Introduction: We all want to see our investments grow quickly, safely, and securely. There are various options available around us. For example real estate, startup of a business, partner of a business, stock market, bullion market, cryptocurrency, special bonds, Fixed deposit in Government Institutions, Corporate fixed deposit, debt fund, etc. Each investment option has pros and cons. Different people have different goals for investment, different financial conditions,  different thinking, etc. Accordingly, people select their own way to invest and grow their money. Some of the options of investment may have high returns but with a high risk of high loss. Therefore, your portfolio of investment must have the portion for a fixed deposit scheme. Fixed deposit schemes always have zero risk or almost zero risk for loss. The fixed deposit scheme is also called a Term deposit or Time deposit scheme, which gives an assured return after a predetermined period. These schemes are governed by th