{"id":21800,"date":"2025-10-29T17:08:11","date_gmt":"2025-10-29T17:08:11","guid":{"rendered":"https:\/\/tezgyan.com\/index.php\/2025\/10\/29\/zerodha-now-lets-you-invest-in-bank-fds-via-coin-step-by-step-guide-savings-and-investments-news\/"},"modified":"2025-10-29T17:08:11","modified_gmt":"2025-10-29T17:08:11","slug":"zerodha-now-lets-you-invest-in-bank-fds-via-coin-step-by-step-guide-savings-and-investments-news","status":"publish","type":"post","link":"https:\/\/tezgyan.com\/index.php\/2025\/10\/29\/zerodha-now-lets-you-invest-in-bank-fds-via-coin-step-by-step-guide-savings-and-investments-news\/","title":{"rendered":"Zerodha Now Lets You Invest In Bank FDs Via Coin: Step-By-Step Guide | Savings and Investments News"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div id=\"story-9667014\">\n<p><span class=\"jsx-395e0e0beb19cb6e jsx-4143937483\">Last Updated:<\/span><time class=\"jsx-395e0e0beb19cb6e jsx-4143937483\">October 29, 2025, 16:57 IST<\/time><\/p>\n<h2 id=\"asubttl-9667014\" class=\"jsx-c9f81425ec968c48 jsx-1546227029 asubttl-schema\">Zerodha Coin now lets users invest in FDs from Suryoday and Unity Small Finance Banks via Blostem, offering extra interest for seniors.<\/h2>\n<figure class=\"jsx-c9f81425ec968c48 jsx-1546227029 amimg\"><img decoding=\"async\" alt=\"Zerodha FD\" title=\"Zerodha FD\" src=\"https:\/\/images.news18.com\/ibnlive\/uploads\/2021\/07\/1627283897_news18_logo-1200x800.jpg?impolicy=website&amp;width=400&amp;height=225\" loading=\"eager\" fetchpriority=\"high\" class=\"jsx-c9f81425ec968c48 jsx-1546227029\"\/><\/p>\n<p>Zerodha FD<\/p>\n<\/figure>\n<p id=\"0\" class=\"story_para_0\">Zerodha\u2019s investing arm Coin now offers fixed deposits (FDs) from select small finance banks through a partnership with Blostem. The feature makes it easy for Zerodha users to park money in bank FDs without leaving the trading ecosystem.<\/p>\n<p id=\"1\" class=\"story_para_1\">Users can invest a minimum of Rs 1,000 for both Suryoday and Unity Small Finance Banks. They can invest in multiples of Rs 1.<\/p>\n<p id=\"2\" class=\"story_para_2\">They are required to have valid PAN card, Aadhaar card, Bank account details, and an Aadhaar-linked phone number.<\/p>\n<p id=\"3\" class=\"story_para_3\">Senior citizens (60+ years) get an additional 0.4% interest rate benefit on Suryoday FDs and 0.5% on Unity FDs.<\/p>\n<h3>Step-by-step guide to invest (quick)<\/h3>\n<ul class=\"listOncontentArticleUL\">\n<li>Log in to coin.zerodha.com and go to Fixed Deposits.<\/li>\n<li>Click Invest and pick an FD (Suryoday or Unity listed).<\/li>\n<li>Enter amount (min Rs1,000; multiples of Rs1) and tenure; use the FD calculator if needed.<\/li>\n<li>Click Continue, review details and accept the undertaking.<\/li>\n<li>You\u2019ll be redirected to Blostem \u2014 log in with mobile + OTP.<\/li>\n<li>Update PAN, complete Aadhaar authentication and verify your bank details.<\/li>\n<li>Add nominee and set up two-factor auth (email + SMS OTP).<\/li>\n<li>Complete payment via UPI \/ netbanking \/ QR.<\/li>\n<li>Finish video KYC (VKYC) within 3 working days \u2014 FD tenure starts only after VKYC clears.<\/li>\n<li>Receive confirmation once the FD booking succeeds.<\/li>\n<li>What investors should watch (important angle)<\/li>\n<li>VKYC is critical. If not completed within 3 days, the FD is refunded.<\/li>\n<li>Bank choice matters. Coin currently lists small finance banks \u2014 interest rates may be higher but check bank credentials and tenure terms.<\/li>\n<li>Tax &amp; TDS rules. Interest is taxable; TDS may apply if interest crosses thresholds (senior-citizen limits differ). Tax-saver FDs have a 5-year lock-in and Section 80C limits.<\/li>\n<li>Premature withdrawal often attracts penalties and may not be allowed for tax-saver FDs.<\/li>\n<li>Senior\/women benefits. Extra interest for seniors and specific women-benefit products may apply automatically based on KYC.<\/li>\n<\/ul>\n<div class=\"jsx-95088aad1b3c53cd atawrap\">\n<div class=\"jsx-95088aad1b3c53cd atadetailwrp\">\n<div class=\"jsx-95088aad1b3c53cd ataname\"><span class=\"jsx-95088aad1b3c53cd atthumb\"><\/p>\n<figure class=\"jsx-95088aad1b3c53cd\"><img decoding=\"async\" alt=\"Varun Yadav\" title=\"Varun Yadav\" src=\"https:\/\/images.news18.com\/ibnlive\/uploads\/2025\/02\/WhatsApp-Image-2025-02-11-at-14.38.33-2025-02-47cdd4fd31681cc3efe5087cb8bd1418.jpeg?impolicy=website&amp;width=60&amp;height=60\" class=\"jsx-95088aad1b3c53cd\"\/><\/figure>\n<p><\/span><\/p>\n<div class=\"jsx-95088aad1b3c53cd attitle\"><a href=\"https:\/\/www.news18.com\/byline\/varun-yadav-28203.html\" class=\"jsx-95088aad1b3c53cd atamail\">Varun Yadav<\/a><\/p>\n<p>Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst&#8230;<span class=\"jsx-95088aad1b3c53cd aurpdebtn\">Read More<\/span><\/p>\n<\/div>\n<\/div>\n<p>Varun Yadav is a Sub Editor at News18 Business Digital. He writes articles on markets, personal finance, technology, and more. He completed his post-graduation diploma in English Journalism from the Indian Inst&#8230;<!-- --> <span class=\"jsx-95088aad1b3c53cd aurpdebtn\">Read More<\/span><\/p>\n<\/div>\n<\/div>\n<div class=\"jsx-c9f81425ec968c48 jsx-1546227029 artcta\"><a href=\"https:\/\/news18.co\/n18egpab\" target=\"_blank\" rel=\"noopener noreferrer\">Follow News18 on Google<\/a>. Join the fun, play <a href=\"https:\/\/www.news18.com\/games\/\">QIK games on News18<\/a>. Stay updated with all the latest business news, including <a href=\"https:\/\/www.news18.com\/business\/markets\/\">market trends<\/a>,\u00a0<a href=\"https:\/\/www.news18.com\/topics\/stocks-to-watch\/\">stock updates<\/a>,\u00a0<a href=\"https:\/\/www.news18.com\/business\/tax\/\">tax<\/a>, IPO,\u00a0<a href=\"https:\/\/www.news18.com\/business\/banking-finance\/\">banking finance<\/a>, real estate, savings and investments. To Get in-depth analysis, expert opinions, and real-time updates. Also <span data-olk-copy-source=\"MessageBody\">Download the\u00a0<a href=\"https:\/\/onelink.to\/eng-article-eop\">News18 App<\/a> to stay updated.<\/span><\/div>\n<div class=\"jsx-c9f81425ec968c48 jsx-1546227029 atbtlink fp\"><span>First Published:<\/span><\/p>\n<div class=\"rs\">\n<p>October 29, 2025, 16:57 IST<\/p>\n<\/div>\n<\/div>\n<div id=\"coral-wrap\" class=\"jsx-ba4d8f086a12294f \">\n<div class=\"jsx-ba4d8f086a12294f coral-cont\">\n<div class=\"jsx-ba4d8f086a12294f coltoptxt\">Disclaimer: Comments reflect users\u2019 views, not News18\u2019s. Please keep discussions respectful and constructive. Abusive, defamatory, or illegal comments will be removed. News18 may disable any comment at its discretion. By posting, you agree to our <a href=\"https:\/\/www.news18.com\/disclaimer\/\" class=\"jsx-ba4d8f086a12294f\">Terms of Use<\/a> and <a href=\"https:\/\/www.news18.com\/privacy_policy\/\" class=\"jsx-ba4d8f086a12294f\">Privacy Policy<\/a>.<\/div>\n<\/div>\n<\/div>\n<p><span class=\"jsx-c9f81425ec968c48 jsx-1546227029 rmbtn news18_read_more\">Read More<\/span><\/p>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.news18.com\/business\/savings-and-investments\/zerodha-now-lets-you-invest-in-bank-fds-via-coin-step-by-step-guide-ws-l-9667014.html\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Last Updated:October 29, 2025, 16:57 IST Zerodha Coin now lets users invest in FDs from Suryoday and Unity Small Finance Banks via Blostem, offering extra interest for seniors. Zerodha FD Zerodha\u2019s investing arm Coin now offers fixed deposits (FDs) from select small finance banks through a partnership with Blostem. The feature makes it easy for&#8230;<\/p>\n","protected":false},"author":1,"featured_media":16907,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[45],"tags":[],"class_list":["post-21800","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business"],"_links":{"self":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/21800","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/comments?post=21800"}],"version-history":[{"count":0,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/posts\/21800\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media\/16907"}],"wp:attachment":[{"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/media?parent=21800"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/categories?post=21800"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tezgyan.com\/index.php\/wp-json\/wp\/v2\/tags?post=21800"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}