{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/www.indusind.bank.in\/iblogs\/fixed-deposit\/flexi-fds-combining-liquidity-and-high-returns-in-2025\/#BlogPosting","mainEntityOfPage":"https:\/\/www.indusind.bank.in\/iblogs\/fixed-deposit\/flexi-fds-combining-liquidity-and-high-returns-in-2025\/","headline":"Flexi FDs: Combining Liquidity and High Returns in 2025","name":"Flexi FDs: Combining Liquidity and High Returns in 2025","description":"Summary: Flexi Fixed Deposits combine the liquidity of a savings account along with the higher returns of a fixed deposit. They provide several features like partial withdrawals, automatic fund transfers, and customisable tenures. Ideal for evolving financial priorities in 2025, they help you manage idle funds effectively while maintaining access to money without breaking the...","datePublished":"2025-09-12","dateModified":"2025-09-15","author":{"@type":"Person","@id":"https:\/\/www.indusind.bank.in\/iblogs\/author\/indusind\/#Person","name":"IndusInd Bank","url":"https:\/\/www.indusind.bank.in\/iblogs\/author\/indusind\/","image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/8169561f34fb61e737060f1a537a86e2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8169561f34fb61e737060f1a537a86e2?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"IndusInd","logo":{"@type":"ImageObject","@id":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","url":"https:\/\/www.indusind.com\/iblogs\/wp-content\/uploads\/logo-2.png","width":201,"height":86}},"image":{"@type":"ImageObject","@id":"https:\/\/www.indusind.bank.in\/iblogs\/wp-content\/uploads\/fixed-deposite-1.jpg","url":"https:\/\/www.indusind.bank.in\/iblogs\/wp-content\/uploads\/fixed-deposite-1.jpg","height":400,"width":1060},"url":"https:\/\/www.indusind.bank.in\/iblogs\/fixed-deposit\/flexi-fds-combining-liquidity-and-high-returns-in-2025\/","about":["Fixed Deposit"],"wordCount":946,"keywords":["FD interest rates","fixed deposit","fixed deposit interest rate"],"articleBody":"Summary: Flexi Fixed Deposits combine the liquidity of a savings account along with the higher returns of a fixed deposit. They provide several features like partial withdrawals, automatic fund transfers, and customisable tenures. Ideal for evolving financial priorities in 2025, they help you manage idle funds effectively while maintaining access to money without breaking the entire deposit.In 2025, many individuals still look for investment avenues that offer safety without sacrificing growth. Traditional Fixed Deposits (FDs) have long addressed this need, but evolving financial preferences now demand greater flexibility. What if you need access to funds but don\u2019t want to break your Fixed Deposit?This is where Flexi Fixed Deposits can provide a solution. Also known as flexible deposit accounts, these hybrid instruments combine the stability of FDs with the liquidity of a savings account. Read on to understand how Flexi FDs work and why more investors are considering them a sensible choice for today\u2019s financial needs.What Is a Flexi FD & How Is It Different from Traditional Fixed Deposits?A Flexi Fixed Deposit is a financial product that combines the liquidity of a savings account with the higher returns of a fixed deposit. It operates by linking your savings account to a fixed deposit. When your savings exceed a defined threshold, the surplus is automatically transferred into a fixed deposit. This ensures better utilisation of idle funds while still allowing you to maintain liquidity for short-term transactions.What sets Flexi FDs apart is their accessibility. Unlike traditional FDs, which often require premature withdrawal of the entire deposit in emergencies, Flexi FDs permit partial withdrawals without breaking the entire FD. This structure protects your remaining balance and helps retain interest earnings on the untouched portion.Key Features and Benefits of Flexi Fixed DepositsHigher Returns Than a Savings AccountFlexi Fixed Deposits interest rates are typically higher than those of standard savings accounts. This helps your funds grow more efficiently over time.Flexible Investment AmountsYou have the freedom to choose how much to invest, based on your financial situation, although bank-specific rules may apply.Customisable Tenure OptionsDepending on your financial planning needs, you can select a short or long tenure. This flexibility allows better alignment with your goals.Simple to Open and MaintainSimilar to that of a regular fixed deposit, opening a Flexi FD is a straightforward process with minimal documentation. Many banks offer online application facilities for convenience.Auto-Renewal FacilityWith the auto-renewal feature, you don\u2019t have to track maturity dates. As the deposit is renewed automatically, it saves time and reduces oversight risks.Loan Facility Against DepositWhen in need of urgent funds, many banks extend loans against the Flexi FD. This gives you access to liquidity without prematurely withdrawing the deposit.Take an Informed DecisionBefore choosing a Flexi Fixed Deposit in 2025, take a moment to ensure that the product aligns with your short and long-term financial goals. Also, remember that while Flexi FDs provide notable convenience, certain banks may place restrictions on how frequently or how much you can withdraw. Understanding these terms is important prior to proceeding.If you intend to open a Fixed Deposit, consider IndusInd Bank for our market-leading offerings and reliable features. You can benefit from:Instant online booking in just three steps using your PAN and Aadhaar CardsCompetitive FD interest rates tailored to your investment amount and tenureFlexible payout options and auto-renewalSeamless Video KYC to open an FD of any amount from anywhereOption to open a Tax Saver FDApply for a Fixed Deposit at IndusInd Bank today!Disclaimer: The information provided in this article is generic and for informational purposes only. It is not a substitute for specific advice in your circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct\/indirect loss or liability incurred by the reader for making any financial decisions based on the contents and information.Share This:"}