# Fixed Deposits — Arthum Wealth Services

The stable layer your portfolio actually needs. FDs and corporate deposits give you predictable cash flow for short-term goals, emergency funds and the sleep-well-at-night portion.

## 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)

## FD ladder strategy
Split allocation across 1, 2, 3 and 5-year buckets to get:
- Regular liquidity — something matures every year
- Reinvestment at prevailing rates — never fully locked into a low-rate cycle
- Diversification across institutions — DICGC cover applies per bank per depositor

## What we watch
- Concentration above ₹5L (DICGC limit) in a single bank
- Credit rating of corporate issuers
- TDS and 15G/15H eligibility
- Premature withdrawal penalties

*Corporate FDs carry credit risk. Rates and tenures are subject to change.*