FinAnalyz Knowledge Center

Fixed Deposits

Fixed deposits (FDs) are a financial instrument provided by banks or NBFCs which offers investors a higher rate of interest than a regular savings account, until the given maturity date. It is considered one of the safest investment options with guaranteed returns.

Recurring Deposits

Recurring Deposits (RDs) are a special kind of term deposit offered by banks which help people with regular incomes to deposit a fixed amount every month into their RD account and earn interest at the rate applicable to Fixed Deposits. It encourages regular savings and provides decent returns.

Mutual Funds

Mutual funds pool money from many investors to purchase securities. They offer a variety of schemes catering to different risk appetites and investment goals, such as equity funds, debt funds, and hybrid funds. They are managed by professional fund managers and are regulated by SEBI.

Provident Fund

Provident Fund (PF) is a government-managed retirement savings scheme for employees, where both the employer and employee contribute a fixed percentage of the salary. It accumulates contributions over time, along with interest, to provide financial security after retirement.

Real Estate Investment Trusts (REITs)

REITs are companies that own, operate, or finance income-producing real estate. They offer a way for individual investors to earn a share of the income produced through commercial real estate ownership, without actually having to buy, manage, or finance any properties.

Life Insurance

Life insurance is a contract between an insurer and a policyholder in which the insurer guarantees payment of a death benefit to named beneficiaries upon the death of the insured. It provides financial protection and security to the policyholder's family.

Health Insurance

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. It can also provide benefits for preventive services, prescription drugs, and emergency services, ensuring financial protection against high medical costs.

Personal Loans

Personal loans are unsecured loans provided by financial institutions based on criteria such as income level, credit history, and employment status. They can be used for various personal expenses like debt consolidation, home renovation, or unexpected medical expenses.

Business Loans

Business loans are financial products designed to support businesses in need of funding for various purposes, such as expanding operations, purchasing equipment, or managing cash flow. They can be secured or unsecured and come with varying terms and interest rates based on the lender's assessment of the business's creditworthiness.

Systematic Investment Plans (SIPs)

Systematic Investment Plans (SIPs) are a disciplined and efficient investment strategy that allows investors to invest a fixed amount of money at regular intervals, typically monthly, into mutual funds

Systematic Withdrawal Plans (SWPs)

Systematic Withdrawal Plans (SWPs) are investment strategies where mutual fund investors periodically withdraw a predetermined amount from their holdings, providing a steady income stream without the need for lump-sum withdrawals.

The Voluntary Provident Fund (VPF)

The Voluntary Provident Fund (VPF) is a beneficial extension of the Employees’ Provident Fund (EPF) that allows employees to contribute more than the mandatory 12% of their basic salary and dearness allowance towards their provident fund, potentially up to 100% of their salary.

Public Provident Fund (PPF)

The Public Provident Fund (PPF) is a secure, government-backed savings scheme introduced in India in 1968 to encourage long-term investments for retirement.