Canara Bank has introduced a high-yield fixed deposit (FD) scheme for 2025, offering investors a guaranteed interest of ₹39,750 on a deposit of ₹1,00,000. This scheme is designed for those seeking secure, risk-free returns, making it ideal for retirees, salaried professionals, and small savers who prefer predictable income over market-linked investments.
Guaranteed Returns and Maturity Value
Under this scheme, the deposit is locked for a fixed tenure with a guaranteed interest rate, meaning investors know exactly how much they will earn at maturity. For a deposit of ₹1,00,000, the total maturity value would be ₹1,39,750. The fixed interest ensures safety of capital while providing substantial returns over the investment period.
Flexible Interest Payout Options
Investors can choose between cumulative interest, where the full interest is paid at maturity, or periodic payouts, such as monthly or quarterly, providing regular income. This flexibility allows investors to align the FD with their financial needs. Additionally, loans can be availed against the fixed deposit in case of emergencies, adding another layer of security.
Who Should Invest
This FD scheme is particularly suited for risk-averse investors who want a safe alternative to stocks or mutual funds. Retirees looking for stable income, salaried professionals seeking short-to-medium term growth, and small savers aiming to maximize returns on idle funds will benefit most from this scheme.
Why Canara Bank FD Stands Out
The Canara Bank FD Scheme 2025 combines safety, predictability, and convenience. With guaranteed interest, capital protection, and flexible payout options, it is one of the most reliable investment choices for conservative investors. It ensures stable growth without exposing the principal to market risks.
Conclusion
With a guaranteed interest of ₹39,750 on a deposit of ₹1,00,000, the Canara Bank FD Scheme 2025 offers a perfect blend of safety and returns. It is an ideal option for those looking to secure their savings while earning meaningful interest over a fixed period, making it a smart and reliable choice for conservative investors.