FD kyun popular hai?
FD (Fixed Deposit) India mein sabse popular savings option hai kyunki principal aur interest dono guaranteed hain — koi market risk nahi. Senior citizens ko 0.5% extra interest milta hai most banks mein.
Current FD rates — major banks 2026
| Bank | 1 Year Rate | Senior Citizen |
|---|---|---|
| SBI | 6.8% | 7.3% |
| HDFC Bank | 7.1% | 7.6% |
| ICICI Bank | 7.1% | 7.6% |
| Post Office TD | 7.5% | 7.5% |
| Small Finance Banks | 8-9% | 8.5-9.5% |
Note
Rates change hoti rehti hain — apne bank ki current rate verify karein. Post Office Term Deposit government-backed hai — safety maximum hai.
FD mein tax
- FD interest taxable hai — income mein add hota hai
- Annual interest ₹40,000 se zyada (senior: ₹50,000) — bank 10% TDS katega
- Form 15G/15H submit karein agar total income tax limit se kam ho — TDS nahi katega
- Tax-saving FD (5 year lock-in) — Section 80C benefit, ₹1.5 lakh tak
FD prematurely todne par penalty kya hoti hai?
Zyada tar banks 0.5-1% penalty lete hain premature withdrawal par. Actual interest rate jo milna tha uspe penalty deduct hoti hai. Emergency ke liye FD loan bhi le sakte hain (90% amount tak, lower interest).
Kya FD safe hai agar bank fail ho?
DICGC (Deposit Insurance) ke under ₹5 lakh tak deposits insured hain — per bank, per depositor. Isse zyada amount alag banks mein rakhein safety ke liye.