Trusted Fixed Deposits and Investment Bonds for Guaranteed Returns

Prasar Finserv empowers you with secure, low-risk investment options like Fixed Deposits and Bonds—ideal for growing your wealth steadily without the market volatility

Return as high as 7.1%*

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    5000 Cr.

    Fixed Deposit Accounts Managed

    8.5%

    Access to Highest ROI on Fixed Deposits

    90%

    of Bonds Offered Are AAA Rated

    100₹ +

    Crore in Fixed-Income Investments Facilitated

    Fixed Deposit, Fixed Returns with Unshakable Trust — Only with Prasar Finserv

    When it comes to secure investments, thousands trust Prasar Finserv for a reason. We bring you the highest FD rates, 90% AAA-rated bond options, and curated products from top-rated banks and issuers. With SEBI-registered advisors and a zero-bias advisory model, we make fixed-income investing simple, transparent, and rewarding. If you value safety with returns that don’t disappoint, it’s time to choose Prasar Finserv.

    Access to high-interest FDs
    from top-rated banks and NBFCs

    We connect you with top banks and NBFCs offering the best interest rates, secure terms, and flexible fixed deposit options.

    Exclusive access to tax-saving
    and high-yield bond options

    Gain access to premium, carefully vetted bonds that offer attractive returns and tax benefits, tailored to optimize your fixed-income portfolio..

    End-to-end support from
    investment selection to execution

    Our team guides you through every step—assessing goals, selecting investments, and ensuring smooth, compliant execution for a stress-free experience.

    Trusted by professionals,
    retirees, and HNIs across India

    Trusted by professionals, retirees, and HNIs across India for delivering reliable, high-quality fixed-income solutions with consistent returns and expert support.

    SEBI-registered advisors providing
    unbiased, expert guidance

    We offer expert, unbiased guidance to help you confidently navigate and invest in the best fixed-income opportunities available.

    Zero hidden charges, complete
    clarity, and secure documentation

    Enjoy transparent investments with no hidden fees, full clarity on terms, and secure documentation for a trustworthy, hassle-free experience.

    Maximize Your Savings with the Best Fixed Deposit Rates

    Fixed Deposits offer guaranteed returns with minimal risk, making them ideal for conservative investors. At Prasar Finserv, we compare FD rates across leading banks and NBFCs to help you earn more on your idle funds. Choose from flexible tenures and payout options that match your goals. Get started with competitive FD rates tailored to your financial plan.

    Top 10 Banks with the Best Fixed Deposit Interest Rates in 2025

    Unlock the best fixed deposit interest rates from India’s top 10 banks for FY 2025–26 and grow your savings smarter.

    Comparison of the Best Fixed Deposit Interest Rates in India (2025–26)

    With Prasar Finserv you can compare your best option to invest in for best fixed deposit rates.

    Fixed Deposit Interest Rates by Top 10 Private Sector Banks in India (2025–26)

    Compare the best fixed deposit interest rates offered by leading private sector banks in India to find high-return, low-risk options tailored to your financial goals.

    Fixed Deposit Interest Rates by Top 10 Private Sector Banks in India (2025–26) Finance Banks

    Explore the top 10 small finance banks offering the highest fixed deposit interest rates for FY 2025–26 to maximize your returns.

    Post Office Fixed Deposit (FD) Interest Rates for FY 2025–26

    Discover secure, government-backed fixed deposit options from India Post with competitive interest rates and tenures ranging from

    Let Prasar Finserv choose the right Fixed Deposits for you-

    Explore a curated selection of fixed deposits from trusted banks, NBFCs, and institutions—personally recommended by Prasar Finserv to match your financial goals.

    Standard Fixed Deposits

    Traditional FDs with fixed tenures and guaranteed returns from top banks and NBFCs.

    Tax-Saver Fixed Deposits

    5-year lock-in FDs that offer tax benefits under Section 80C of the Income Tax Act.

    Cumulative Fixed Deposits

    Interest is compounded and paid at maturity—ideal for long-term wealth building.

    Non-Cumulative Fixed Deposits

    Interest is paid monthly, quarterly, or annually—great for generating regular income.

    Senior Citizen Fixed Deposits

    Special FDs with higher interest rates and flexible payout options for individuals aged 60+.

    Corporate Fixed Deposits

    Offered by reputed NBFCs and corporates, these FDs provide higher interest rates than traditional bank FDs.

    Floating Rate Fixed Deposits

    Interest rates are linked to market benchmarks and adjust periodically—suited for those comfortable with rate fluctuations.

    Types of Fixed Deposits for Non Resident Individuals (NRIs) in India

    Non-Resident Indians (NRIs) and Persons of Indian Origin (PIOs) can choose from a range of fixed deposit options in India, tailored to suit their income sources and currency preferences:

    NRE (Non-Resident External) Fixed Deposit

    Ideal for depositing foreign earnings in India. Fully repatriable with tax-free interest.

    NRO (Non-Resident Ordinary) Fixed Deposit

    Suitable for depositing income earned in India (rent, dividends, etc.). Interest is taxable and partially repatriable.

    FCNR (Foreign Currency Non-Resident) Fixed Deposit

    Allows NRIs to maintain fixed deposits in foreign currencies like USD, GBP, EUR. No currency risk and tax-free interest.

    RFC (Resident Foreign Currency) Fixed Deposit

    For returning NRIs to hold foreign currency in India with no exchange risk. Interest is fully repatriable and tax-free under certain conditions.

    Prasar Finserv helps NRIs choose the right fixed deposit—whether for tax efficiency, currency safety, or higher returns.

    Why Fixed Deposits with Prasar Finserv Are a Smarter Way to Grow Your Wealth

    Prasar Finserv connects you to high-interest, secure, and tax-efficient fixed deposit options — expertly matched to your financial goals.

    Guaranteed Returns

    Enjoy stable and predictable interest income, regardless of market fluctuations.

    DICGC Insurance Coverage

    Deposits up to ₹5 lakh per bank are insured, offering added security.

    Tax-Saving Opportunities

    Get up to ₹1.5 lakh tax deduction under Section 80C with eligible 5-year tax-saving FDs.

    Loan & Credit Access

    Use your fixed deposit as collateral to avail loans or secure a credit card easily.

    Investment Bonds: Smart, Stable, and Rewarding Options for Investors

    At Prasar Finserv, we bring you expertly curated investment bonds that offer steady returns, capital preservation, and long-term wealth creation. Whether you’re a seasoned investor or just starting out, our team ensures you access the best opportunities in bond investment in India.

    Why Choose Prasar Finserv for Investment Bonds

    Partner with Prasar Finserv for expert-curated investment bonds that align with your goals, risk appetite, and return expectations.

    Safety, Stability & Smart Returns

    We help you invest in a wide range of options including government bonds, corporate bonds, and sovereign gold bonds, selected for reliability and long-term growth.

    Expert Guidance

    Unsure about how to invest in bonds? Our experts guide you through every step—matching the right bond to your financial goals.

    100% Digital Process

    With Prasar Finserv, investing in RBI bonds, gold bond investment, and more is completely online—fast, secure, and seamless.

    Explore Our Range of Bond Investment Options

    Explore our curated selection of bond investment options, from government and corporate bonds to sovereign gold bonds, designed to balance risk and reward.

    Investing in Government Bonds

    Investing in government bonds offers a low-risk way to generate predictable income while safeguarding your capital. Prasar Finserv simplifies the process of how to invest in government bonds through trusted platforms like RBI Retail Direct.

    Key Benefits:

    Sovereign-backed security

    Fixed interest payouts

    Ideal for long-term conservative investors

    Investing in Corporate Bonds

    Investing in corporate bonds allows you to earn higher interest by lending to reputed companies. Prasar Finserv filters only the most credible, credit-rated corporate bond opportunities.

    Why Invest Through Prasar Finserv:

    Competitive returns over FDs

    Access to rated, quality issuers

    Options across tenures and sectors

    Gold Bond Investment (SGBs)

    Sovereign Gold Bonds offer an excellent way to earn returns linked to gold prices, without the hassle of physical storage. Issued by the RBI, these bonds provide both interest and asset appreciation.

    How to Invest in Sovereign Gold Bonds:

    Apply online during RBI’s subscription windows

    Choose digital or physical format

    Enjoy 2.5% annual interest plus tax-free maturity value

    How to Invest in Bonds in India

    Whether you’re exploring how to invest in bonds in India, or deciding between corporate and government bonds, Prasar Finserv offers:

    A curated marketplace of investment bonds

    Transparent comparison of returns, tenures, and credit quality

    End-to-end support from research to execution

    Know the Best Bonds to Invest in India

    The idea of a single best bond to invest in India is a myth. The “best” bond isn’t universal, it depends entirely on your financial goals, risk tolerance, investment horizon, and budget.
    For a retiree seeking fixed income, government bonds may be ideal. A young investor aiming for higher returns might prefer corporate bonds. Looking for long-term inflation protection and diversification? Gold bond investments through Sovereign Gold Bonds could be the right choice.

    Factors That Determine the Right Bond for You:

    Investment amount and budget

    Expected return and risk appetite

    Liquidity needs and lock-in period

    Tax implications and financial planning goals

    At Prasar Finserv, we don’t just recommend bonds – we assess your unique situation and help you choose from the most suitable investment bonds across categories like RBI bonds, sovereign gold bonds, corporate bonds, and government securities.


    There’s no one-size-fits-all answer. The best bond is the one that fits your life plan.

    Enjoy 2.5% annual interest plus tax-free maturity value

    Frequently asked question related to fixed deposits and investment bonds

    You can invest in gold bonds by purchasing Sovereign Gold Bonds (SGBs) issued by the Reserve Bank of India (RBI) on behalf of the Government of India. Applications can be made through scheduled banks, designated post offices, stock exchanges (like NSE and BSE), or online portals. These bonds are denominated in grams of gold, offer 2.5% annual interest, and can be held in demat or physical form.

    To invest in sovereign gold bonds, look out for the RBI’s issuance schedule, typically announced in tranches. Investors must provide PAN details and link their bank account. The bonds have an 8-year maturity with an exit option after 5 years and offer capital gains tax exemption on redemption, making them both tax-efficient and inflation-protected.

    To invest in bonds in India, use RBI Retail Direct, stock exchanges, or SEBI-registered platforms. Government securities can be bought in primary auctions or secondary markets, while corporate bonds are available through NSE/BSE-listed instruments. Always assess the issuer’s creditworthiness and check if bonds are secured, callable, or cumulative.

    To invest in government bonds, register with RBI Retail Direct or use your broker’s bond investing interface. Government bonds include G-Secs, T-Bills, and State Development Loans (SDLs). These are ideal for long-term investors seeking sovereign-backed instruments with fixed coupon payments. Some variants also allow periodic interest payouts.

    To invest in corporate bonds in India, access listed bonds via stock exchanges or purchase through private placements offered by financial institutions. Focus on bonds with high credit ratings (e.g., AAA) and assess yield-to-call, maturity structure, and the company’s financials. Institutional bond platforms like Bondskart, GoldenPi, or Prasar Finserv provide simplified digital access and expert curation.

    A fixed deposit (FD), also known as a term deposit, is a bank investment where you lock in a sum for a fixed tenure at a predetermined interest rate. FDs offer guaranteed returns, with interest paid cumulatively or at intervals, and are commonly used for capital preservation

    An fixed deposit calculator helps estimate maturity value based on principal, tenure, and interest. It computes compound interest and compares different interest on fixed deposit scenarios, making it easier to select the most profitable term.

    The best fixed deposit interest rates vary across banks and NBFCs. As of mid‑2025, top small finance banks are offering up to 9%, while public sector providers like SBI and HDFC provide around 7–7.5%

    Determining which bank is best for fixed deposit depends on more than just the rate. Consider factors like credit ratings, tenure flexibility, premature withdrawal rules, and convenience. While Bank of India currently offers up to ~7% p.a. (7.5% for senior citizens)

    SBI fixed deposit rates for general investors range up to approximately 7% p.a., with higher senior citizen benefits. HDFC bank fixed deposit interest rates currently range between 6.25%–7.25% for the public and 6.75%–7.75% for seniors

    Frequently Asked Questions

    Our client-first approach, expert-backed advisory, and holistic service structure set us apart.

    We offer health, life, motor, marine, and travel insurance customized to your needs.

    Yes, we provide advisory on mutual funds, SIPs, and help set up goal-aligned portfolios.

    Both. We serve professionals, families, small businesses, and corporate clients

    Yes. Our experts guide you through ELSS, PPF, and other tax-saving instruments.

    We offer one-on-one and group coaching in financial literacy, insurance, and investment planning

    Absolutely. We work under full regulatory compliance and transparency

    Yes, we offer dedicated coaching and investment programs for women professionals.

    Yes. Our retirement planning module includes investments, annuity plans, and insurance coverage.

    We begin with a free consultation, assess your goals, and build a custom strategy.

    Yes. We help identify the right opportunities based on tenure, interest rates, and safety.

    Yes. We provide specialized strategy consulting for distributors and trainers.