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The interest the bank pays on your fixed deposit varies according to size and tenure of the deposit. You must be familiar that interest on fixed deposits fluctuates from time to time and to maximize returns, you can opt for FDs across maturity periods.

According to IndianMoney Complaints, invest in an FD where the maturity period is a year and in another FD, with long term maturity of three to five years. You can reinvest your FD after maturity, as the interest rate changes over the period.