Fixed Deposit - Open FD Online & Earn Up to 8.15%* p.a. Interest Rate
Secure your financial future with Highest Fixed Deposit. Minimum deposit of just ₹5,000.
- ✓ 0.50%* p.a. extra for Senior Citizens
- ✓ 0.05%* p.a. extra for Women Depositors
- ✓ 0.15%* p.a. extra on Renewals
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Fixed Deposit Features and Benefits
- Financial Goals: Highest Fixed Deposit offers a range of features and benefits designed to meet the diverse financial goals of every investor.
- Steady Growth: Our fixed deposits provide attractive interest rates, flexible tenure options, and the power of compounding, ensuring your savings grow steadily over time.
- Stability: Whether you're planning for future expenses or looking to build a strong financial foundation, Highest Fixed Deposit Fixed Deposits offer the stability and growth potential you need.
- Secure Future: Explore the features and benefits of Highest Fixed Deposits today and take the first step towards a financially secure future.
Highest Fixed Deposit vs Bank FDs
| Factors | Highest Fixed Deposit | Bank |
|---|---|---|
| Interest Rate | 8.15%* p.a. | 5 to 7% p.a. |
| Tenure | 1 to 5 years | 7 days to 10 years |
| Investment Amount | Starts from ₹5,000 | Starts from ₹10,000 |
| Senior Citizen Benefit | 0.50%* p.a. | 0.25% to 0.50% p.a. |
| Women Depositor Benefit | 0.05%* p.a. | 0.05% p.a. |
| Renewal Benefit | 0.15%* p.a. | 0.10 to 0.15% p.a. |
Why Choose Highest Fixed Deposit FD?
Senior Citizen Additional Benefit
Women Additional Benefit
Additional Renewal Benefits
Multiple Payout options
Legacy - Trusted by Generations
Highest Safety Credit Rating*
What is a Fixed Deposit Calculator?
A Fixed Deposit Calculator is an essential tool for anyone looking to invest in a fixed deposit. It helps you accurately calculate the interest earned on your investment over a specified tenure.
Key Features of the Fixed Deposit Calculator:
- ✓ Get quick and accurate results based on the amount, interest rate, and tenure
- ✓ Easily compare potential FD returns from different FD schemes
- ✓ Helps you align your investments with your short-term and long-term financial goals
Maturity Details
Note: Outcomes are indicative. Final rates apply on deposit date.
Types of Fixed Deposits
Cumulative Fixed Deposits
In this type of FD, the interest is compounded and reinvested and is paid upon maturity. With the power of compounding, your earnings are higher than those of a non-cumulative FD.
Non-Cumulative Fixed Deposits
This type of FD has the flexibility in terms of the payout. You can receive regular income since the interest is paid out on a monthly, quarterly, half-yearly or yearly basis. However, the maturity amount is less compared to the cumulative FD.
Fixed Deposit Interest Rates
- Competitive Rates: Maximise your savings by investing in a Fixed Deposit with Highest Fixed Deposit, where you can take advantage of competitive FD interest rates.
- Power of Compounding: A Fixed Deposit is a reliable way to grow your savings, thanks to the power of compounding that allows your money to increase steadily over time.
- Guaranteed Returns: Secure your financial future by choosing to invest in Highest Fixed Deposit FD today and enjoy the peace of mind that comes with guaranteed returns.
- Stability: Start your journey to financial stability with a Fixed Deposit investment that works for you.
- While FD rates may vary amongst banks, NBFC, and other financial institutions, Highest FD continues to be a preferred choice among conservative millennial investors seeking a predictable and stable income source.
Highest Fixed Deposit continues to offer a reliable investment option through its Unnati Fixed Deposit Scheme, tailored to meet the diverse needs of investors. As of (w.e.f 5th August 2025), the FD interest rates for the Cumulative Fixed Deposit Scheme have been revised, ensuring competitive returns on your investment. This FD scheme is designed to help investors grow their savings steadily over time, with the convenience of a single maturity payout that includes both principal and accrued interest. Whether you are a conservative investor seeking stability or looking to enhance your financial portfolio - explore the latest FD interest rates and see how Highest FD can work for your financial aspirations.
| Period (Months) | At Maturity % p.a. | Maturity Value for ₹5,00,000 |
|---|---|---|
| 12 | 7.00% | ₹ 5,35,027 |
| 15 (DIGITAL ONLY) | 7.25% | ₹ 5,45,719 |
| 18-23 | 7.15% | ₹ 5,54,607 |
| 24-35 | 7.25% | ₹ 5,75,132 |
| 36-60 | 7.60% | ₹ 6,22,931 - ₹ 7,21,251 |
Highest Fixed Deposit offers the Non-Cumulative Fixed Deposit Scheme for investors looking for periodic income. Enjoy competitive interest rates with the flexibility to choose monthly, quarterly, half-yearly, or yearly interest payouts, ensuring a steady and predictable cash flow to meet your ongoing financial requirements.
| Period (Months) | Monthly % p.a. | Quarterly % p.a. | Half-Yearly % p.a. | Yearly % p.a. |
|---|---|---|---|---|
| 12 | 6.79% | 6.82% | 6.88% | 7.00% |
| 15 | 7.02% | 7.06% | 7.12% | 7.25% |
| 18 | 6.93% | 6.97% | 7.03% | 7.15% |
| 24 | 7.02% | 7.06% | 7.12% | 7.25% |
| 36 | 7.35% | 7.39% | 7.46% | 7.60% |
| 60 | 7.35% | 7.39% | 7.46% | 7.60% |
Fixed Deposit Eligibility and Documents Required
To invest in a Fixed Deposit with Highest Fixed Deposit, you must meet certain eligibility criteria and provide the necessary documents. Typically, individuals above the age of 18, including NRIs* (NRI can apply offline) and minors* (under guardianship), are eligible to invest in a Fixed Deposit.
Who can invest in Highest FD
- Resident Individuals (Online and offline)
- Sole Proprietorship (Offline only)
- Partnership Firms (Offline only)
- LLPs (Offline)
- Companies (Offline only)
- Hindu Undivided Family (Offline only)
- Trusts and Foundations (Offline only)
- NRIs (Offline Only)
- Unincorporated Association/Body of Individuals (Offline only)
How to Invest & Renew Fixed Deposit
Online Investment Steps
Register using your mobile number.
Enter the investment amount, tenure and PAN.
Complete your KYC verification, share depositor details and other declarations.
Verify your bank details and add nominee.
Renewal Steps
Sign in to your Highest Fixed Deposit customer portal.
Navigate to "Renew Your Fixed Deposit" and select the FD investment.
Upon verifying the necessary details, click on "Proceed."
Review and confirm terms for the renewed FD.
Testimonials
See what our investors are saying about us.
"I booked my FD through app. Process was quick and through FD calculator I was able to see my overall returns."
"One of friend recommended Highest FD because of high interest rates. I feel my money is safe because of Highest Fixed Deposit legacy."
Fixed Deposit FAQs
What is a fixed deposit and how does it work?
FD is a type of investment in which an individual or non-individual invests a lump sum amount for a fixed period at a predetermined rate of interest.
What is the minimum amount for investing in a Highest FD?
Start investing in FD with a minimum of ₹5,000 increasing in multiples of ₹1,000.
Can I get monthly interest on FD?
Yes, by choosing the Non-Cumulative Fixed Deposit scheme, you can opt to receive interest payouts on a monthly, quarterly, half-yearly, or yearly basis.