{"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>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>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":[],"_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}]}}