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38. Cash Management & Deposit Variants

Step-Up / Bump-Up CD

CD Variants

CD whose interest rate increases at set intervals or can be requested once during the term.

Risk Level
Low ★★☆☆☆
Liquidity
🟡 Medium
Min Investment
₹1,000
Ticket Size
₹1,000 minimum
Ideal Horizon
1–5 years
Region
US

📈 Historical Returns (Indicative)

1 Year
6.5–8.5%
3 Years
6.5–8.5%
5 Years
6.5–8.5%
10 Years
7–8%
20 Years
7–8%

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

🧮 XIRR Calculator — Step-Up / Bump-Up CD

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

  • ❌ Requires due diligence before investing
  • ❌ Returns not guaranteed

🚀 How to Invest in Step-Up / Bump-Up CD

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 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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