{"id":574,"date":"2026-04-27T11:54:03","date_gmt":"2026-04-27T06:24:03","guid":{"rendered":"https:\/\/prodigypro.co.in\/blog\/?p=574"},"modified":"2026-04-27T11:54:05","modified_gmt":"2026-04-27T06:24:05","slug":"why-do-indians-prefer-fixed-deposits","status":"publish","type":"post","link":"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/","title":{"rendered":"Why Do Indians Prefer Fixed Deposits? A Deep Dive into India\u2019s Most Trusted Investment Option"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_80 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Fixed_Deposits\" >Fixed Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Why_Do_Indians_Prefer_Fixed_Deposits-_Major_Reasons\" >Why Do Indians Prefer Fixed Deposits- Major Reasons<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Ease_of_Investment_and_Liquidity_Options\" >Ease of Investment and Liquidity Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Tax_Benefits_on_Certain_Fixed_Deposits\" >Tax Benefits on Certain Fixed Deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Widely_Accepted_Across_Urban_and_Rural_India\" >Widely Accepted Across Urban and Rural India<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Higher_Interest_Rates_for_Senior_Citizens\" >Higher Interest Rates for Senior Citizens<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Digitalization_and_Online_FD_Management\" >Digitalization and Online FD Management<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Short-Term_to_Long-Term_Flexibility\" >Short-Term to Long-Term Flexibility<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Conclusion\" >Conclusion<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Are_Fixed_Deposits_completely_risk-free\" >Are Fixed Deposits completely risk-free?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#What_is_the_typical_interest_rate_offered_on_FDs_in_India\" >What is the typical interest rate offered on FDs in India?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Can_I_break_a_Fixed_Deposit_before_maturity\" >Can I break a Fixed Deposit before maturity?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Are_Fixed_Deposit_returns_taxable\" >Are Fixed Deposit returns taxable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/prodigypro.co.in\/blog\/why-do-indians-prefer-fixed-deposits\/#Is_it_better_to_invest_in_a_long-term_or_short-term_FD\" >Is it better to invest in a long-term or short-term FD?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Fixed_Deposits\"><\/span>Fixed Deposits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>When discussing investments, Fixed Deposits (FDs) have come up as one of the best and go-to choices for many Indians who are looking for ideal investment strategies. Despite the growth of mutual funds, stocks, etc., fixed deposits come up as immensely popular options among the investment sector people, especially in all age brackets. But what are the main reasons that make this traditional investment one of the most popular and attractive investment vehicles in India? In this article we will discuss the various reasons as to why Indians prefer fixed deposits and why it still remains one of the important components of the country\u2019s financial ecosystem.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_Do_Indians_Prefer_Fixed_Deposits-_Major_Reasons\"><\/span><strong>Why Do Indians Prefer Fixed Deposits- Major Reasons<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Capital Protection and Safety:<\/strong><\/p>\n\n\n\n<p>When it comes to investment, Indians are traditionally very risk-averse. Capital protection along with stability in finance take precedence over high returns, especially in the population ranging between middle class to elderly age. When discussing about the fixed deposits it is considered one of the safest investment avenues as they are usually provided by the reputed banks and are even backed up by the government insurance schemes like the <strong>Deposit Insurance and Credit Guarantee Corporation (DICGC)<\/strong>, which insures up to \u20b95 lakh per depositor per bank.<\/p>\n\n\n\n<p>This safety assurance makes the FDs particularly attractive to the conservative investors who give preference to security over uncertainty.<\/p>\n\n\n\n<p><strong>Fixed Returns Regardless of Market Conditions<\/strong><\/p>\n\n\n\n<p>One of the most important features of fixed deposits is the predictability of returns. Unlike market-linked tools like mutual funds or equities, FDs provide a fixed interest rate for the entire time period of the deposit. This showcases that the investor\u2019s money grows in a steady manner, and is not affected by market volatility. This predictability is best for individuals who are looking for stable income post-retirement, or for those investors who are saving for specific life goals such as the children&#8217;s education or weddings.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ease_of_Investment_and_Liquidity_Options\"><\/span><strong>Ease of Investment and Liquidity Options<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Making investments in fixed deposits is extremely straightforward. Many banks and NBFCs (Non-Banking Financial Companies) provide the facility of both online and offline modes to open FDs with the basic important documentation. No more there are complicated procedures, no need to keep a check on the daily performance, and no learning curve involved.<\/p>\n\n\n\n<p>Along with this, while FDs are known for being long-term instruments, they also provide premature withdrawal options in case of emergencies, notwithstanding with a nominal penalty. Many banks even provide the facility of loans against FDs, providing liquidity without breaking the deposit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Tax_Benefits_on_Certain_Fixed_Deposits\"><\/span><strong>Tax Benefits on Certain Fixed Deposits<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Another major reason as to why Indians prefer FDs is because of the <strong>tax-saving fixed deposit<\/strong> schemes. These usually come with a lock-in period of 5 years and are eligible for tax deductions of up to \u20b91.5 lakh under <strong>Section 80C<\/strong> of the Income Tax Act.<\/p>\n\n\n\n<p>Usually, the interest earned is taxable, the principal invested is subject for a deduction, making it a favoured option for individuals who have fixed salaries and taxpayers who are looking to save on taxes while ensuring the capital safety.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Widely_Accepted_Across_Urban_and_Rural_India\"><\/span><strong>Widely Accepted Across Urban and Rural India<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Across India, FD is one of the most popular options and it cuts across both urban and rural landscapes. In rural areas, where financial literacy and accessibility to the complex investment products may be restricted, fixed deposits are known as one of the trustworthy and simple ways to invest and grow money. Most of the local cooperative banks and post offices provide the FD services, which increases the accessibility.<\/p>\n\n\n\n<p>Along with this in the urban areas, even high-income professionals along with the business owners use FDs as part of a <strong>diversified portfolio<\/strong>\u2014assigning a certain percentage to fixed-income instruments to decrease the overall portfolio risk.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Higher_Interest_Rates_for_Senior_Citizens\"><\/span><strong>Higher Interest Rates for Senior Citizens<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Senior citizens in India are provided with higher<strong> interest rates<\/strong> on FDs\u2014which ranges from 0.25% to 0.50% more than regular rates. This brings up FDs, an attractive and popular retirement planning tool. Along with this, many senior citizens opt for monthly or quarterly interest payouts in order to meet their living expenses without touching the principal amount.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Digitalization_and_Online_FD_Management\"><\/span><strong>Digitalization and Online FD Management<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>With the growth of digital banking, having a hold of FDs has become more expedient than ever. Investors can now easily open, close, or renew fixed deposits with just a few clicks either by making use of mobile banking apps or internet banking platforms. This seamless and hassle free experience has attracted a younger, tech-savvy generation to contemplate FDs as a feasible investment option.<\/p>\n\n\n\n<p>Along with this, fintech platforms and neo-banks are also providing <strong>competitive FD products<\/strong> in partnership with traditional banks, thus reaching new investors.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Short-Term_to_Long-Term_Flexibility\"><\/span><strong>Short-Term to Long-Term Flexibility<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>FDs provide a range of tenures\u2014from as short as 7 days to as long as 10 years. This allows investors to bring into line their FDs with proper financial goals. For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A short-term FD can be used to put surplus cash temporarily.<\/li>\n\n\n\n<li>A medium-term FD can be used to plan for school admissions or vacations.<\/li>\n\n\n\n<li>A long-term FD can be marked up for retirement or some of the big purchases.<\/li>\n<\/ul>\n\n\n\n<p><strong>Also, Check &#8211; <a href=\"https:\/\/prodigypro.co.in\/blog\/guide-to-claiming-mutual-funds\/\">Guide to Claiming Mutual Funds<\/a><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Fixed deposits are not just a mere investment option in India\u2014they are a <strong>sign of financial security, trust, and cultural values<\/strong>. While modern investment instruments may provide higher returns, the ease, safety, and expectedness of fixed deposits continue to attract millions of Indians in the investment field. Whether it\u2019s the planning for retirement, saving for emergencies, or simply earning a bit more on idle cash, FDs remain intensely fixed in the Indian financial essence.<\/p>\n\n\n\n<p>As there is a growth in digital innovations and interest rates increasing in the arena, FDs are expected to become even more versatile, making sure they stay relevant for generations to come.<\/p>\n\n\n\n<p>Please share your thoughts on this post by leaving a reply in the comments section. Contact us via phone,<a href=\"http:\/\/wa.me\/917347700888\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0WhatsApp<\/a>, or email to learn more about mutual funds, or visit our website,<a href=\"https:\/\/prodigypro.co.in\/\">\u00a0Prodigy Pro<\/a>. Alternatively, you can download the<a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.bfc_mf.prodigy_app&amp;pcampaignid=web_share\" target=\"_blank\" rel=\"noreferrer noopener\">\u00a0Prodigy Pro<\/a>\u00a0app to start investing today!<\/p>\n\n\n<div ><style>#sp-ea-573 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-573.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-573.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #ffffff;}#sp-ea-573.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-573.sp-easy-accordion>.sp-ea-single {background: #7c8cff;}#sp-ea-573.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1777266744\"><div id=\"sp-ea-573\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Are_Fixed_Deposits_completely_risk-free\"><\/span><a class=\"collapsed\" id=\"ea-header-5730\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5730\" aria-controls=\"collapse5730\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> Are Fixed Deposits completely risk-free?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse5730\" data-parent=\"#sp-ea-573\" role=\"region\" aria-labelledby=\"ea-header-5730\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">While FDs are known for their low-risk nature, they are not completely risk-free. Bank failures, although very minimal, can sometimes create risks. However, the deposits made up to \u20b95 lakh per person per bank are insured under DICGC, which creates a safety net.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"What_is_the_typical_interest_rate_offered_on_FDs_in_India\"><\/span><a class=\"collapsed\" id=\"ea-header-5731\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5731\" aria-controls=\"collapse5731\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> What is the typical interest rate offered on FDs in India?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5731\" data-parent=\"#sp-ea-573\" role=\"region\" aria-labelledby=\"ea-header-5731\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">As of 2025, various banks work on providing the FD interest rates which range between <\/span><b>5.5% to 7.5%<\/b><span style=\"font-weight: 400\">,and it depends on the time span\u00a0 and the type of depositor whether they are regular investors or the senior citizens.\u00a0<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Can_I_break_a_Fixed_Deposit_before_maturity\"><\/span><a class=\"collapsed\" id=\"ea-header-5732\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5732\" aria-controls=\"collapse5732\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Can I break a Fixed Deposit before maturity?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5732\" data-parent=\"#sp-ea-573\" role=\"region\" aria-labelledby=\"ea-header-5732\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Yes, premature withdrawals are usually allowed but may sustain a <\/span><b>penalty<\/b><span style=\"font-weight: 400\"> on the interest rate. Some banks also provide special \u201cno-penalty\u201d FDs for the additional flexibility.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Are_Fixed_Deposit_returns_taxable\"><\/span><a class=\"collapsed\" id=\"ea-header-5733\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5733\" aria-controls=\"collapse5733\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Are Fixed Deposit returns taxable?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5733\" data-parent=\"#sp-ea-573\" role=\"region\" aria-labelledby=\"ea-header-5733\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">Yes. The interest which is earned on the FDs are usually <\/span><b>taxable<\/b><span style=\"font-weight: 400\"> under \u201cIncome from Other Sources.\u201dUsually if the interest is more than \u20b940,000 in a year and \u20b950,000 for senior citizens, TDS is deducted.<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><span class=\"ez-toc-section\" id=\"Is_it_better_to_invest_in_a_long-term_or_short-term_FD\"><\/span><a class=\"collapsed\" id=\"ea-header-5734\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse5734\" aria-controls=\"collapse5734\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> Is it better to invest in a long-term or short-term FD?<\/a><span class=\"ez-toc-section-end\"><\/span><\/h3><div class=\"sp-collapse spcollapse \" id=\"collapse5734\" data-parent=\"#sp-ea-573\" role=\"region\" aria-labelledby=\"ea-header-5734\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u00a0It entirely depends on the investor\u2019s financial goals. <\/span><b>Short-term FDs<\/b><span style=\"font-weight: 400\"> help in providing the liquidity, while <\/span><b>long-term FDs<\/b><span style=\"font-weight: 400\"> gain benefit from higher interest rates and compounding. Many investors ladder their FDs through different tenures in order to balance returns and access.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div>\n\n\n<p><strong>Disclaimer \u2013 <\/strong>This article is for educational purposes only and does not intend to substitute expert guidance. Mutual fund investments are subject to market risks. Please read the scheme-related document carefully before investing.\u00a0<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fixed Deposits When discussing investments, Fixed Deposits (FDs) have come up as one of the best and go-to choices for many Indians who are looking for ideal..<\/p>\n","protected":false},"author":1,"featured_media":575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[869,871,865,872,863,868,867,866,870,864],"class_list":["post-574","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-bank-fixed-deposit-advantages","tag-best-investment-for-beginners-india","tag-fd-benefits-india","tag-fixed-deposit-interest-rates-india","tag-fixed-deposits-in-india","tag-guaranteed-returns-fd","tag-low-risk-investment-india","tag-safe-investment-options-india","tag-secure-savings-india","tag-why-indians-prefer-fixed-deposits"],"_links":{"self":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/574","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/comments?post=574"}],"version-history":[{"count":1,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/574\/revisions"}],"predecessor-version":[{"id":576,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/posts\/574\/revisions\/576"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media\/575"}],"wp:attachment":[{"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/media?parent=574"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/categories?post=574"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/prodigypro.co.in\/blog\/wp-json\/wp\/v2\/tags?post=574"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}