Fixed Investment

What are Fixed Investments?

Fixed investments, such as Fixed Deposits (FDs), Recurring Deposits (RDs), and other government (insured) savings products (Public Provident Funds (PPF) & Postal Schemes), are defined as low-risk, safe investments that guarantee payoffs over a defined period. Fixed or guaranteed savings products are suitable for those investors who wish to guarantee capital, a predictable income, and certainty of funds.

  • Fixed deposit: A Fixed Deposit is simply a single lump sum investment for a set term with a set interest rate. After setting your term, funds can also be based on a monthly, quarterly, annual, or maturity basis.
  • Recurring Deposit: A Recurring Deposit is when the investor deposits a specific amount each month, for a defined tenure, less a fee – this product also assists clients with creating a routine of steady savings while earning compound interest.
  • PPF & Postal Schemes: Both Public Provident Fund (PPF) and post office (“savings”) schemes – i.e., investments backed (insured) by the government and provide clients with a suitable rate of return, in addition to tax-cost benefits and guaranteed fund security for the long-term.

These products would generally appeal to the conservative investor as they are guaranteed by the State Sovereign.

Who Offers FD and RD Services?

  • Public Sector Banks: Government sector banks like SBI, PNB, and Bank of Baroda provide FD and RD schemes with high interest rates, long security tenure, and wide-ranging branch networks.
  • Private Sector Banks: HDFC Bank, ICICI Bank, and Axis Bank offer FD/RD options with newer digital interfaces. The process is faster and offers higher flexibility in payment.
  • NBFCs (Non-Banking Financial Companies): Bajaj Finance, Mahindra Finance, Shriram Finance, and others are examples of NBFCs that provide corporate FDs that are easy to obtain with no lengthy processes, better interest rates, shorter tenures, and good renewal terms; however, they incur slightly higher risk than banks.
  • Jewellers (Gold Saving Schemes): Prominent jewellers like Tanishq, Malabar Gold, and Kalyan Jewellers offer RD-type monthly gold saving schemes. They are similar to savings schemes, enabling customers to deposit an agreed amount every month, redeemable against gold jewellery purchase at the end of the period. Though not RBI-regulated, these cater to a niche group, saving for jewellery purchase in the future.

These products would generally appeal to the conservative investor as they are guaranteed by the State Sovereign.

Why Use a Specialized CRM for RD or FD Management?

Generic CRMs do not cater to the specific requirements of FD and RD tracking. A dedicated CRM for Financial Advisors enables you to provide efficient, accurate, and proactive service to clients. Here’s why financial consultants should have a dedicated CRM for fixed investments:

  • Automates maturity and installment reminders
  • Secures client documents
  • Augments reporting and analytics
  • Boosts client trust and retention
  • Saves considerable manual effort

Shiven Enterprises’s CRM for RD or FD makes sure that all client investments are monitored and maximized, allowing you to deliver high-quality service.

Key Features of Shiven Enterprises's Fixed Investment CRM

Smart Alerts & Automated Notifications

Remain in control of significant dates and inform clients automatically of:

  • FD maturity schedules
  • Schedule of upcoming RD installments
  • Pre-renewal reminders
  • Suggestions for reinvestment

Visual Portfolio Dashboard

Get a real-time view of each client’s fixed investment portfolio. Monitor:

  • Interest rates
  • Investment tenure
  • Payout frequency
  • Maturity value projections

Encrypted Document Storage

Upload, classify, and store vital documents such as:

  • FD receipts
  • KYC records
  • Claim documents
  • Secure cloud-based access with bank-grade security

Multi-Institution Investment Tracking

Monitor fixed investments in multiple banks and NBFCs. Provide customers with enhanced comparisons and product suggestions based on curated information.

Integrated Calculators for Accurate Projections

Calculate using powerful calculators:

  • FD maturity analyses
  • RD installment planning
  • ROI estimations
  • Tax projections

Informed Analytics & Reports

Offer downloadable reports that emphasize:

  • Investment performance
  • Client engagement
  • Renewal pipeline
  • Conversion rate and advisor productivity

Personalized Client Communication Tools

Send targeted investment reminders, renewal notifications, and advisory updates. Consolidate relationships and keep more clients.

Why Shiven Enterprises Provides the Best CRM for Financial Consultants

  • Designed especially for Fixed Investment Advisory: Our CRM is not generic. It’s purpose-built for financial professionals who specialize in fixed-income products like FDs and RDs. Every feature is designed with the advisor-client workflow in mind.
  • Suitable for Individual Advisors & Advisory Firms: Whether you’re a solo advisor or managing a team, our CRM scales with your operations. Assign tasks, collaborate efficiently, and streamline workflows.
  • Mobile-Friendly for On-the-Go Access: Manage and track investments anywhere with our mobile-friendly platform. Remain connected with your clients even when you’re away from your desk.
  • Highest Data Security Standards: Secure client information with:
    • Role-based access controls
    • AES-256 cloud encryption
    • Daily secure backups
    • Compliance checks to win client trust

Enhance Your Fixed Investment Advisory with Shiven Enterprises's CRM

In the fast-paced financial world of today, customers anticipate exclusive service, prompt updates, and sound investment advice. With Shiven Enterprises’s CRM for Financial Advisors, you can:

  • Streamline fixed deposit and recurring deposit management
  • Minimize repetitive administrative tasks
  • Build better client relationships with more informed communication
  • Grow your advisory business with confidence

Upgrade to the latest CRM for RD or FD and boost your fixed investment services. Let Shiven Infotech drive your financial consulting success.

Frequently Asked Questions

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