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Fixed Deposit & Mutual Fund

From guaranteed returns on Fixed Deposits to market-linked growth through Mutual Funds — DealGini helps individuals and businesses choose the right savings and investment product for their goals.

Cover / Investment Range ₹1,000 – No upper limit
Investment Tenure 6 – 120 months
Charges No charge
Activation Time Same day activation
Enquire Free → 💬 WhatsApp Us
Product Details

Everything you need to know
before you start.

Key Figures
Cover / Investment Range₹1,000 – No upper limit
Investment Tenure6 – 120 months
ChargesNo charge
Activation TimeSame day activation
PartnersLeading Insurers & AMCs
Returns / PremiumDiscussed at consultation
Products & Options
Fixed Deposit (FD) Recurring Deposit (RD) Mutual Fund — SIP Mutual Fund — Lumpsum Debt Funds ELSS (Tax Saving)
Who Can Invest

Eligibility criteria.

These are general guidelines. DealGini will assess your goals and recommend the most suitable product.

Fixed Deposit
Any individual, HUF, firm or company with a valid bank account
Recurring Deposit
Any individual aged 18+; minors with guardian
Mutual Funds
Any KYC-compliant individual aged 18+; NRI eligible for select funds
SIP Minimum
As low as ₹500/month for most mutual fund schemes
FD Minimum
₹1,000 for most banks; ₹10,000+ for corporate FDs
Senior Citizens
Higher FD interest rates available — typically 0.25%–0.5% extra
What to Prepare

Documents checklist.

Keep these ready before applying. Our team will guide you on exactly which documents are needed.

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Identity Proof
Aadhaar Card + PAN Card (KYC mandatory for mutual funds)
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Address Proof
Aadhaar / Utility Bill / Passport
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Bank Details
Cancelled cheque or bank passbook for payout linkage
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Photograph
Passport-size photograph for KYC
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KYC
One-time KYC via CKYC registry — required for all mutual fund investments
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Income Proof
Not mandatory but may be required for large investments
Returns Estimator

Estimate your returns.

Indicative projections only. Actual returns depend on market conditions and the specific product chosen.

Investment Amount ₹10,00,000
Expected Return Rate (% p.a.) 7%
Tenure 36 months
Estimated Monthly Return / Maturity Value
₹33,214
₹10,00,000
Principal / Invested
₹1,95,704
Est. Returns
₹11,95,704
Maturity Value

* Indicative only. Contact DealGini for a precise quote tailored to your profile.

Get Started

Talk to us in
3 minutes.

Tell us your investment goals and our team will call you within 2 business hours with the best options for your situation — completely free.

Enquire Now
Free consultation. No commitment required.

Your information is kept confidential. We never share your details without your consent.

Common Questions

Frequently asked
questions.

What is the difference between FD and Mutual Fund?+
A Fixed Deposit offers guaranteed returns at a fixed rate for a fixed period — low risk, predictable income. A Mutual Fund invests in market instruments — higher potential returns but with market risk.
Which is better — SIP or lumpsum investment in mutual funds?+
SIP (Systematic Investment Plan) is better for most people as it averages out market volatility over time. Lumpsum is suitable when markets are low and you have a surplus amount ready to invest.
Are mutual fund returns guaranteed?+
No. Mutual fund returns are market-linked and not guaranteed. Past performance does not guarantee future results. DealGini will explain the risk profile of each fund clearly.
Is there a penalty for breaking an FD early?+
Yes — most banks charge 0.5%–1% penalty on premature FD withdrawal. Some tax-saving FDs (5-year) cannot be broken before maturity.
Can a business invest in FDs and mutual funds?+
Yes. Companies, partnerships and proprietorships can invest in corporate FDs and certain mutual fund categories. DealGini can guide the right product for business surplus funds.
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