{"id":8240,"date":"2025-08-12T06:43:56","date_gmt":"2025-08-12T06:43:56","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=8240"},"modified":"2025-08-12T06:43:56","modified_gmt":"2025-08-12T06:43:56","slug":"types-of-fixed-deposits-fd-latest-schemes-in-india-2025","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/types-of-fixed-deposits-fd-latest-schemes-in-india-2025\/","title":{"rendered":"Types of Fixed Deposits (FD) &#8211; Latest Schemes in India 2025"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Banks and financial institutions offer various types of fixed deposits to cater to different needs. The major types are summarised below.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Type<\/th><th>Description<\/th><\/tr><\/thead><tbody><tr><td>Regular FD<\/td><td>Standard deposit with fixed tenure and rate; premature withdrawal allowed<\/td><\/tr><tr><td>Tax-saving FD<\/td><td>5-year lock-in; eligible for Section 80C deduction up to \u20b91.5 lakh<\/td><\/tr><tr><td>Flexi\/Sweep-in FD<\/td><td>Linked to savings account; offers liquidity and FD returns<\/td><\/tr><tr><td>Senior citizen FD<\/td><td>Special scheme for individuals aged 60+; offers higher interest<\/td><\/tr><tr><td>NRE\/NRO FD<\/td><td>Deposits for NRIs; NRE interest tax-free and fully repatriable; NRO interest taxable<\/td><\/tr><tr><td>Non-callable FD<\/td><td>Locked until maturity; offers slightly higher rate<\/td><\/tr><tr><td>Company FD<\/td><td>Issued by NBFCs and corporates; higher returns but higher risk<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Each type of FD serves a specific purpose. Evaluate your liquidity needs, tax considerations and risk appetite before choosing the right deposit.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-8240","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Team Lemonn","author_link":"https:\/\/lemonn.co.in\/blog\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"Banks and financial institutions offer various types of fixed deposits to cater to different needs. The major types are summarised below. Type Description Regular FD Standard deposit with fixed tenure and rate; premature withdrawal allowed Tax-saving FD 5-year lock-in; eligible for Section 80C deduction up to \u20b91.5 lakh Flexi\/Sweep-in FD Linked to savings account; offers&hellip;","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/8240","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=8240"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}