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39. Impact & Socially Responsible Investing

Community Development Financial Institution (CDFI) Deposit

Community Development

Deposits placed with mission-driven lenders serving underserved communities.

Risk Level
Low ★★☆☆☆
Liquidity
🔴 Low
Min Investment
₹1,000
Ticket Size
₹1,000 minimum
Ideal Horizon
1–3 years
Region
US

📈 Historical Returns (Indicative)

1 Year
5–8%
3 Years
6–8%
5 Years
6–8%
10 Years
6–8%
20 Years
6–8%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Community Development Financial Institution (CDFI) Deposit

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected

Disadvantages

  • ❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Community Development Financial Institution (CDFI) Deposit

  1. Visit your bank branch or use net banking / mobile app
  2. Compare rates: BankBazaar, Paisabazaar aggregator sites
  3. DICGC insurance covers up to ₹5 lakh per bank per depositor
  4. Senior citizens get 0.25–0.5% extra rate at most banks

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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