We offer superior fixed deposit rates compared to those offered by traditional bank FDs.

FDs, also called term deposits or time deposits, are financial instruments offered by HBF Nidhi. It allows individuals to deposit a sum of money for a fixed period at a predetermined interest rate that is generally higher than a regular savings account. Here’s a detailed description to help you understand fixed deposits clearly:

• Fixed Tenure: FDs have a fixed maturity period, which can range from one year to five years. Once you deposit the money, you cannot withdraw it before the maturity date since we are offering non breakable FDs only .
• Fixed Interest Rate: The interest rate for the FD is determined at the time of deposit and remains constant throughout the deposit period. HBF Nidhi offers competitive interest rates of 9% , 9.75% & 11% for investments held for one year, three years and five years respectively.
Interest Payment Options: Interest can be paid along with the principal at maturity, depending on the terms agreed upon at the time of opening the FD.
• Safety and Security: FDs are considered safe investments in HBF NIDHI where ,we protect depositors' funds.
• Stable Returns : FDs offer stable returns with predictable interest income, making them suitable for individuals looking for low-risk investment options.
• Preservation of Capital: The principal amount invested in an FD remains secure and is not subject to market fluctuations like stocks or mutual funds.
• Interest Rates: Depending on the terms agreed upon at the time of opening the FD .