principal investment rate, the period of tenure and interest rate. Our FD and RD interest returns calculator offers investors varied benefits.

Eases Investors

Adhiban Fixed and Recurring Deposit (FD and RD) Calculator is a tool built exclusively for the ease of our investors. Unlike any regular arithmetic calculator, Adhiban's FD and RD Calculator's distinct task is to estimate the interest rate of FD and RD.


FD calculator is fast, it makes investors spend very little time on trivial tasks. Helps them get work done efficiently.


To Err Is Human; Adhiban's calculator is unerring. While doing a manual calculation, accuracy is uncertain. Even if the users use an arithmetic calculator following different steps, there are chances for mistakes, but with FD and RD calculator, you can never make a mistake. Every formula is fed by our expert developers, that makes our Calculator error-free.


Adhiban's FD and RD calculator lets users choose from different options. We can estimate the exact Simple Interest, Quarterly, half-yearly and early annual compound interest, with less than three clicks.

Adhiban's calculator lets users calculate interest rates in different time units as such months, days and years. The calculator is also flexible with interest rates so that investors can compare interest returns of different firms.

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Frequently Asked Questions

What are the Minimum and Maximum deposit limit?

Minimum deposit amount for Fixed and Recurring deposit (FD and RD) scheme is Rs. 10,000. There is no maximum limit for both.

What are the Minimum and Maximum tenure period?

Minimum tenure period for both Fixed and Recurring deposit (FD and RD) schemes is 12 months. Maximum tenure period for both schemes is 60 months.

How to open a Recurring Deposit (RD) Account?

It is similar to applying for any savings account. Depositors can start by filling an online form with necessary details or can contact our customer care centre for detailed inquiry.

What are the documents necessary for opening a Fixed Deposit (FD) Account?

For opening a Fixed Deposit (FD) account, you are required to submit KYC (Know Your Customer) documents (identity proof and address proof). Same applies for Recurring Deposit (RD).

Is Premature Withdrawal available in Recurring Deposit (RD)? If yes, what is the penalty?

Yes. Premature Withdrawal of Recurring deposit (RD) account is available. Unlike other financial firms, Adhiban does not require its customers to pay any penalty. Applies to Fixed deposit too.

Is Partial Withdrawal available in Recurring Deposit (RD) too? If yes, Is there any penalty?

Yes. Partial Withdrawal of in Recurring deposit (RD) is available. Adhiban does not penalize customers with a fee for Partial Withdrawal. Same applies to FD.

Is an extension of tenure for Recurring Deposit (RD) possible?

Yes, an extension of tenure is possible for Recurring and Fixed Deposit. The extension can be availed via online or by contacting our customer support team

How long can we extend a tenure?

It varies. For Fixed Deposit (FD), an extension of tenure can be availed from 12 to 60 months and for Recurring Deposit (RD), the extension of tenure can be employed from 12 to 60 months.

Will interest rate be affected if an extension is availed for Recurring Deposit (RD)?

Yes, positively. Interest Rate will be increasing for better while extending the tenure of both Fixed and Recurring Deposit (FD and RD) up to 60 months (5 years)

Can I calculate interest return for both Fixed and Recurring deposits (FD and RD) by using Adhiban's calculator?

Yes. Adhiban provides a separate interest returns calculator for both Fixed and Recurring Deposit (FD and RD).

Does the calculator allow me to calculate interest return for different interest rates?

Yes. Adhiban's FD and RD Calculator allow its users to calculate interest return for varied interest rates.

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