Overview
Grow Your Wealth with a Fixed Investment Plan
A Fixed Investment Plan is a secure and disciplined way to build your savings over time with stable returns and low risk. Whether you're planning for your future goals, retirement, or emergency funds, our Fixed Investment Plans offer flexible tenures, guaranteed returns, and hassle-free management.
Features
| Steady & Assured Returns |
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Earn consistent returns higher than savings accounts |
| Flexible Tenure Options |
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Choose investment durations from 1 year to 10 years |
| Customizable Payouts |
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Get returns monthly |
| Risk-Free Investment |
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quarterly |
| Loan Facility |
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or annually |
How To Apply
1️⃣ Choose Your Plan – Select between Monthly Income Plan, Long-Term Investment, or Tax-Saving Plans.
2️⃣ Enter Investment Amount & Tenure – Decide your deposit amount and preferred investment duration.
3️⃣ Submit Required Documents – Provide KYC documents, PAN card, and address proof.
4️⃣ Make Payment – Deposit funds via net banking, UPI, or cheque.
5️⃣ Receive Investment Certificate – Get a digital certificate for your fixed investment plan instantly.
Eligibility
Indian Residents & NRIs – Eligible for investment.
Minimum Investment – Starts from ₹5,000 (varies by plan).
Senior Citizens – Special interest rates available.
Minors – Can invest with a guardian's supervision.
Interest & Charges
nterest Rates – Fixed based on tenure and investment amount.
Premature Withdrawal – Allowed with a nominal penalty charge (not applicable for tax-saving plans).
Loan Against Investment – Get instant liquidity without breaking your investment
Frequently Asked Questions (FAQs)
1. What is the difference between a Fixed Deposit and a Fixed Investment Plan?
A Fixed Deposit (FD) offers lump-sum investment, while a Fixed Investment Plan allows flexible contributions with structured returns.
2. Can I withdraw my investment before maturity?
Yes, early withdrawal is possible, but a small penalty may apply based on the plan.
3. How is interest paid in a Fixed Investment Plan?
Depending on the plan, interest can be paid monthly, quarterly, or on maturity.
4. Are the returns taxable?
Yes, interest earned above ₹40,000 (₹50,000 for senior citizens) in a year is taxable.
5. Can I take a loan against my Fixed Investment Plan?
Yes, loans up to 90% of your investment value are available.
