What we offer
- Bank FDs across leading private and PSU banks
- AAA-rated corporate FDs (HDFC, Bajaj Finance, Shriram, ICICI Home Finance and others)
- Senior citizen FDs with rate top-ups
- Tax-saving 5-year FDs (Section 80C, old regime)
Our FD ladder strategy
Instead of locking everything into one tenure, we split your FD allocation across 1-, 2-, 3- and 5-year buckets. This gives you:
- Regular liquidity — something matures every year
- Reinvestment at prevailing rates — you're never fully locked into a low-rate cycle
- Diversification across institutions — DICGC cover applies per bank per depositor
What we watch out for
- Concentration above ₹5L (DICGC limit) in a single bank
- Credit rating of corporate FD issuers
- TDS implications and 15G/15H eligibility
- Premature withdrawal penalties
The right FD allocation is the one that lets you stay invested in equities through every downturn.
ARTHUM