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Fixed Deposit – Features and Benefits

Fixed Deposit is one of the best investment options in India. Many people, both business owners and salaried individuals invest a significant portion of their savings in FD as it offers assured returns, carries zero investment risk and many such features and benefits.

You can open an Fixed Deposit account with Mahindra Finance, irrespective of your age, gender and profession. It is a prudent investment instrument that allows you to save and grow your money over the years and accumulate a significant corpus for your long-term goals with FD benefits.

Let us look at fixed deposit features and benefits

Assured Returns

Our Fixed Deposits are awarded the ‘IND AAA/Stable’ status by the India Ratings and ‘CRISIL AAA/Stable’ by CRISIL Ratings, which indicates the highest safety for your investment. You get assured returns at fixed interest rates, irrespective of the prevailing market value. This means at the end of the investment term, the maturity value will be higher than the investment amount.

High Interest Rates

One of the stand-out fixed deposit features is that we offer the most competitive interest rate in the market, allowing you to grow your money faster and accumulate a large corpus. We offer a higher interest rate to our Senior Citizens up to 0.25% more than the interest offered to regular investors. Also, if you are employed with Mahindra Group, you and your relatives can avail of an additional 0.35% interest on the Samruddhi fixed deposit scheme.

Easy and fast online process

At Mahindra Finance, we offer fully digital financial services. You can easily open an account online from the comfort of your home within a few minutes. Also, we have minimal documents required for fixed deposit account, which allows you to avoid the hassles of dealing with complicated paperwork.


We give you the flexibility to choose from a wide variety of FD schemes to suit your needs. Also, you can choose the investment amount, tenure and interest payout term.

Fixed Deposit Benefits

Fixed Deposit is a wonderful investment avenue to park your surplus funds and grow your savings over time and achieve various financial goals. Let us look at other FD benefits.

  • Secure your retirement: Retirement planning is an integral and critical part of financial planning. Investing in an FD scheme is a great way to save funds for your retirement goals. You can periodically invest your surplus funds in FDs and build a sizeable corpus. The lock-in period also allows you to stay disciplined with your investment and avoid withdrawing funds.
  • Create an emergency fund: One of the significant benefits of fixed deposit account is that you can use it to create an emergency fund that you use for unexpected expenses that may crop up at any time. Also, having a fixed deposit investment that provides assured returns gives you a financial safety net during difficult times.
  • Secure your family’s future: FD allows you to grow your savings without any risk. You can open an FD account with Mahindra Finance; the high interest rate allows you to build a corpus for your family’s future needs, like paying your child’s education fees and securing their future.

Fixed deposit is a safe and reliable investment option that allows you to achieve many financial goals. Check the fixed deposit application process and open an FD account now!

Frequently Asked Questions

What are the benefits of tax-saving FD?

What are the benefits of Mahindra Finance fixed deposit (FD)?

Do senior citizens get any extra benefit on fixed deposit?

Ready to grow your savings and secure your future? Choose a Fixed Deposit with Mahindra Finance today!