Zerodha adds fixed deposits to Coin app
10 Apr 2026, 12:57 PMZerodha said users can now book fixed deposits across multiple banks, compare interest rates, and track their investments, accrued interest, and upcoming maturities from a single interface.
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Zerodha has expanded its Coin investment platform by adding fixed deposits to its product lineup.
The move aims to simplify a fragmented FD ecosystem, said Zerodha in a blogpost.
"Rates are scattered, processes differ, and tracking maturity dates and interest becomes harder than it should be," it noted.
Coin operates as a standalone app, separate from Kite, Zerodha Kite’s stock trading platform. It serves as Zerodha’s core offering for long-term investments, covering products such as mutual funds, insurance, and the National Pension System (NPS).
Zerodha said users can now book fixed deposits across multiple banks, compare interest rates, and track their investments, accrued interest, and upcoming maturities from a single interface. Given that small finance banks typically offer higher interest rates, fintech platforms have increasingly been partnering with them to provide FD options.
For first-time investments with a bank, users will be required to complete a one-time KYC process, which includes PAN and Aadhaar verification, along with basic personal details and nominee information.
The fully digital process allows users to open fixed deposits without needing to first set up a savings account with the respective bank. The Coin platform also enables investments in commission-free direct mutual funds, with no platform or distributor fees. It additionally serves as Zerodha’s offering for Systematic Investment Plans (SIPs). Fixed deposits are seen as a safe and traditional investment bets.
Notably, new age venture capital-backed startups such as Stable Money and super.money have also been offering fixed deposits on its platform.
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