Fixed Deposit
Track fixed deposits across banks, corporates, and the post office — value accrues from the deposit terms.
Last reviewed 2026-07-15
Fixed Deposit tracking stores each deposit’s terms (principal, rate, tenure, FD type). Current value and maturity are computed from those terms — you do not manually update a “price.”
Why it exists
FDs often sit across banks, NBFCs, and India Post. Invesh groups them under organizations and shows accrued value plus a maturity ladder on the type dashboard.
How tracking works
| Concept | Meaning |
|---|---|
| Account | One organization (bank, corporate, or post office) with a nickname |
| Deposit (holding) | One FD with principal, rate, start date, tenure, and FD type |
| Invested | Principal |
| Current value | Accrued from rate, compounding, and time since start |
| Maturity | Computed from tenure and terms |
FD types in the form: Cumulative, Payout, and Tax Saving. For payout FDs, set payout frequency; principal is tracked separately from periodic payouts.
This is a holdings-based tracker with auto-computed values. See Tracker behaviors: Fixed Deposit.
What you need to start
- Organization (bank, corporate, or post office)
- Invested amount and interest rate (% p.a.)
- FD type, start date, and tenure (years / months / days)
FD certificate number is optional.
Keeping values current
- You usually do not need to update the value — it accrues from the terms
- Edit a deposit to correct terms (rate, tenure, type, dates) — edit is for corrections, not for booking a brand-new FD
- When a deposit is matured, use Reinvest (same edit sheet) to roll it forward — this does not force a separate new holding unless you choose to add one
- Add another deposit under the same organization when you book a new FD
Related
- How-to: Add an investment account
- How-to: Add a fixed deposit
- Overview: Add a snapshot or holding