Help center
Why should I invest in FD on Stable Money?
Stable Money is you home for safe investments, with easy access to most sought after FD rates. Built with dedication by people like you, who have tried, tested and seasoned on investment journey of 20+ years. We know you need a stable companion for ...
Who has my money when I invest in FD on Stable Money?
When you invest, your money is directly sent to the bank. Your money stays and compounds with the bank until your FD has matured or upon your withdrawal. Stable Money never holds any of your funds. When you withdraw, the bank will send the maturity ...
How can I start my first FD in 3 mins?
You can start investing in Fixed deposits in under 3 mins without opening a new bank account: • Choose the best FD for your financial goals • Provide your PAN and Aadhaar details to verify your identity with the bank • Verify your bank account — your ...
How and when will I get the ₹200 reward?
Thank you for writing to us. You get the ₹200 Amazon voucher after booking a Utkarsh Small Finance Bank FD, Shivalik Small Finance Bank FD and Fincare Small Finance Bank of ₹5,000 or above. You will get the ₹200 reward on your registered email within ...
I’ve finished my Video KYC successfully, do I need to do it again?
Thank you for reaching out to us. Not at all, if you’ve successfully finished your Video KYC with the bank, the next FD you book with that bank will be one-click! Hope this helps.
Can I show my e-PAN for Video KYC?
As per the bank's requirements, digital PAN card images/e-PAN cards are not accepted during Video KYC. You need to show your physical PAN to the bank agent for Video KYC verification.
What happens after my FD is matured?
Thank you for reaching out to us. After your FD matures, the FD provider will credit your maturity amount directly to the same bank account from where you paid. Hope this helps!
Can I re-invest my FD maturity amount?
Thank you for reaching out to us. Yes, at time of starting your FD you can select the maturity instruction as re-invest. Please note that once you select the action on maturity it cannot be changed the post booking. Hope this helps!
Do I need to book an FD to refer?
Thank You for writing to us. Based on our records, your referral, has successfully installed the Stable Money app using your referral link and has booked an FD. As per our referral policy, rewards are processed after 90 days from the date of your ...
Can I withdraw my FD before maturity?
Yes, you can withdraw your FD before its maturity. The withdrawal criteria may be different depending on the bank. See details below: Utkarsh Small Finance Bank Withdrawal allowed: After 7 days, Invested amount: No penalty, Interest earned: No ...
Which FDs do not require Video KYC?
Video KYC is a one-time bank-required process to approve your FD as per RBI regulations. Video KYC is NOT needed if you - 1. Book your first FD with Utkarsh SF Bank for 1 year tenure and the amount is ₹90,000 or less. 2. Book your first FD with ...
Which FDs require Video KYC?
Video KYC is a one-time bank-required process to approve your FD as per RBI regulations. Video KYC is needed if you - 1. Book your first FD with Utkarsh SF Bank of above ₹90,000 or a tenure of more than 1 year. 2. Book your first FD with Shivalik SF ...
Does the ₹5 lakhs deposit insurance cover my complete investment?
The DICGC insures your investment amount, and the interest earned, up to a maximum amount of ₹5 Lakhs. For example, if you have an account with an investment amount of ₹4.95 Lakhs and accrued interest is ₹4,000. The total amount insured by the DICGC ...
In how many days will I receive my withdrawal?
Thank you for writing to us. You will receive your withdrawal amount directly in your bank account, within 2 working days of submitting the request. Hope this helps!
Refund process when payment failed(For banks)
Dear [User's Name], Thank you for writing to us. We apologize for the inconvenience you experienced. Please be assured that your funds are completely safe, and the amount deducted will be refunded to you within 4-5 working days. We are also making ...
Where does my money get credited after FD maturity?
After your FD has matured, the maturity amount will be directly credited to the same bank account from which you made the payment.
Are there any documents required to book an FD?
To book an FD you do not require any documents to be submitted physically. Your PAN and Aadhaar verification are done online, directly on the app. However, if your FD requires a Video KYC verification, you need your physical PAN card to be present ...
Can I pay with someone else's bank account for my FD?
No, you must make sure to pay from your own bank account when booking your FD. As per the bank's compliance, we verify that the bank account belongs to the same person whose PAN and Aadhaar are used to book the FD.
Which FDs are insured by RBI?
Thank you for writing to us. All deposits with nationalised and private banks are insured by DICGC, a subsidiary of RBI. FDs on Stable Money with Utkarsh Small Finance Bank and Shivalik Finance Bank FDs are insured for up to ₹5 Lakhs. As per RBI, any ...
Which payment modes are available to book my FD?
Which payment modes are available to book my FD?
Can I make monthly investments in FD?
Thank you for reaching out to us. Currently we don't have RDs on the platform; but we have just started and are open to suggestions! However, should you want to: you can book small FDs every month. Once you complete your VKYC with any Bank on our ...
Can I book FD as a HUF?
No, currently FD booking as an HUF (Hindu Undivided Family) is not possible. Only Individual FDs can be booked via the Stable Money app.
Can I book a joint account FD?
No, currently Joint FDs cannot be booked via the Stable Money app. Only Individual FDs are available.
Can I pay for my FD with NRE / NRO account?
No. Currently, booking an FD using an NRE or NRO bank account is not supported.
How can I complete my Video KYC?
Once Video KYC is done with the bank, you can book subsequent FDs with that bank instantly. Video KYC can be done within 2 minutes of paying for your FD between 9:30 am and 6:30 pm on working days. Keep the below items handy: A physical copy of your ...
Is there a monthly payout option available with FDs?
Is there a monthly payout option available with FDs?
How much amount can I invest in FDs?
How much amount can I invest in FDs?
Can I invest from outside India?
Can I invest from outside India?
Can I open a minor FD?
Currently, FD booking for minors is not possible from the Stable Money app.
Can I start a NRI FD?
Currently, FD booking for NRIs is not possible from the Stable Money app.
Is there a savings account opened for me when I book an FD?
We do not open a new savings account for you if you book an FD with any Bank or NBFC. You do not even need to have an existing relationship with the bank to book FD from the Stable Money app.
What is compounding frequency of different FDs?
What is compounding frequency of different FDs?
Will I get an FD receipt from the bank?
Will I get an FD receipt from the bank?
I already have an account with the bank, can I book FD from Stable Money?
Yes, you can book an FD from the Stable Money app irrespective of having an existing bank account with the bank. If you already have an account with the bank, your KYC process will be shorter!
What is golden ticket & who can get it?
Golden ticket is exclusive membership program by StableMoney. Any user whose cumulative networth of FD’s is greater than 1 lakh will be part of golden ticket.
I have already booked FD greater than 1 lakh, will I be a part of the club?
Yes, all users who have transacted so far and have FD’s amounting to greater than 1 lakh will be part of the golden ticket.
Are there any charges to avail the benefits?
No, there are no charges. All these benefits are applicable to you for free.
Which FD’s should I book to get the voucher reward?
You can book any FDs from any our partner banks/NBFCs to be eligible for this programme.
Where does my money go when I invest in Fixed deposit on Stable Money?
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Can I open the FD 100% online without going to bank or bank website?
Yes