How to Maximize Returns from Your Fixed Deposits.pdf

Fixed Deposits (FDs) are known for their safety and guaranteed returns, but many investors don’t realize there are smart ways to enhance their earnings. To maximize returns, start by comparing interest rates offered by different banks, NBFCs, and post offices—sometimes smaller or newer institutions offer better rates. Opting for cumulative FDs allows your interest to compound over time, boosting total returns. Align the FD tenure with your financial goals to avoid premature withdrawals and penalty charges. Senior citizens can take advantage of higher interest rates specially offered to them. Additionally, laddering your investments—spreading them across multiple FDs with varying tenures—can provide better liquidity and help you benefit from changing interest rate trends. By planning strategically and reinvesting wisely, you can make your FDs work harder for you.

1. www.susampada.in [phone]
How to Increase Your
Fixed Deposit Returns

2. www.susampada.in [phone]
How to Maximize Returns from Your Fixed Deposits
Fixed Deposits (FDs) are one of the safest and most popular investment
options, especially for conservative investors. However, while FDs offer
fixed and guaranteed returns, a smart investor can still use a few strategies
to maximize overall earnings.

3. www.susampada.in [phone]
Higher Interest Rates:
Senior citizens earn an additional interest rate compared to standard FDs.
Flexible Tenure:
Choose durations from 7 days to 10 years, based on your needs.
Regular or Cumulative Payouts:
Monthly/Quarterly Interest Payouts – perfect for regular income.
Cumulative Option – interest compounded and paid at maturity.
Loan Facility:
You can borrow up to 90–95% of the FD amount in emergencies without breaking
it.
Nomination Facility:
Ensures smooth transfer of funds to family members.
Tax Benefits:
Invest in Tax-Saving FDs (5-year lock-in) under Section 80C (up to ₹1.5 lakh
deduction).
Submit Form 15H to avoid TDS deduction if total income is below the taxable limit.
Key Features

4. www.susampada.in [phone]
Benefits of Senior Citizen FDs
Guaranteed Returns: Assured income irrespective of market conditions.
Safe and Secure: Backed by regulated banks/NBFCs.
Regular Income: Monthly or quarterly interest payouts support living expenses.
Customizable: Tenure and payout options can be chosen based on personal needs.
Financial Independence: Helps seniors manage their finances confidently after
retirement.

5. www.susampada.in [phone]

6. www.susampada.in [phone]

7. www.susampada.in [phone]
Senior Citizen Fixed Deposits

8. www.susampada.in [phone]
Corporate FD Interest Rates

9. www.susampada.in [phone]
THANK YOU