Compare FD rates across small-finance, scheduled and corporate FDs — DICGC-insured up to ₹5L.
Most partner FDs add 0.50% p.a. for senior citizens — we surface the best post-boost rate, not just the headline rate.
We help you split an FD into 12-month laddered tranches so liquidity + best-rate-rollover both work in your favour.
5-year tax-saver FDs lock the money but give you ₹1.5 L 80C deduction. We model whether that beats your next-best 80C option.
Indicative figures. Actual offer depends on your profile. Praarabdh is a Data Fiduciary under the DPDP Act, 2023.
Scheduled bank FDs are DICGC-insured up to ₹5 L per depositor per bank. Corporate FDs (Bajaj etc.) are not — but Bajaj has a CRISIL AAA rating.
Banks deduct 10% TDS if interest > ₹40,000 / year (₹50,000 for seniors). Submit Form 15G/15H if below the taxable threshold.
Yes — most FDs allow premature withdrawal with a 0.5-1% penalty on the applicable lower-tenure rate. Some specialty FDs are no-premature.
Cumulative compounds quarterly + pays at maturity (best total return). Non-cumulative pays monthly/quarterly interest (good if you need income flow).
One short form. We compare the panel for your profile. A real Praarabdh advisor calls within 48 hours.
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