Description

Fixed Deposits: Investing for a Secure Future Grow your savings with fixed, assured returns. Investing in Fixed Deposits (FDs) and Corporate Fixed Deposits with Tre Sessanta is a reliable way to secure your savings. These financial instruments offer assured returns, a fixed tenure, and capital protection, making them a cornerstone of any low-risk investment portfolio. We provide a platform to compare and invest in a wide range of FDs from leading banks and top-rated corporations. 👉 Secure your savings with - https://centricity.blostem.com/?agentCode=CEN0035053 How Fixed Deposits Help You Fixed deposits are an excellent choice for investors seeking stability and predictable growth. Key benefits include:  Assured Returns: The interest rate is locked in at the time of investment, so you know exactly what your returns will be.  Capital Safety: Your principal amount is safe and will be returned upon maturity, making it a low-risk investment.  Flexible Tenure: Choose from a wide range of tenures, from a few months to several years, to match your financial goals.  Higher Returns: Corporate FDs, in particular, often offer a higher interest rate than traditional bank FDs, providing enhanced returns.  Liquidity: In case of an emergency, you can liquidate your FD before maturity, though a penalty may apply. Understanding Fixed Deposit Ratings Similar to bonds, corporate fixed deposits also come with credit ratings that indicate the safety and creditworthiness of the issuer.  AAA (Triple-A): This is the highest credit rating, indicating the highest level of safety and a very low risk of default. It signifies that the company has an exceptionally strong capacity to meet its financial obligations.  AA (Double-A): This rating denotes a very high level of safety and a low risk of default. The issuer's capacity to repay is strong, but slightly more susceptible to economic changes than a triple-A-rated issuer.  A (Single-A): This rating is considered safe, but with a slightly higher risk than AA. The issuer's ability to meet its financial commitments is strong, but they may be more vulnerable to adverse business or economic conditions.  BBB (Triple-B): This rating is the lowest in the investment-grade category. It indicates that the issuer has an adequate capacity to repay, but adverse economic conditions could impair this capacity. Eligibility and Documents Required Investing in fixed deposits is a straightforward process with minimal documentation. Eligibility Criteria  Identification: You must be an Indian citizen with a valid PAN and Aadhaar card.  Bank Account: A bank account in your name is mandatory for all transactions. Basic Documents Required  Proof of Identity (POI): PAN Card (mandatory).  Proof of Address (POA): Aadhaar Card, Passport, or Voter ID.  Proof of Bank Account: A cancelled cheque or the first page of your bank passbook. FAQs a. What is the difference between a Bank FD and a Corporate FD? • A Bank FD is a deposit with a commercial bank. • A Corporate FD is a deposit with a company (NBFCs, HFCs, etc.). • Corporate FDs generally offer higher interest rates but may carry a slightly higher risk depending on the company's credit rating. b. What is the tenure of a Fixed Deposit? • The tenure can range from 7 days to 10 years for bank FDs, while corporate FDs typically have tenures from 1 to 5 years. c. Is my money safe in Fixed Deposits? • Bank FDs are secured by the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per bank. • Corporate FDs are not covered by DICGC, which is why it's crucial to invest in highly-rated FDs from credible companies. d. What is the role of Tre Sessanta? • We act as a facilitator, providing you with a platform to invest in a wide range of fixed deposits and assisting you with the documentation and transaction process. Statutory Disclaimer & Important Information “Investment in Fixed Deposits and Corporate Fixed Deposits is subject to issuer-specific risks. Investors are advised to read all related documents carefully and consult their financial advisor before investing.” Bank Fixed Deposits (FDs) • Bank FDs are offered by RBI-regulated banks and may be covered under the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to ₹5 lakh per depositor per bank. • Interest rates, tenures, and premature withdrawal terms are governed by the issuing bank and may change without prior notice. • Tre Sessanta acts solely as a facilitator and does not guarantee returns, safety, or timely pay outs. Corporate Fixed Deposits (CFDs) • CFDs are issued by NBFCs and corporates registered with RBI or other regulators. These are not covered under DICGC insurance. • CFDs carry credit risk, liquidity risk, and interest rate risk, and are subject to the financial health of the issuer. • Tre Sessanta does not endorse or assure the creditworthiness of any issuer. Investors must rely on publicly available ratings and disclosures. • Premature withdrawal may be restricted or penalized as per issuer terms. General Risk & Role Disclosure • Tre Sessanta Financial Services Pvt. Ltd. does not accept investor funds directly. All investments are routed through official issuer channels. • The firm does not provide investment advice and is not liable for any loss, delay, or default arising from issuer actions or regulatory changes. • Investors must assess their risk appetite, investment horizon, and financial goals before investing. General Disclaimer  All information provided on this website is intended solely for educational and informational purposes.  Tre Sessanta Financial Services Pvt. Ltd. does not offer investment advice, nor does it guarantee future performance of any fixed deposit product.  We do not accept deposits directly. Our role is limited to facilitating access to fixed deposit offerings from regulated banks and corporations. Credit Ratings & Risk  Corporate FDs are rated by independent credit rating agencies. Ratings such as AAA, AA, A, and BBB indicate varying levels of safety and risk.  Investors are advised to carefully evaluate the credit rating and financial strength of the issuer before investing.  Tre Sessanta does not guarantee the repayment, interest rate, or liquidity of any fixed deposit product. Role of Tre Sessanta  Tre Sessanta acts as a facilitator, providing access to the platform to compare and invest in fixed deposits from trusted issuers. Risk Disclosure Investment in securities and fixed income products are subject to market risks. Past performance is not indicative of future returns. Please read all related documents carefully before investing. Limitation of Liability  Tre Sessanta assumes no responsibility for the legality, accuracy, or completeness of third-party content or issuer policies.  All transactions are subject to the terms and conditions of the respective issuer and client.  Investors are advised to consult with a qualified financial advisor before making any investment decisions.  No Advisory Role Tre Sessanta does not provide investment advice or recommendations. All decisions are made solely by the investor, and professional financial consultation is advised.  Regulatory Adherence All transactions are governed by SEBI, RBI, and FEMA guidelines. Investors confirm their eligibility to invest under prevailing laws.  Due Diligence Investors must read offer documents, term sheets, and disclosures carefully. Tre Sessanta is not liable for any loss arising from reliance on incomplete or inaccurate information.  Platform Limitation Tresessanta acts solely as a facilitator. It does not assume responsibility for delays, defaults, or disputes between investors and issuers.