Safe. Simple. Stable.
Let your money grow with guaranteed returns and complete peace of mind.
Small Steps, Steady Growth
What is it?
Think of it as a financial anchor—where your money grows steadily over a fixed tenure with a guaranteed return, unaffected by market volatility.
Why consider it?
FDs give you certainty—no market swings, no surprises. Your capital is safe, and your interest is fixed. It's the perfect solution if you're seeking predictable returns without market exposure.
Who’s it for?
Perfect for risk-averse investors, first-time savers, senior citizens, or anyone looking to park money safely and earn stable interest over a fixed term.
Gannit Promise
Compare Interest Rates with Top Banks
FD Interest Rates
| Tenure | Regular | Senior Citizen |
|---|---|---|
| 5 Years | 7.25% | 7.75% |
| 4 Years | 7.25% | 7.75% |
| 3 Years 6 Months | 7.25% | 7.75% |
| 1 Year 6 Months | 7.40% | 7.95% |
| 1 Year 3 Months | 7.35% | 7.90% |
| 1 Year | 7.00% | 7.55% |
💡 Minimum Investment: ₹15,000
🔁 Interest: Compounded annually
🔓 Withdrawals: Allowed after 90 days
Know Your Returns
FD Interest Rates (as of 16th May 2025)
| Period | At Maturity (% p.a.) |
Monthly (% p.a.) |
Quarterly (% p.a.) |
Half-Yearly (% p.a.) |
Annual (% p.a.) |
|---|---|---|---|---|---|
| 12–14 months | 7.00 | 6.79 | 6.62 | 6.88 | 7.25 |
| 15 months | 7.35 | 7.13 | 6.95 | 7.22 | 7.60 |
| 18 months | 7.50 | 7.27 | 7.09 | 7.37 | 7.75 |
| 22 months | 7.60 | 7.36 | 7.18 | 7.47 | 7.85 |
| 24 months | 7.60 | 7.36 | 7.18 | 7.47 | 7.85 |
| 33 months | 7.60 | 7.36 | 7.18 | 7.47 | 7.85 |
| 36 months | 7.20 | 6.97 | 6.79 | 7.07 | 7.45 |
| Period | At Maturity (% p.a.) |
Monthly (% p.a.) |
Quarterly (% p.a.) |
Half-Yearly (% p.a.) |
Annual (% p.a.) |
|---|---|---|---|---|---|
| 12–14 months | 7.25 | 7.03 | 6.85 | 7.13 | 7.50 |
| 15 months | 7.60 | 7.36 | 7.18 | 7.47 | 7.85 |
| 18 months | 7.75 | 7.50 | 7.32 | 7.62 | 8.00 |
| 22 months | 7.85 | 7.60 | 7.42 | 7.72 | 8.10 |
| 24 months | 7.85 | 7.60 | 7.42 | 7.72 | 8.10 |
| 33 months | 7.85 | 7.60 | 7.42 | 7.72 | 8.10 |
| 36 months | 7.45 | 7.20 | 7.01 | 7.31 | 7.70 |
✅ Minimum Investment: ₹15,000
🔁 Interest Options: Cumulative & Non-Cumulative (Monthly, Quarterly, Half-Yearly, Annual)
🧓 Senior Citizens: Higher rates applicable as listed above
How to Start an FD with Gannit
- 1. Choose the FD tenure & amount
- 2. Complete KYC via DigiLocker
- 3. Make payment using UPI or Net banking
- 4. Get your FD receipt in 1–2 working days
PREMATURE WITHDRAWAL OF FIXED DEPOSITS
We recommend not to break or pre-mature your Fixed Deposit. In case of an emergency, you can take a Loan against Fixed Deposit by visiting My Account. Should you still wish to premature your deposit, we will be applying the below prematurity rates (even in death cases) as laid down by RBI.
| As per RBI regulations of Pre-maturity | Details |
|---|---|
| Up to 3 months (Lock-in period) |
No repayment (Not applicable in case of repayment in the event of death of the depositor). However, depositor can withdraw up to 50% of principal or ₹5 lakhs, whichever is lower, upon occurrence of expenses for medical emergency or natural calamities/disasters. Further, in case applicant is suffering from critical illness (as defined in IRDAI (Health Insurance) Regulations, 2016), 100% of principal amount will be paid without interest. |
| After 3 months but before 6 months | No interest |
| After 6 months but before the date of maturity | The interest payable shall be 2% lower than the interest rate applicable to a public deposit for the period for which the public deposit has run or, if no rate has been specified for that period, then 3% lower than the minimum rate at which public deposits are accepted by the NBFC. |
Frequently Asked Questions
Yes, the FDs are backed by AAA-rated, RBI-regulated financial institutions. Your money is in safe
hands.
You can withdraw after 3 months.
- 3–6 months: Only principal is returned
- After 6 months: Interest is paid at a reduced rate based on the actual holding period
No. You can invest directly via your existing bank account—no need to open a new one.
No. KYC is completed digitally using DigiLocker. Simple, safe and fast.
Yes. Simply use their Aadhaar-linked number during sign-up and enjoy senior citizen benefits.
Let’s Grow Your Wealth, Together
Ready to lock in your returns?
Gannit makes it simple to invest in secure fixed deposits and build financial confidence.