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Fixed Deposit Management system

Our Fixed Deposit Management System is designed to streamline the complete lifecycle of FD products — from account creation and deposit handling to maturity and withdrawal. This white-label solution is customizable, secure, and suitable for NBFCs, Banks, and Fintechs looking to scale or digitize their offerings.

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Multi-Tier FD Plans

Configure various FD products with flexible interest rates, lock-in periods, and withdrawal clauses.

Recurring & One-Time Deposits

Supports both recurring and lump-sum fixed deposits with automatic installment tracking.

Interest Payout Management

Monthly, Quarterly, or Yearly interest disbursals with customizable payout schedules.

Maturity & Renewal

Automated alerts for maturity, reinvestment options, and rollover mechanisms to retain clients.

Regulatory Compliance

Inbuilt modules to help comply with RBI, NBFC, and SEBI reporting standards with audit trails.

Real-time Dashboard

Track deposits, interest liabilities, client details, and overall FD performance metrics in real-time.

FD Lifecycle Management —
End-to-End Automation

  • Create FD products with specific terms & interest rules.
  • Track every deposit — from inception to maturity.
  • Handle premature closure, partial withdrawals, and top-ups.

Interest & Maturity —
Customized Payout Timelines

  • Configure monthly, quarterly, or yearly interest payouts.
  • Handle payouts via NEFT/IMPS/UPI or bank transfer integrations.
  • Auto-calculate tax deductions (TDS) on earnings.

Compliance & APIs —
Ready for the Modern Financial Stack

  • RBI & NBFC reporting ready.
  • PAN, Aadhaar, and GST validations.
  • REST APIs for core banking & CRM sync.

Customer Journey —
From KYC to Confirmation

  • Digital onboarding with eKYC & OTP authentication.
  • Generate FD certificate PDFs with digital seal.
  • Client portal for statements and redemption.

Stay Alerted —
Smart Notifications for All Stakeholders

  • SMS/Email alerts for interest payouts and maturity.
  • Auto-reminders for KYC updates or missed installments.
  • Team dashboard for handling escalations & closures.

Why Our FD System Matters

Manual tracking of fixed deposits can lead to errors, customer dissatisfaction, and regulatory issues. Our FD Management platform automates, simplifies, and scales the process, ensuring your financial institution runs efficiently and meets all compliance requirements.

Ready for Multi-Channel Banking

Whether you're a digital-only NBFC or a hybrid bank with branches, our system supports all deposit workflows — from mobile onboarding to branch-assisted deposits and multi-language UI.

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