M S M A R T

Secure Your Future with Fixed Deposit Solutions

Enhance your financial stability with our Fixed Deposit services—designed to provide safety, consistent growth, and peace of mind in your investment journey.

Our Fixed Deposit Approach

We prioritize security while delivering competitive returns, offering a dependable foundation to safeguard and grow your savings in a risk-free environment.

Why Choose Fixed Deposits?

Ensuring Stability While Growing Wealth

Fixed Deposits provide a reliable means to grow your savings with assured returns and minimal risk. They offer financial security while maintaining liquidity to meet your future needs.

Maximize Your Savings with M smart

Take the first step toward a secure financial future. Our experts are ready to guide you through tailored Fixed Deposit solutions that align with your investment objectives—ensuring both growth and financial peace of mind.

Our Process

A Strategic Approach to Fixed Deposits

01

Financial Assessment & Goal Alignment

We begin with a comprehensive evaluation of your financial position and objectives. This ensures that Fixed Deposits align seamlessly with both your short-term liquidity requirements and long-term financial aspirations.

02

Tailored Investment Strategy

Based on your financial goals, we design a personalized investment strategy, selecting the optimal tenure and interest payout structure to maximize returns, liquidity, and tax efficiency.

03

Seamless Execution & Setup

Once your strategy is defined, we manage the entire setup process—ensuring your funds are placed with reputable financial institutions offering the best terms and highest security.

04

Continuous Monitoring & Reassessment

We actively monitor economic trends and market conditions, making necessary adjustments to your Fixed Deposit portfolio to keep your financial plan on track.

05

Transparent & Proactive Communication

You will receive regular updates on your Fixed Deposit performance, along with insights into market changes that may impact your investments.

  • Minimum tenure: 7 days
  • Maximum tenure: 10 years (varies by bank)

Yes, but you may have to pay a premature withdrawal penalty, which varies by bank. Some banks offer no-penalty FDs with lower interest rates.

Yes, FD interest is taxable as per your income tax slab. If interest exceeds ₹40,000 (₹50,000 for senior citizens) in a year, TDS (Tax Deducted at Source) of 10% is applied.

The FD amount is transferred to a savings account at a lower interest rate or automatically renewed based on bank policy.

Yes, banks offer loans up to 90% of your FD value at lower interest rates compared to personal loans.

A Corporate FD is issued by Non-Banking Financial Companies (NBFCs) or corporates and often provides higher interest rates than bank FDs. However, they carry higher risk as they are not insured like bank FDs.

Bank FDs are insured up to ₹5 lakh per depositor per bank by DICGC (Deposit Insurance and Credit Guarantee Corporation). Any amount beyond this is at risk.

Start Your Fixed Deposits Journey Today

Take the first step towards stable and assured growth with our Fixed Deposit solutions. Our team is here to guide you through personalized investment options that offer security and attractive returns

Get in Touch Today to explore the best FD plans tailored to your needs!

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