With increased digital banking facilities, investing in FDs are made more accessible than ever. Today, a wide range of applications let the users compare the FD rates, invest instantly and manage the deposits at the comfort of smartphones. This article explores the best apps to book Fixed Deposits in India in 2025, highlighting their features, interest rates, and ease of use. It helps readers choose the right app for secure, paperless, and rewarding FD investments. Here are the list of applications that are good for FD in India:
1. Kuvera
- Key Feature:
- Zero-commission platform
- Seamless FD booking
- Easier integration with multiple banks & NBFCs
- FD Interest Rate Range – up to 7.5% p.a.
- Minimum Investment – INR 1,000
- Advantages:
- User-friendly interface
- No hidden charges
- Wide range of investment options
- Limitations
- Limited to the partnered financial institutions
- Why is it recommended: This FD is ideal for the investors who are looking for a straightforward platform that offers a wider variety of FD options.
2. Paytm Money
- Key Features:
- Easier FD booking
- Easier integration with Paytm ecosystem
- Real-time updates
- FD Interest Rate Range – varies based on the FD tenure and the bank policies
- Minimum Investment – INR 100
- Advantages:
- Quicker and easier setup
- Lower minimum investment
- Easy integration with the Paytm wallet
- Limitations:
- Specific bank partnerships limitations
- Why is it recommended: Suitable for investors who are existing Paytm users and are looking forward to hassle-free FD investments.
3. Groww
- Key Features:
- Simplified investment policies
- Educational resources
- Portfolio tracking
- FD Interest Rate Range: varies based on the chosen banks or financial institutions
- Minimum Investment: INR 1,000
- Advantages:
- Intuitive interface
- Comprehensive investment options
- Educational content for investors
- Limitations:
- Interest rates for the FD depends up on the selected bank/NBFC
- Why is it recommended: It is great for investors who are looking to understand the investment concepts and invest in FDs through a single platform.
Also read: High-Performing Equity Mutual Funds to Consider in 2025
4. INDmoney
- Key Features:
- AI-driven financial planning
- FD investments
- Portfolio management
- FD Interest Rate Range: 6.79% – 7.95% p.a.
- Minimum Investment: INR 15,000
- Advantages:
- Comprehensive financial overview
- Competitive interest rates
- Secure investment options
- Limitations:
- Higher minimum investment compared to other platforms
- Why is it recommended: ideal for investors who are looking forward to holistic financial management tools with FD investment capabilities.
5. Bajaj Finserv
- Key Features:
- High-interest FDs
- Flexible tenures
- Online account management
- FD Interest Rate Range: Up to 7.95% for senior citizens
- Minimum Investment: INR 15,000
- Advantages:
- Attractive interest rates
- Flexible payout options
- Higher credit ratings
- Limitations:
- Limited to Bajaj Finserv FDs only.
- Why is it recommended: suitable for investors seeking high returns with a backing of a reputable NBFC
6. Fisdom
- Key Features:
- Investment in company deposits, mutual funds and FDs
- FD Interest Rate Range: varies based on the companies
- Minimum Investment: varies based on the chosen deposit
- Advantages:
- Diverse investment options
- User-friendly platform
- Educational resources
- Limitations:
- Interest rates and terms may vary significantly
- Why is it recommended: suitable for investors who want to diversify their portfolio with company deposits.
7. Navi
- Key Features:
- Quick FD booking
- Competitive interest rates
- Digital KYC
- FD Interest Rate Range: 2.50% – 8.5% p.a.
- Minimum Investment: INR 10,000
- Advantages:
- Fast and easy investment options
- Attractive interest rates
- Secured platform
- Limitations:
- Limited to partnered institutions
- Why is it recommended: ideal for tech-savvy investors seeking quick and efficient FD investments.
8. ICICI iMobile
- Key Features:
- Quick FD booking
- Competitive interest rates
- Digital KYC
- FD Interest Rate Range: up to 7.9% p.a.
- Minimum Investment: INR 10,000
- Advantages:
- Trusted banking platform
- Quick FD setup
- Additional banking services
- Limitations:
- Limited to ICICI bank customers
- Why is it recommended: ideal for existing ICICI bank customers who are looking for integrated banking and investment services.
Conclusion
Investing in fixed deposits is neither a time-consuming tedious process nor paper-heavy process. With the rise of user-friendly apps, an FD booking is now as simple as a few steps on your phone. These apps come with its own set of features from higher interest rates to easily accessible comparisons and digital KYC. Choose an app that suits your needs and comfort level. And if you are unsure, don’t hesitate to consult your financial advisor for finance related ideas and guidance.
Written by Kavitha Sugumar
