Fixed Deposit Scheme
Secure high-yield compounding returns. Earn up to 11.5% p.a. interest under safe Section 406 boundaries.
Fixed Deposit Overview
Grow your wealth securely with our high-interest Fixed Deposit schemes tailored to give you maximum return on your surplus savings. Grow your hard-earned capital secure in the knowledge that Swabhiman Nidhi utilizes secure, asset-backed investments to protect your financial principal.
Tier-Based Interest Rate & Benefits Sheet
| Tier & Deposit Range | Interest Rate | Lock-in Period | Special Benefits |
|---|---|---|---|
| Basic FD₹1,000 - ₹49,999 | 6.10% | None | - |
| Standard FD₹50,000 - ₹99,999 | 6.30% | None | - |
| Growth FD₹1,00,000 - ₹1,99,999 | 7.20% | None | - |
| Premium FD₹2,00,000 - ₹4,99,999 | 8.90% | 36 Months | 7% Cashback |
| Super Premium FD₹5,00,000 - ₹9,99,999 | 8.90% | 60 Months | 8% Cashback |
| Elite FD₹10,00,000 & Above | 8.90% | 60 Months | 10% Cashback OR iPhone 16 |
Regulatory Terms
- Interest is paid monthly, quarterly, or on maturity.
- Pre-mature withdrawal is permitted subject to Nidhi rules.
- TDS is not applicable on interest earned under Section 194A (subject to limits).
FD Calculator
Open an FD Account
Start investing starting from just ₹10,000. Secure your membership and download application forms to start.