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Fixed Deposit Investors

The Psychology of Fixed Deposit Investors: Why People Choose Fixed Rates Over Other Options

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Even after so many years in the financial sphere, fixed deposits continue attracting a significant portion of investors despite the many options available in the current landscape. This is simply because of one term, i.e., “Fixed”. Indians are known to be cautious about their investments; somewhere, they expect assured returns and the fd interest rate assures it.

The reason why this investment avenue is the most preferred in our country is because of its guaranteed returns. No matter what, your money is secure for the predetermined period, and you are bound to get the fixed amount when it ends. 

What is a fixed deposit? Why is it the most suitable option for potential investors?

It is basically a financial instrument offered by banks as well as financial institutions where you deposit a sum of money for a fixed tenure as well as interest rate. The rate of interest in this investment scheme is much higher than a regular savings account. 

The deposited amount here remains completely untouched for the agreed-upon term, and at maturity, you receive the principal amount along with the accrued interest amount. Also, don’t forget to use a Fd calculator before putting in your hard-earned money in this investment scheme.

  • Safety and Stability

FDs are generally considered safe investment schemes as they are completely backed by banks. They offer an assured return upon maturity, ensuring the safety of the invested amount. 

  • Guaranteed returns

Even if the market fluctuates, no need to worry about your investment as it is entirely safe. The rate of interest here is fixed at the time of deposit, allowing potential investors to predict their earnings.  

  • Tax Benefits

The interest amount you earn upon the fixed deposit is eligible for tax deductions. This factor is quite motivating and lures many people to invest in this scheme. 

  • Liquidity

Although this investment avenue is designed for a fixed tenure, most financial institutions allow premature withdrawal in case of emergencies. However, this might come with a penalty or a reduction in the rate of interest. 

How to invest in FDs? Do you need to go anywhere?

It’s 2023. No need to go anywhere! You just need your internet-enabled smartphone and the right application installed on it. Around a few months ago, I invested via an application called Bajaj Finserv. 

Believe me, if you are looking for an application to invest in FDs, this application is simply the best. Moreover, it also offers an FD calculator, a must-use tool for every potential investor. 

  1. Download the app from the App Store or Play Store.
  2. Sign up after entering your mobile number
  3. On the home page, you will see an icon for Fixed Deposit. 
  4. Click on it and use the in-built FD interest rate calculator to simulate different situations by changing the customer type, deposit amount, tenure, and interest payout frequency. 
  5. This will help you make the best decision and get the best return on your investment. 
  6. Once you are satisfied with it, click the invest now button on the FD page.
  7. Fill in those values, and you are good to go.


The choice of fixed deposits over other investment options comes from a combination of risk aversion, a desire for safety and security, and, most importantly, a preference for financial stability. 

Understanding your financial goals, as well as risk tolerance, is quite crucial in determining whether FDs align with an individual’s overall investment strategy. Also, don’t forget to use a calculator before investing to calculate fd interest

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