FD kya hai — fixed deposit par byaaj ka illustration

FD Kya Hai? 2026 Mein Fixed Deposit Par 6.45% Tak Byaaj — Poori Guide

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FD kya hai, yeh sawaal har us vyakti ke mann me aata hai jo apne paise ko poori suraksha ke saath badhana chahata hai. Fixed Deposit (FD) bank ki sabse lokpriya bachat yojana hai — aap ek tay rakam ek tay avadhi ke liye jama karte hain, aur bank us par tay byaaj deta hai. Na share bazaar ka jokhim, na roj bhav dekhne ki chinta.

FD Kya Hai?

FD me aapka paisa 7 din se lekar 10 saal tak ki avadhi ke liye bank ke paas rehta hai. Avadhi poori hone par mool rakam ke saath byaaj wapas milta hai. Bank me jama paisa DICGC (RBI ki sahayak sanstha) dwara prati jamakarta prati bank ₹5 lakh tak beemit hota hai — isliye FD ko surakshit nivesh mana jata hai.

FD Par Kitna Byaaj Milta Hai? (Oct 2026 Rates)

1 October 2026 se lagu daron ke anusar SBI me: 1 saal ki FD par 6.25%, 2 saal par 6.40%, 3 saal par 6.30% aur 5 saal par 6.05% byaaj mil raha hai. Varishth nagrikon (60+ umr) ko aam taur par 0.50% adhik byaaj milta hai. 5 saal ki tax-saving FD par 6.05% byaaj hai. Chhote finance bank varishth nagrikon ko Oct 2026 me 8.50% tak byaaj de rahe hain. Udaharan: ₹1,00,000 ki 1 saal ki FD 6.25% par karne se lagbhag ₹6,250 byaaj milega. FD kya hai aur is par kitna byaaj milta hai, yeh janne ke baad ab FD ke mukhya niyam samajhte hain.

Bank me FD khata kholte hue varishth nagrik

FD Ke Mukhya Niyam

  • Nyuntam jama: aam taur par ₹1,000 se FD shuru ho jati hai (bank ke anusar antar ho sakta hai)
  • Avadhi: 7 din se 10 saal tak — apne lakshya ke hisab se chunein
  • Samay se pehle nikasi par bank jurmana lagata hai (aam taur par byaaj dar me kami)
  • Ek badi FD ke bajay alag-alag avadhi ki chhoti FDs banana samajhdari hoti hai — zaroorat par ek todni pade, baki chalti rahein

FD Par Tax Ka Kya Niyam Hai?

  • FD ka byaaj poori tarah kar-yogya hai — yeh aapki kul aay me judta hai aur aapke tax slab ke anusar tax lagta hai
  • Bank nirdharit seema se adhik byaaj par TDS kaat leta hai
  • Agar aapki kul aay tax-seema se kam hai to Form 15G (60 se kam umr) ya Form 15H (varishth nagrik) jama karke TDS rukwaya ja sakta hai
  • 5 saal ki tax-saving FD me jama rakam par purane tax regime me dhaara 80C ke tahat ₹1.5 lakh tak chhoot milti hai (lekin byaaj par tax lagta hai)

FD Kiske Liye Sahi Hai?

FD kya hai, yeh samajh liya — ab dekhte hain FD kiske liye sahi hai. FD unke liye sabse achha hai jo: jokhim bilkul nahi lena chahte, 1–3 saal ke chhote lakshya (shaadi, emergency fund, fees) ke liye paisa jod rahe hain, ya retired jeevan me nishchit aay chahate hain. Har mahine nishchit aay chahiye to Post Office Monthly Income Scheme dekhein; lambi avadhi me zyada return ke liye PPF ya NSC jaise vikalp samjhein.

FD me byaaj se paisa badhne ka illustration

FD Khata Kaise Kholein? (Steps)

  1. 2–3 banks ki byaaj daron ki tulna karein (bank ki official website par taza dar dekhein)
  2. Net banking/mobile app me “Fixed Deposit” section kholein ya branch jayein
  3. Rakam, avadhi chunein aur nominee ka naam jodein
  4. Pushti karein — FD receipt ya SMS sambhalkar rakhein

Aadhikarik Srot

  • SBI ki FD byaaj dar suchi (1 October 2026 se lagu dar)
  • DICGC — ₹5 lakh jama beema (dicgc.org.in, RBI)
  • Hindu BusinessLine, 2 October 2026 — banks ki FD daron ki tulna

FD kya hai, yeh janne ke baad nivesh aur bachat se jude aise hi aur finance guides padhte rahiye.

Disclaimer: Yeh sirf jaankari hai, financial advice nahi hai. FD karane se pehle bank ki taza byaaj dar aur niyam zaroor pusht karein.

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