Fixed Deposit on WebNotes

Can you pledge bank FDs for margin on Zerodha?

Wed, 01 Jul 2026 00:00:00 +0000

Overview

If you keep an emergency corpus in a bank fixed deposit and trade on the side, it is natural to ask whether that FD can double as trading collateral on Zerodha . The answer is no. Bank fixed deposits cannot be pledged for margin, and the same applies to bank guarantees and to the FDs offered through Coin. Pledging on Zerodha works only with securities that sit in a demat account and appear on an approved list, and a bank deposit is neither.

Debt mutual fund vs bank fixed deposit (post-2023 tax regime)

Tue, 12 May 2026 00:00:00 +0000

The Finance Act 2023 introduced a fundamental change to the taxation of debt mutual funds in India, effective from 1 April 2023. Prior to this amendment, gains on debt mutual fund units held for more than 36 months were classified as long-term capital gains (LTCG) and taxed at 20% with indexation benefit. From 1 April 2023, gains on specified mutual funds (those with domestic equity exposure of 35% or less) are taxed at the investor’s applicable income tax slab rate irrespective of holding period, under the new Section 50AA of the Income Tax Act, 1961.

Liquid fund vs sweep-in FD

Tue, 12 May 2026 00:00:00 +0000

A sweep-in fixed deposit (also called an auto-sweep FD or sweep facility) is a product offered by banks in India that automatically converts savings account balances above a specified threshold into short-term fixed deposits, earning the higher FD rate while retaining the liquidity of the savings account. When the account holder initiates a withdrawal or payment that exceeds the savings balance, the linked FD is automatically broken in LIFO or FIFO order to fund the transaction.