The Bank offers an attractive short-term fixed deposit (FD) scheme) for 2025, which enables an investor to make a substantial profit within 4 months. On depositing ₹17 lakh with this FD, investors stand to make interest of around ₹89,000, making it a high-yield, low-risk alternative for anyone seeking short-term profits.
This FD is suitable for anybody who wants his principal protected with assured return and does not want to get money locked up for lengthy periods.
Fixed Deposit Interest Rate & Tenure
Again, this Bandhan Bank FD for four months yields an interest of 6.5 to 6.7 percent per annum depending upon the branch and deposit amount. On a deposit of ₹17 lakh for 120 days, investors stand to make an interest payout of about ₹89,000 on maturity.
The bank ensures full safety of the principal amount and pays out interest at the expiration of the tenure. This kind of short-term FD is perfect for an investor who wants quick returns and minimal risk exposure from the markets.
Taxation on FD Interest
Any interest earned on Bandhan Bank FD is fully taxable as per the investor’s income slab. Conversely, a senior citizen investing in such FDs may claim exemption on interest income up to ₹50,000 a year under Section 80TTB.
Further, it is advised for investors to take into consideration tax on income so as to know their net profit realistically, thereby facilitating planning of their finances.
Why Choose Bandhan Bank FD-2025?
Advantages with a Bandhan Bank FD are:
- Short-term with an unusually high return; best for any investor in need of fast liquidity.
- Guaranteed principal and interest by the good name of the bank.
- Lesser risk compared to market-linked instruments like stocks or mutual funds.
The FD is created for a cautious investor, a retiree, or someone willing to park excess funds for just a few months at alluring returns.
How to Invest
Investors can open their Bandhan Bank FD online or visit any branch with identity and address proof. It is an uncomplicated process wherein the investors may also select if they want the interest to be cumulative or noncumulative, i.e., pay out at maturity or periodically.
With a digital banking facility in place, the entire process of opening and monitoring an FD is very convenient, allowing the investor to keep track of returns seamlessly.
Conclusion
The Bandhan Bank FD of ₹17 lakh for 4 months is a perfect investment option for people looking for safe, high-yield, and short-term returns. This FD will allow the investor to maximize income without risking market uncertainties, offering flexible tenures, full capital protection, and interest earnings to the tune of ₹89,000.