Fixed Deposits (FD)

A Fixed Deposit is one of the most popular and trusted investment instruments in India. It allows investors to deposit a lump sum amount for a fixed tenure at a predetermined interest rate. At maturity, the investor receives the principal amount along with interest.

Types of Fixed Deposits We Offer

At InvestmentVala, we provide access to various FD options:

Primary Bonds

Primary Bonds are debt instruments issued directly by governments, public sector units, or corporations to raise capital. When you invest in a primary bond, you lend money to the issuer and in return receive regular interest (coupon payments) and the principal amount at maturity.

Primary bonds are considered safer than equity investments and are widely used for income generation and portfolio stability.

Types of Primary Bonds

InvestmentVala offers access to various types of bonds:

Fixed Deposit vs Primary Bond – Which is Better?

Both Fixed Deposits and Primary Bonds serve similar purposes but suit different needs:

• Fixed Deposits offer simplicity, liquidity, and easy understanding.
• Primary Bonds may offer better returns and tax efficiency depending on the structure.
• Bonds allow diversification across issuers, while FDs are usually limited to banks or companies.
• Bonds can be held till maturity or sometimes traded later in the market.

A balanced financial plan often includes both FDs and Bonds to ensure safety, liquidity, and steady income.