Fixed Deposits — Terms & Conditions

These Terms & Conditions (“Terms”) govern Your access to and use of the services provided by Finanjo Technologies Private Limited (CIN: U66190RJ2025PTC103553), a company incorporated under the Companies Act, 2013, having its registered office at 10/1, Basement, Chitrakoo Stadium, Near HDFC Bank, Vaishali Nagar, Jaipur, Rajasthan, India, 302021 (“Finanjo”, “We”, “Us” or “Our”), through the Finanjo website, mobile applications, APIs, and any other digital interfaces (collectively, the “Platform”).

Please read these Terms carefully before accessing or using the Platform. By accessing or using the Platform, You signify that You have read, understood, acknowledged, and agreed to be bound by these Terms, our Privacy Policy, and any other policy or document expressly incorporated herein. If You do not agree to these Terms, You must not access or use the Platform.

  • Finanjo does not hold your money at any point. Finanjo acts as a distributor platform and helps you connect to the financial institutions (Banks, small finance banks, NBFCs etc)
  • Finanjo might use third party service providers to enable FDs on the platform. Certain data will be passed through third party servers to enable services.
  • Any disputes arising out of the transaction will directly have to be settled with the banks. Users can get in touch with the compliance officer at Finanjo at [email protected] and Finanjo will help you get in touch with the right people.
  • The interest rates and other terms of the FD are subject to change as per bank and RBI guidelines.

Cashback Offer on Fixed Deposits

Subject to these Terms, Finanjo offers promotional incentives to eligible users who book Fixed Deposits through the Platform.

  • Users who successfully book a Fixed Deposit with a minimum tenure of 1 (one) year through the Finanjo Platform may be eligible to receive a cashback of 1% of the principal amount , subject to the conditions set out herein.
  • Certain Fixed Deposits available on the Platform may display interest rates of up to 9.00% per annum , which may include the 1% cashback component provided by Finanjo . The cashback is a promotional benefit and does not form part of the base interest rate offered by the issuing bank or financial institution.
  • The cashback amount, if applicable, will be credited only after the maturity of the Fixed Deposit , provided that the Fixed Deposit has been held until maturity and has not been prematurely withdrawn, cancelled, or modified.
  • Cashback will be credited to the user’s registered bank account or through such other mode as may be determined by Finanjo from time to time.
  • In addition to the cashback, Finanjo may offer a separate limited-time promotional incentive , such as an Amazon gift voucher worth ₹1,000 , applicable only to the first 100 users who successfully book a Fixed Deposit of ₹1,00,000 or more for a tenure of at least 1 year through the Platform.
    This promotional voucher, where applicable, is separate from and independent of the 1% cashback.
  • Cashback eligibility is limited to Fixed Deposits booked only through the Finanjo Platform and does not apply to Fixed Deposits booked directly with partner banks or financial institutions outside the Platform.
  • Finanjo reserves the right to modify, suspend, or withdraw the cashback offer or any promotional incentive at any time, including changes to eligibility criteria or payout timelines, subject to applicable laws.
  • Cashback and promotional incentives, if offered, are independent of the interest, returns, or benefits offered by the issuing bank or financial institution.
  • Any tax implications arising from the receipt of cashback or promotional incentives shall be solely borne by the user.