{"id":8321,"date":"2025-08-12T09:42:20","date_gmt":"2025-08-12T09:42:20","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&#038;p=8321"},"modified":"2025-08-12T09:42:20","modified_gmt":"2025-08-12T09:42:20","slug":"fixed-deposit-check-latest-fd-schemes-in-india-2025","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/fixed-deposit-check-latest-fd-schemes-in-india-2025\/","title":{"rendered":"Fixed Deposit\u00a0\u2013 Check Latest FD Schemes in India\u00a02025"},"content":{"rendered":"\n<p>Banks and financial institutions periodically launch special FD schemes to attract customers. These schemes might offer higher interest rates for specific tenures (e.g., 444\u00a0days or 500\u00a0days), flexible payout options, or additional benefits for targeted groups (such as senior citizens or women depositors). Examples include SBI\u2019s <strong>Amrit Vrishti 444\u2011day<\/strong> scheme (interest rate around 6.60\u00a0%), Shriram Finance\u2019s <strong>60\u2011month<\/strong> FD yielding up to 8.40\u00a0%, and post\u2011office 5\u2011year deposits at 7.50\u00a0%. When choosing an FD scheme, compare the rate, tenure, compounding frequency, and bank\u2019s creditworthiness.<\/p>\n\n\n\n<h2 id='features-to-evaluate-in-fd-schemes'  id=\"boomdevs_1\" class=\"wp-block-heading\">Features to Evaluate in FD Schemes<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Factor<\/th><th>Considerations<\/th><\/tr><\/thead><tbody><tr><td>Interest rate<\/td><td>Check if it is higher than regular FDs and by how much<\/td><\/tr><tr><td>Tenure<\/td><td>Special tenures may not align with your liquidity needs<\/td><\/tr><tr><td>Compounding frequency<\/td><td>Cumulative, monthly or quarterly payout options<\/td><\/tr><tr><td>Bank credibility<\/td><td>Prefer banks and NBFCs with high safety ratings<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Invest only after reading the scheme\u2019s terms, particularly premature withdrawal rules.<\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-8321","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/8321","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=8321"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}