Debt & Deposits
Fixed deposits (FDs), recurring deposits (RDs) and bonds pay interest in return for lending your money to a bank, company or government. They are different instruments with different risks, and a fixed interest rate does not mean there is no risk.
Updated: · For education only. Not investment advice.
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Guides in this section
- Bonds and debenturesComing soon
- Fixed depositsComing soon
- Recurring depositsComing soon
- Coupon and yieldComing soon
- Credit ratings and their limitsComing soon
- FD vs RD→
Frequently asked questions
What is the difference between an FD and an RD?
In an FD you deposit a lump sum for a fixed term at an agreed interest rate. In an RD you deposit a fixed amount every month for a fixed term.
What is the difference between coupon and yield?
The coupon is the fixed interest a bond pays on its face value. The yield is the return you actually earn based on the price you pay, so it can differ from the coupon.
Is a credit rating a guarantee?
No. A credit rating is an opinion about an issuer ability to repay on time. It is not a guarantee, and ratings can change.
This page is general education. It does not recommend any deposit or bond.