Bharat ka apna financial platform

Invest Your idle funds in Fixed Deposit

A fixed deposit is one of the most
popular investment options in India.

  • Easy withdrawal
  • Loan Against Deposit
  • Quick and convenient

Benefits of Investing in Fixed Deposit


Assured rate of return

Once you invest your funds in a fixed deposit account, you can be guaranteed of receiving the stated rate of return.


Magic of compounding

If you choose an FD with a reinvestment option, you will earn interest not just on the principal amount but also on the interest you earn.


Flexible tenure

The tenure for a fixed deposit is flexible and depends on the deposit holder. the final decision can be taken by the deposit holder.


Easy liquidation

It is relatively easy to liquidate a fixed deposit. For FDs booked online, they can be liquidated online via net banking as well.


Tax threshold for interest

Banks are not mandated to deduct tax on any interest until it crosses Rs. 10,000.


Loans against fixed deposit

An FD is a dependable instrument to keep in case of financial emergencies. Taking a loan against a fixed deposit is very easy.

Explore Fixed Deposit

Compare latest FD rates for banks, NBFC, and corporate deposits which guarantees a fixed return. Start Investing in best fixed deposit scheme in India to enjoy higher interest rates and tax benefits without any market-linked risk.


3 Easy Steps to Invest in Fixed Deposit


Enter FD details

Select amount, tenure and interest payout i.e. regularly or on maturity


Setup investment account

Setup your Investment Account with Investkraft by submitting your personal and professional details


Make payment

Make payment using Netbanking, UPI or EasyPay. Your FD will be booked.

Partners with the best to secure your money

Our partner hosts your Savings Bank Account and Visa Debit Card, and follows all security standards, as per RBI regulations.

Your money is always safe with our banking partner, All Partners Bank and your money is insured upto ₹5 lakh as per the RBI’s insurance deposit scheme.

Start Now

Open a fixed deposit with ease

Hassle-free opening of deposits from the comfort of yourhome / office.

Enjoy attractive interest rates

For details on interest rates for fixed deposits ranging from 7 days to 10 years.

Small and regular payments

You can start investing with as little as ₹ 10,000

Safe Deposit

We assure you of the highest level of security for your money


Features of Investing in Fixed Deposit with Investkraft


Eligibility Criteria and Documents Required

Anyone can book our fixed deposit if they meet the basic criteria mentioned below. You will need documents to complete your investment process if you meet the eligibility criteria.

Eligibility Criteria
  • Resident Indians
  • Sole proprietorships
  • Partnership firms and companies
  • Hindu Undivided Families (HUFs)
  • Clubs, associations, societies, and family trusts
Documents Required
  • PAN Card
  • Any KYC document: Aadhaar card /Passport/Driving license/ Voter ID

FD Calculator

Total Investment Amount


Time Period

Interest Rate

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Invest wisely (FAQs)

Individuals (can invest online), Companies, HUFs, Body of Individuals, Association of Persons, Societies, Trusts, Sole Proprietorships, Partnerships, Societies (both residential as well as credit co-operative), Clubs, Schools, Universities, etc. can invest in a BFL Fixed Deposit.

We offer cumulative & non-cumulative interest payment options.
  • In a 'Non-cumulative' Fixed Deposit, the interest is payable on a monthly, quarterly, half-yearly and yearly basis. This will be convenient if you require periodic interest payment.
  • In a 'Cumulative' Fixed Deposit, the interest is payable at the time of maturity along with the principal and is compounded annually. It is suitable for an individual who does not require periodic interest payment. The interest will be compounded annually, and the final payout will be subject to deduction of tax, wherever applicable.

Yes, senior citizens (i.e. persons more than 60 years of age, subject to provision of proof of age): Additional interest rate benefit of upto 0.25% p.a. will be provided on deposit amount up to Rs. 5 (five) crore.

No. Since you have locked in your money with us at a specific rate, you will continue to receive that rate till maturity. If you wish to avail the new rate, we suggest you invest in a new deposit with us.

As a part of your investment with BFL, you enjoy the following perks & benefits: - The minimum deposit limit is ₹ 15,000 only - The safest investment for your money as BFL is rated FAAA/Stable by CRISIL and MAAA/Stable by ICRA, indicating highest degree of safety - Attractive rates of interest - Convenience to choose any tenure from 12 to 60 months to suit your needs - Branch presence over 1500+ locations in India - Hassle-free payment options through electronic or physical modes - Special interest rates for senior citizens

NetBanking, UPI, Cheque or RTGS/NEFT

To view Fixed Deposit details, please visit My Profile > DashBoard > Fixed Deposit tile. You will find complete details of your Fixed Deposit.

There are no charges levied to open your Fixed Deposit account.

In Non-Cumulative Scheme- Interest will be paid to a customer based on interest-payment frequency Monthly option - Last date of each month. The first interest will be paid on the last day of the subsequent month in which the FD is procured. E.g. If the customer has initiated the FD on 25th March and has requested for a monthly interest, the same will be paid on the- -
  • Subsequent month end that is 30th April, 31st May and so on.
  • Quarterly Option - June 30, September 30, December 31 and March 31
  • Half Yearly Option - September 30 and March 31
  • Annual Option - March 31
Cumulative scheme - The interest will be compounded annually, and the maturity amount will be subject to deduction of tax, wherever applicable. Interest will be paid on maturity"

In such case, please share your updated KYC documents and NRO bank account details. The deposit can remain with us till maturity. On the date of maturity, the maturity proceeds will be credited to your NRO account only. You will require to place a fresh FD request instead of renewal through FD Application Form for NRIs.

The maturity amount gets transferred, on the maturity date, to the bank account linked with your Fixed Deposit. This transfer takes place only through National Electronic Fund Transfer (NEFT) or Real Time Gross Settlement (RTGS) modes. However, if the payment with respect to your payout bounces, you shall be informed through a phone call & email and requested to your change Bank Account Details.

Individuals (including Beneficial Owner / Authorized Signatory/ Power of Attorney Holder) need to provide the following -
  1. One recent Photograph
  2. PAN or Form 60, if PAN is not allotted
  3. Certified Copy of one of the Officially Valid Documents (OVDs) listed below:
    • Valid Passport
    • Voter’s ID Card issued by Election Commission of India Valid Driving License
    • Proof of possession of Aadhaar Number (i.e. Aadhaar letter downloaded from UIDAI website, Aadhaar card) *
    • Job Card issued by NREGA duly signed by an officer of the State Government
    • Letter issued by the National Population Register containing details of Name, Address of the customer
* First 8 digits of the Aadhaar No. (on copy of Aadhaar Letter/Aadhaar Card obtained), must be redacted or blackened and it should not be legible. In case OVD does not have Current Address of the client, Deemed OVDs are as under -
  • i. Utility bill (Electricity, Telephone, Post-paid mobile phone, Piped Gas, Water Bill) which not more than two months old
  • ii. Property or Municipal tax receipt
  • iii. Pension or Family Pension Payment Orders
  • iv. Letter of Allotment of Accommodation by eligible employer(s)

Reach out to our Experts if you have any Doubts

Like the best things in life, Consultations @InvestKraft are free

Drop a Mail or give us a Missed Call & Begin your Investment Journey here