A Fixed Deposit is an investment instrument offered by reputed non-banking financial companies (NBFC), wherein an investor invests a certain amount of money for a fixed period on which a fixed rate of return is assured. The deposit is linked to the savings bank account of the investor. A Fixed Deposit remains unaffected by market fluctuations.
Fixed Deposits are considered relatively safe investments because they are regulated by RBI (Reserve Bank of India) and it is not immune to Market Fluctuations.
FDs offer a fixed rate of interest, which is predetermined at the time of investment. This fixed interest rate remains constant throughout the tenure of the deposit. Senior citizens may be eligible for higher interest rates.
FDs offer flexibility in terms of tenure options, allowing investors to choose the duration of their investment according to their financial goals and liquidity needs.
Investors have the flexibility to choose the frequency of interest payments on their FDs, including monthly, quarterly, semi-annually, or annually.
NBFCs tend to have lower operational costs compared to banks due to their streamlined operations and focus on specific financial services. This lower cost structure can enable them to offer higher interest rates while still maintaining profitability.
Ashutosh Financial Services is a 25+ years old company that has been assisting individuals and companies in various aspects like Investment, Insurance, Income Tax Planning, etc. At Ashutosh Financial Services we always put the investors’ interests first and do our best to ensure that investors’ objectives are achieved in a timely manner. We strive to make every Indian financially literate and independent.
We at Ashutosh Financial Services put maximum importance on understanding your Investment objectives and creating a customized investment plan to ensure the complete achievement of your investment goals. We pride ourselves to be the best goal-based planners. Post Investment, we keep regular track of all your investments to ensure the complete achievement of your investment objectives.
Through our years of experience, we at Ashutosh Financial Services have created a process through which we aim to provide you with the best investment-related services and ensure that you have a hassle-free experience. We have a team of well-qualified and experienced members that are more than enough capable to assist you regarding all your investment matters.
Understanding Fixed Deposit
In the first meeting, we try to inform you regarding various terms of Fixed Deposit like FD rates, interest payout, Pre-Mature withdrawal & FD taxation. The understanding of all these terminologies will help you in planning out your investment in the best possible way.
Research & Analysis
We, at Ashutosh Financial Services, take immense pride in being of the very few companies in this field to have our own Research & Analysis Department. After carefully examining your requirements, our Research team will look to provide you with an attractive fixed deposit that offers the best interest rate. Our Research team will carefully analyze the details like financials & ratings of the fixed deposit issuing company before picking it for your investment.
After Investment Services
Once the Investment process is done, you will be assigned a dedicated relationship manager who shall always be available for any support-related activities. The relationship manager will also inform you about the maturity date, F.D renewal process, taxation matters, etc. from time to time
Our aim is to become your one-stop solution for your financial needs. Through our expert and qualified team, we try to give you the best advice regarding your investments. We also keep ourselves updated with all the activities happening in the world of finance. We aim to provide you with quality & unbiased services to secure your goals and future needs. We at Ashutosh Financial Services, are committed to continuously providing financial services to our investors to the best of our ability.
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