Fixed Deposit Account
Grow Your Savings with Guaranteed Returns
A Fixed Deposit (FD) is a trusted financial instrument where your principal is safe and returns are guaranteed. Whether you're saving for a future goal or looking for a stable income stream, SINL Fixed Deposits offer attractive interest rates with flexible tenures.
Why Choose SINL Fixed Deposits?
Experience safety, flexibility, and attractive returns
Guaranteed Returns
No market volatility. Your investment grows securely with predetermined interest rates.
Easy Liquidity
Premature withdrawal available with minimal penalty. Access your funds when needed.
Flexible Tenure
Choose from 1 to 5 years based on your financial goals. Align deposits with milestones.
Higher Interest Rates
Earn up to 11%* p.a. with our special FD plans. Senior citizens get additional benefits.
Doorstep Service
Convenient pickup and drop for documents. Hassle-free account opening process.
Loan Against FD
Get up to 70% of your deposit as loan without breaking your FD.
Attractive Rate of Interest
Competitive returns across tenures
FD 1-YEAR
Interest Rate: 10% p.a.| DEPOSIT (₹) | MATURITY (₹) | PERIOD |
|---|---|---|
| 5,000 | 5,500.00 | 1 |
| 10,000 | 11,000.00 | 1 |
| 20,000 | 22,000.00 | 1 |
| 30,000 | 33,000.00 | 1 |
| 40,000 | 44,000.00 | 1 |
| 50,000 | 55,000.00 | 1 |
| 1,00,000 | 1,10,000.00 | 1 |
| 2,00,000 | 2,20,000.00 | 1 |
FD 2-YEAR
Interest Rate: 10.5% p.a. (compounded)| DEPOSIT (₹) | MATURITY (₹) | PERIOD |
|---|---|---|
| 5,000 | 6,105.00 | 2 |
| 10,000 | 12,210.00 | 2 |
| 20,000 | 24,420.00 | 2 |
| 30,000 | 36,631.00 | 2 |
| 40,000 | 48,841.00 | 2 |
| 50,000 | 61,051.00 | 2 |
| 1,00,000 | 1,22,102.00 | 2 |
| 2,00,000 | 2,44,205.00 | 2 |
FD 3-YEAR
Interest Rate: 11% p.a. (compounded)| DEPOSIT (₹) | MATURITY (₹) | PERIOD |
|---|---|---|
| 5,000 | 6,838.00 | 3 |
| 10,000 | 13,676.00 | 3 |
| 20,000 | 27,353.00 | 3 |
| 30,000 | 41,029.00 | 3 |
| 40,000 | 54,705.00 | 3 |
| 50,000 | 68,382.00 | 3 |
| 1,00,000 | 1,36,763.00 | 3 |
| 2,00,000 | 2,73,526.00 | 3 |
*Rates are subject to change. Special rates for senior citizens & Prime Members.
FD Maturity Calculator
Estimate your returns instantly
Returns
Secure Your Future
with Guaranteed Returns
Enter deposit amount, tenure, and interest rate to calculate maturity amount.
Investment Questions? Check Our Faq’s Page.
Deposit Amount (₹)
Tenure
Interest Rate (% p.a.)
Interest Earned
₹43,562Total Investment
₹1,00,000Build Wealth
Step by Step
Enter monthly installment, tenure, and interest rate to calculate maturity amount.
Investment Questions? Check Our Faq’s Page.
Monthly Deposit (₹)
Tenure
Interest Rate (% p.a.)
Interest Earned
₹58,869Total Investment
₹3,00,000Double Your Money
in Specified Time
Enter deposit amount and find out how long it takes to double at given interest rate.
Investment Questions? Check Our Faq’s Page.
Deposit Amount (₹)
Interest Rate (% p.a.)
Tenure (Years)
Interest Earned
₹99,900Total Investment
₹1,00,000Regular Income
from Your Savings
Enter investment amount and interest rate to calculate monthly income.
Investment Questions? Check Our Faq’s Page.
Investment Amount (₹)
Interest Rate (% p.a.)
Tenure (Years)
Total Interest Earned
₹1,80,000Maturity Amount
₹6,80,000Grow Your Wealth
with Market-Linked Returns
Enter investment amount, expected return rate, and tenure to estimate future value.
Investment Questions? Check Our Faq’s Page.
Lump Sum Amount (₹)
Monthly SIP (₹) (Optional)
Expected Return (% p.a.)
Tenure (Years)
Total Invested
₹1,00,000Total Gains
₹2,10,585Terms & Conditions
Know the rules before you invest
General Rules
- Mandatory to become a member of the company.
- Minimum ₹10,000 and in multiples of ₹1,000 thereafter.
- Interest is compounded yearly.
- TDS will be deducted as per Income Tax Act.
- No premature withdrawal before 3 months.
- No interest if matured between 3 to 6 months.
- Premature withdrawal after 6 months: 2% less than maturity amount.
- Loan up to 70% of deposit available after 1 month.
- Stationery charge of ₹100 for premature withdrawals.
- Special rates for senior citizens, women, ex-servicemen, govt employees, Prime Members.
Additional Terms & Documentation
Tenure & Payment
Tenure: 12 months or more. Payments via cash, cheque, or draft only. Cheques subject to clearance.
Eligibility
Minimum 18 years. Minors require a guardian who is a member.
KYC Documents Required
Identity Proof: Aadhaar, PAN, Voter ID, Passport, Driving License, etc.
Address Proof: Utility bills, Bank Statement, Aadhaar, etc.
*Company reserves the right to change scheme terms. In case of dispute, management decision is final.