Fixed Deposits
Women benefits · Extra interest

Fixed Deposits that pay women a little more

  • Up to +0.10% p.a. extra for women
  • 100% paperless booking on Finzace

+0.10%

Extra interest for women

₹5L

DICGC insured (banks)

₹1,000

Minimum to start

Women Bonus

+ 0.010%

Applied automatically on eligible FDs when you book.

Bank building with growth chart illustration
Senior citizen

9 FDs

Suryoday Small Finance Bank icon

Suryoday Small Finance Bank

NBFC

+0.10%

8.60% p.a.

for 15 months

Women +0.10% · base 8.50%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,11,222

Book FD
Suryoday Small Finance Bank icon

Suryoday Small Finance Bank

NBFC

+0.10%

8.50% p.a.

for 2 years

Women +0.10% · base 8.40%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,18,320

Book FD
Suryoday Small Finance Bank icon

Suryoday Small Finance Bank

NBFC

+0.10%

7.85% p.a.

for 5 years

Women +0.10% · base 7.75%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,47,506

Book FD
Shriram Finance icon

Shriram Finance Ltd

NBFC

+0.10%

7.70% p.a.

for 5 years

Women +0.10% · base 7.60%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,46,425

Book FD
Unity Small Finance Bank icon

Unity Small Finance Bank

NBFC

+0.10%

7.60% p.a.

for 1 year

Women +0.10% · base 7.50%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,07,819

Book FD
Bajaj Finance icon

Bajaj Finance Ltd

NBFC

+0.10%

7.40% p.a.

for 5 years

Women +0.10% · base 7.30%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,44,285

Book FD
Mahindra Finance icon

Mahindra Finance Ltd

NBFC

+0.10%

7.25% p.a.

for 5 years

Women +0.10% · base 7.15%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,43,226

Book FD
Unity Small Finance Bank icon

Unity Small Finance Bank

NBFC

+0.10%

6.85% p.a.

for 3 years

Women +0.10% · base 6.75%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,22,600

Book FD
Unity Small Finance Bank icon

Unity Small Finance Bank

NBFC

+0.10%

6.85% p.a.

for 17 months

Women +0.10% · base 6.75%

Min ₹1,000
PayoutCumulative / Monthly

₹1L grows to

1,09,789

Book FD

DICGC insured

Bank deposits covered up to ₹5 lakh per depositor.

Book in 5 minutes

100% paperless KYC with PAN & Aadhaar.

No new account

Use your existing bank account to invest.

Zero platform fee

Finzace charges you nothing to book an FD.

How the women benefit on Fixed Deposits works

Many Indian banks and NBFCs offer women depositors a small interest premium — typically up to 0.10% per annum over the standard card rate — on selected Fixed Deposits. It's a modest but real edge: on a ₹5,00,000 FD held for three years, even 0.10% extra adds up over the full term, with no extra effort on your part.

On Finzace, the women benefit is applied automatically from your KYC details when you book an eligible FD — there's no separate form or certificate to submit. Where an issuer offers both a women benefit and a senior-citizen benefit, the higher of the two usually applies rather than both stacked, as per that issuer's policy.

Bank FDs shown here are insured by the DICGC up to ₹5 lakh per depositor per bank. NBFC deposits are not DICGC-insured; instead they carry a credit rating (such as CRISIL or ICRA), shown on each card, which reflects the issuer's repayment strength. The final applicable rate and maturity value are always confirmed by the issuer at the time of booking.

FD Maturity Calculator

Women's FDs · Quarterly compounding

Investment amount1,000 – ₹29,99,999
Interest rate & tenure
I'm a senior citizen
Age 60+ · extra interest on eligible tenures
You invest₹90,000
Interest earned₹159
PrincipalInterest
Maturity amount90,159
Annual yield4.33% p.a.

Women-benefit FD questions

Yes — many partner banks and NBFCs on Finzace offer women depositors a preferential rate on selected FDs, typically up to 0.10% p.a. above the standard card rate for the same tenure. The benefit is applied when you book an eligible scheme and your KYC profile meets the issuer’s criteria.

It depends on the issuer. Where both a women benefit and a senior-citizen benefit are available, most issuers apply the higher of the two rather than stacking both. Use the Senior citizen toggle above to preview indicative rates; the booking screen confirms the final rate before you pay.

Bank fixed deposits listed here are issued by RBI-regulated entities. Eligible bank deposits are insured by the DICGC up to ₹5 lakh per depositor per bank (principal plus accrued interest). NBFC FDs are not DICGC-insured; each card shows a credit rating (such as CRISIL or ICRA) so you can assess issuer risk.

Booking is 100% paperless on Finzace. You typically need PAN and Aadhaar for KYC, plus a bank account for payout. There is usually no separate women-benefit certificate — eligibility is picked up from your KYC details when you book an eligible FD.

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