Fixed deposits are considered relatively safe as they offer fixed returns and capital protection when chosen from reputed banks or well-rated corporates. Safety depends on the issuer’s credit quality, which we help you evaluate before investing.

Bank FDs generally offer higher safety with moderate returns, while corporate and NBFC FDs may provide higher interest rates with varying levels of credit risk. We help you select the right option based on your risk comfort and income needs. Currently we offer FD from ShreeRam Finance, Mahindra Finance, Bajaj Finserv.

• Yes. Non-cumulative fixed deposits provide periodic interest payouts—monthly, quarterly, or annually—making them suitable for retirees and income-seeking investors.

Premature withdrawals are usually allowed but may attract a penalty or reduced interest rate, depending on the issuer’s terms. Kindly please read all the documents carefully and clearly before you invest. 

Yes. Interest earned on fixed deposits is taxable as per your income tax slab. TDS may apply if interest exceeds the prescribed limit. We help you plan FDs in a tax-efficient manner where possible.

We assess your investment horizon, income requirement, and risk profile, then shortlist suitable FD options based on issuer rating, tenure, and returns. Our guidance ensures clarity and transparency.

No. Bhaarat Wealth offers free consultation and assistance for fixed deposits. We receive trail commissions from issuers as permitted, with no additional cost to the investor.

We receive standard commissions from mutual fund Asset Management Companies (AMCs), as permitted and regulated by applicable SEBI guidelines. These commissions are paid by the AMCs and do not result in any additional cost to the investor.