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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 SafeGold — India's leading digital gold platform. Every rupee you invest is backed by physical 24K 999.9 purity gold stored in BIS-hallmarked, insured, audited vaults (Brinks/Sequel Logistics). You can redeem for physical gold coins from 0.5g anytime via SafeGold's delivery network. Nishwik is a distribution partner for SafeGold 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.