01Who it's for
Retirees needing monthly income
Families holding an emergency fund
Anyone with a fixed date for the money
02Eligibility
Age 18 and above
Completed KYC
No upper limit on amount
Senior-citizen rates from 60
03Documents needed
PAN and Aadhaar
Passport photograph
Bank account details
Form 15G or 15H where applicable
Scope of work
What I handle for you
Not a product list — the specific work that happens once you say go.
01Rates compared across banks and NBFCsSmall finance banks and company deposits pay more. You see the credit rating next to the rate and judge the risk yourself.
02Maturities ladderedDeposits split across dates so money comes free when you need it, without breaking anything early.
03Senior-citizen rate and 15G/H filedThe extra half a percent, plus the forms that stop tax being deducted when your income is below the limit.
04₹5 lakh insurance limit respectedDeposits spread so no single bank ever holds more than the insured amount.
FD maturity calculator
₹ 5,00,000
7.25%
5 years
Compounded quarterly, the way banks credit fixed deposits. Senior citizens usually get about 0.50%* more.
Frequently asked
Is a company FD safer than a bank FD?+
No. Bank deposits are insured up to ₹5 L per bank. Company deposits pay more precisely because they carry more risk — I will show you the rating.
Can I avoid TDS?+
Submit Form 15G or 15H if your total income is below the taxable limit. I will file it with the bank for you.
Other services