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Blog Collection

Difference Between a Certificate of Deposit and Fixed Deposit

Updated on Tuesday, September 29th, 2026 | By IndusInd Bank

Difference Between a Certificate of Deposit and Fixed Deposit

Summary A certificate of deposit and a fixed deposit are both popular debt instruments that offer assured returns for a specified tenure. Certificates of Deposit, which are controlled by the RBI, have a maximum investment period of 12 months and offer a comparatively higher rate of interest. Fixed deposits are known for their flexibility in…

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Category : Fixed Deposit

Fixed Deposits for Senior Citizen: How to Use Sweep in/Sweep Out Facility?

Updated on Tuesday, September 29th, 2026 | By

Fixed Deposits for Senior Citizen: How to Use Sweep in/Sweep Out Facility?

Summary Sweep-In/Sweep-Out facility links a savings account with a fixed deposit. Senior citizens can earn FD interest rates on surplus balances and the auto-reverse sweep facility provides seamless access to funds when required. Senior citizens may be eligible for preferential FD interest rates offered by banks. It is suitable for retirees seeking both accessibility and…

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Category : Fixed Deposit

How Sweep-In Works: Which Deposit Breaks First and Why It Matters for Your Returns

Updated on Tuesday, September 22nd, 2026 | By

How Sweep-In Works: Which Deposit Breaks First and Why It Matters for Your Returns

Summary The Auto-Sweep facility automatically transfers surplus funds from your savings account to a fixed deposit (also known as Sweep Out) and moves funds back from the fixed deposit to the savings account (also known as Sweep In) whenever there is a balance shortfall. You can also link your existing FDs to your savings account…

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Category : Fixed Deposit

Understanding Important Fixed Deposit Rules & Regulations

Updated on Wednesday, September 16th, 2026 | By IndusInd Bank

Understanding Important Fixed Deposit Rules & Regulations

Summary Understanding FD rules around tenure, premature withdrawal, interest rates and auto-renewal can help investors maximise returns and avoid unnecessary penalties. FD interest is taxable, and investors should be aware of TDS rules, available tax-saving options and the use of Form 15G/15H where applicable. Additional features such as nomination facilities, loans against FDs and deposit…

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Category : Fixed Deposit

How To Open a Fixed Deposit Without a Savings Account

Updated on Wednesday, September 16th, 2026 | By IndusInd Bank

How To Open a Fixed Deposit Without a Savings Account

Summary Opening a fixed deposit without a savings account is now easier than ever, thanks to digital banking solutions. The process is simple: submit your personal details, choose your preferred FD tenure and investment amount, and fund the deposit. Whether you are a first-time investor, salaried professional, senior citizen, or someone looking for a safe…

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Category : Fixed Deposit

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