Fixed Deposits from partner banks & NBFCs. Digital Gold from ₹10 via an approved partner platform. Mutual Funds coming soon. Compare, choose, and invest — all in one place.
Product details reflect partner-lender arrangements as verified on 9 Aug 2026; specifics are confirmed by the regulated lender at application. Review cadence: quarterly.
Educational FD Comparison & Returns Estimator
Educational guidance only. Nishwik is a distribution platform and does not set, offer, or guarantee fixed deposit interest rates. Current deposit terms, interest rates, DICGC insurance eligibility, and credit ratings are determined solely by issuing banks and NBFCs upon application.
Assumes annual compounding. Actual returns depend on partner terms and TDS deductions.
FD products are offered by partner banks. Rates, tenure and eligibility are determined by the issuing institution.
24K Digital Gold — Educational Accumulation Estimator
Market Pricing via Partner Platform
Gold prices fluctuate continuously with international commodity markets. Live buy/sell prices, storage, delivery fees, and 3% GST are determined directly on the partner platform at the time of purchase.
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Start from ₹10
No minimum beyond ₹10. Invest any amount, any time of day.
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Physical Delivery
Convert to 24K gold coins from 0.5g via the partner platform's delivery network.
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SIP-Style Accumulation
Auto-invest daily, weekly, or monthly. Systematic gold accumulation.
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BIS-hallmarked
Digital Gold is offered through approved partner platforms. Gold pricing, storage, redemption, settlement, and partner terms apply.
⚠️ Digital gold prices fluctuate with international market rates. Past performance does not guarantee future returns. Nishwik is a distribution partner for an approved partner platform holding BIS-hallmarked physical gold. Nishwik does not hold or manage gold on your behalf.
How much gold will you get?
Estimated accumulation (educational simulation)
0.1333 grams of 24K Gold
Based on educational benchmark rate of ₹7,500/g · Live market execution price is determined by the partner platform upon purchase
Why Digital Gold over Physical Gold?
No making charges · No storage risk · Buy and sell 24/7 · BIS-hallmarked and insured · Physical delivery available anytime from 0.5g
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You're on the waitlist! We'll notify you at launch.
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Mutual Funds — Launching Soon
Goal-based SIP investing from SEBI-registered AMCs. Curated plans for education, home down payment, and retirement. Nishwik will operate as a registered AMFI ARN distributor.
⚠️ Mutual fund investments are subject to market risks. Please read the Scheme Information Document (SID) carefully before investing. Past returns do not guarantee future performance.
Nishwik's Mutual Fund module is planned to offer goal-based investing from SEBI-registered AMCs, once the required registration or partner arrangement is active — curated to match your financial milestones.
→Curated plans from SEBI-registered AMCs (on launch)
→Track MF portfolio alongside FDs and gold
→One-click SIP setup and auto-investment
Join Waitlist — Get Early Access
✅ You're on the list! We'll notify you at launch.
Investment FAQ
Questions answered.
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Au
No. Returns on Fixed Deposits depend on rates offered by partner banks and NBFCs at the time of investment. NBFC FDs are not covered by DICGC insurance. Digital Gold returns fluctuate with international market prices. Mutual fund returns depend on market performance. Nishwik is a distribution platform and does not guarantee any returns on any investment product.
Bank FDs are covered by DICGC deposit insurance up to ₹5 lakhs per depositor per bank — they carry lower risk but typically offer lower interest rates. NBFC FDs often offer 1–2% higher interest rates but are NOT covered by DICGC insurance and carry higher risk. Nishwik shows you both options with clear risk labels so you can make an informed decision. Always check the NBFC's credit rating (CRISIL/ICRA) before investing.
Yes. Nishwik's Digital Gold is powered by an approved digital gold partner platform. According to the partner platform, purchases are backed by physical gold held in vaults under its custody arrangements; storage, insurance, audit and redemption terms are set by the partner platform and shown before you buy. Digital gold is not regulated by SEBI or RBI. You can request redemption for physical gold coins via the partner platform's delivery network. Nishwik is a distribution partner for the approved partner platform and does not hold gold on your behalf.
TDS is deducted by the partner institution (not Nishwik) as per Income Tax Act provisions. TDS applies at 10% if annual interest exceeds ₹40,000 (₹50,000 for senior citizens) per institution. You can submit Form 15G (below exemption limit) or 15H (senior citizens) to avoid TDS. Nishwik's team can assist with this process for partner institution FDs.
Minimum investment varies by partner institution. Typically: NBFC FDs start from ₹5,000–₹25,000 minimum; bank FDs from ₹1,000–₹10,000 minimum. Digital Gold starts from just ₹10. Exact minimums are displayed in the FD offer details. Nishwik's team will confirm the minimum for your chosen institution.
Get Started
Ready to start investing?
Join the waitlist for early access to all Nishwik investment products. Our team will guide you through your first investment.
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Request Received!
A Nishwik investment advisor will contact you within 24 hours to discuss your investment options.