High Yield Guaranteed Deposits

Grow Your Savings with Up to 9.25% p.a.

Enjoy industry-leading interest rates on Fixed & Recurring Deposits with quarterly compounding, zero maintenance charges, and complete DICGC protection.

Guaranteed Monthly Pension

Post-Office Style Monthly Income Scheme (MIS)

8.60% p.a. (General) | 9.10% p.a. (Seniors)

Lumpsum investment with guaranteed monthly interest (pension) credited automatically on the 1st of every month.

Guaranteed monthly payout credited directly to your bank account

Earn ₹7,166/month on ₹10 Lakh deposit (Higher than Post Office MIS)

100% principal amount returned at the end of tenure

Premature withdrawal allowed after 1 year with minimal penalty

Senior Citizens receive additional +0.50% extra monthly income

DICGC Insured up to ₹5 Lakh

High Yield Fixed Deposit

Up to 8.75% p.a. (General) | 9.25% p.a. (Seniors)

Guaranteed high returns up to 8.75% p.a. with quarterly compounding and DICGC protection.

Additional 0.50% interest rate boost for Senior Citizens

Flexible interest payout: Monthly, Quarterly, or Re-investment (Cumulative)

Instant loan/overdraft up to 90% against your FD at 1% above FD rate

Premature withdrawal permitted with minimal penalty

Digital FD booking in 3 minutes with instant e-FD receipt

Auto-Debit Enabled

Disciplined Recurring Deposit (RD)

Up to 8.50% p.a.

Build substantial wealth through small monthly contributions from just ₹500/month.

Hassle-free automated monthly deduction from your savings account

Same high interest rates as Fixed Deposits

Partial premature closure flexibility

Standing instructions setup at zero cost

Ideal for saving towards wedding, vacations, education, or emergencies

Tax Benefit u/s 80C

Tax Saver Fixed Deposit (Sec 80C)

7.80% p.a.

Save up to ₹46,800 in Income Tax every year under Section 80C with 5-year lock-in.

Tax deduction benefit under Section 80C of the Income Tax Act

Guaranteed fixed returns for the entire 5-year tenure

Compounded quarterly for maximum wealth accumulation

Nomination facility available

Instant tax certificate download from Internet Banking

Calculate Your Fixed Deposit & RD Maturity

Toggle between one-time Fixed Deposit investment and monthly Recurring Deposit savings.

Post-Office Style Monthly Income Plan

Monthly Income Scheme (MIS) Calculator

Invest lumpsum once and get guaranteed monthly pension/income credited directly to your bank account

Guaranteed Monthly Income

₹3,583 / Month

Senior Citizen (60+ Years)?

Get additional +0.50% extra monthly pension payout

Lumpsum One-Time Investment

₹5,00,000

₹50,000₹15 Lakhs₹30 Lakhs

Select MIS Scheme TenureMIS Interest Rate: 8.60% p.a.

Post Office Slabs:

Applicable Rate:8.60% p.a.

Monthly Income Credited:₹3,583 / mo

Annual Guaranteed Return:₹43,000 / year

Total Payout (5 Years):+₹2,15,000

100% Principal Returned:₹5,00,000

Auto-Credit on 1st of Every Month

Enjoy monthly interest directly credited into your savings account with zero manual effort.

📊 Post-Office Style Investment vs Monthly Payout Chart

Instant monthly income comparison for common lumpsum deposit brackets

Rate: 8.60% p.a.

Lumpsum Deposit	Monthly Income (Pension)	Annual Interest	Total 5-Yr Income Payout
₹1,00,000	₹717 / month	₹8,600 / year	₹43,000
₹3,00,000	₹2,150 / month	₹25,800 / year	₹1,29,000
₹5,00,000	₹3,583 / month	₹43,000 / year	₹2,15,000
₹9,00,000	₹6,450 / month	₹77,400 / year	₹3,87,000
₹15,00,000	₹10,750 / month	₹1,29,000 / year	₹6,45,000

Official Domestic Fixed Deposit Interest Rates

Effective for Resident Retail Deposits < ₹3 Crores

🛡️ Compounded Quarterly • DICGC Insured

Deposit Tenure	General Public (% p.a.)	Senior Citizens 60+ (% p.a.)	Effective Annual Yield (Approx)
7 Days to 14 Days	4.25%	4.75%	4.41% p.a.
15 Days to 45 Days	4.75%	5.25%	4.93% p.a.
46 Days to 90 Days	5.50%	6.00%	5.71% p.a.
91 Days to 179 Days	6.25%	6.75%	6.49% p.a.
180 Days to 364 Days	7.00%	7.50%	7.27% p.a.
1 Year to 443 Days	8.25%	8.75%	8.56% p.a.
★444 Days (Special Festival Bucket)	8.75%	9.25%	9.08% p.a.
445 Days to < 2 Years	8.00%	8.50%	8.30% p.a.
2 Years to < 3 Years	8.10%	8.60%	8.41% p.a.
3 Years to < 5 Years	7.75%	8.25%	8.04% p.a.
★5 Years (Tax Saver 80C)	7.80%	8.30%	8.10% p.a.
5 Years 1 Day to 10 Years	7.25%	7.75%	7.53% p.a.