Grow Your Wealth with Compound Interest

Cumulative Fixed Deposit—Watch your money multiply with reinvested interest, starting from just ₹1,000.

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Cumulative Fixed Deposit

Planning for your child's education or building a retirement corpus? A cumulative fixed deposit is the smart choice for long-term wealth creation. Unlike regular FDs, where you receive interest payouts, cumulative FDs reinvest your interest earnings back into the principal, allowing you to benefit from the power of compound growth.

This means your money doesn't just earn interest—it earns interest on interest, helping you build a substantially larger corpus over time.

Fixed Deposit Interest & Return Calculator

Estimate your Fixed Deposit returns instantly. Enter amount, interest rate, and tenure to see your maturity amount.

Deposit Amount ₹50,000

₹1K₹10L

Interest Rate 7%

1%15%

Tenure 2 Years

1Y10Y

Invested Amount

Interest Earned

Total Maturity

Book FD Book FD

Benefits of Cumulative Fixed Deposit

Airtel Finance cumulative FD offers multiple advantages for strategic savers:

Compound Growth Power — Your cumulative interest on FD gets reinvested automatically, multiplying your returns.
Higher Maturity Amount — Fixed deposit cumulative interest reinvestment helps you earn significantly more than regular FDs.
Competitive Rates — Enjoy attractive cumulative FD interest rates.
Complete Digital Convenience — Open your cumulative FD entirely online through the Airtel Thanks App.
Safe & Secure Investment — Your money is protected under DICGC insurance up to ₹5 lakh.
Tax Saving Fixed Deposit — A tax-saving fixed deposit allows investors to claim deductions under Section 80C of the Income Tax Act, making it a popular choice.

How to Apply for a Cumulative Fixed Deposit

Getting started with your wealth-building journey is simple:

Step 1: Download and Verify

Download the Airtel Thanks App and complete your KYC verification.

Step 2: Go to the Finance Section

Navigate to the Finance section and select “Fixed Deposit.”

Step 3: Enter Investment Amount

Choose the cumulative option and enter your investment amount (minimum ₹1,000).

Step 4: Select Tenure

Pick your tenure based on your financial goals.

Step 5: Complete Process

Finish the digital process and start earning compound interest immediately.

Features of Cumulative Fixed Deposit

Various features of Cumulative Fixed Deposit (FD) are:

High Interest Rates
Fixed Deposits offer competitive interest rates that help your savings grow steadily over time.
Automatic Reinvestment
Your cumulative interest on the FD gets reinvested without any manual intervention.
Flexible Investment Amount
Start your wealth journey with as little as ₹1,000.
Digital-First Process
Complete paperless application and management through the Airtel Thanks App.
DICGC Insurance
Your deposits are protected up to ₹5 lakh by government insurance.
Premature Withdrawal
Access your funds after 7 days if needed, with applicable penalties.

Eligibility for Cumulative Fixed Deposit

To open a cumulative fixed deposit with Airtel Finance, you need to meet these simple criteria:

Age: 18 years and above.
Residency: Indian resident with valid address proof.
KYC Documents: Aadhaar, PAN, and address proof are mandatory.
PAN Requirement: Mandatory for deposits above ₹50,000.
Bank Account: Active Indian bank account for transactions.

Documents Required for Cumulative Fixed Deposit

Various fixed deposit documents required are:

Document Type	Examples
Identity Proof	PAN Card, Aadhaar Card, Passport
Address Proof	Aadhaar Card, Utility Bill, Driving License
Age Proof	Birth Certificate, Passport, Aadhaar Card
Bank Details	Cancelled Cheque, Bank Statement