Fixed Deposit Investment Behaviour Study

Help us understand your Fixed Deposit journey — what worked, what didn't, and what you'd want next time. This survey is anonymous and will take approximately 4 minutes to complete.
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1. What is your age group
18–27
28–35
35–50
Above 50
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2. What is your highest qualification?
High School
Bachelor's
Master's
Diploma
PhD
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3. What is your employment type?[Checkboxes]
Salaried
Business Owner
Freelancer
Student
Retired
Not currently working
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4. What is your monthly household income
Below ₹25,000
₹25,000–₹50,000
₹50,001–₹1,00,000
₹1,00,001–₹2,00,000
Above ₹2,00,000
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5. Which city tier do you belong to?
Tier 1
Tier 2
Tier 3
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6. When did you make your first Fixed Deposit, and what is its current status
Within the last 3 months, still active
3–12 months ago, still active
More than a year ago, still active
It has matured and I reinvested
It has matured and I did NOT reinvest
Never Opened Fixed Deposite
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7. What amount did you invest in your first Fixed Deposit
Below ₹10,000
₹10,000–₹50,000
₹50,000–₹1 lakh
₹1–5 lakh
Above ₹5 lakh
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8. What was your primary goal when opening your first Fixed Deposit[Checkboxes]
Safe returns
Emergency fund / safety net
Saving toward a specific goal
Parking idle money temporarily
Short-term savings
Tax saving
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9. Which financial goals are you currently working toward[Checkboxes]
Emergency fund
Home purchase
Child education
Retirement
Wealth creation
Tax saving
Travel
Other
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10. How important are guaranteed returns when you choose an investment
1 (Not important)
5 (Extremely important)
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11. Which investment products do you currently use[Checkboxes]
Savings account
Fixed Deposit
Recurring Deposit
Mutual Funds
Stocks
Gold / Silver
Bonds
Insurance
Crypto
None
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12. When you have spare money to invest for a short period, where do you usually put it
Savings account
Another Fixed Deposit
Recurring deposit
Liquid / short-term mutual fund
Leave it in the account
Other
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13. What did you do when you had spare money after your first FD?
Put it in a new FD in the same Bank/App
Put it in a new FD in a different Bank/App
Put it in another investment
Spent it
Left it in savings
Haven't had spare money since
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14. How easy was it to open your Fixed Deposit through the Mobile Banking/NBFC application
1 (Very difficult)
5 (Very easy)
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15. Did you face any difficulties while opening your Fixed Deposit, and where[Checkboxes]
No difficulties
Registration
KYC
Payment
Understanding Returns
Comparing rates
Customer support
Other (please specify)
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16. How clearly did you understand the Fixed Deposit's terms and returns
Completely
Mostly
Somewhat
Not really
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17. How easy was it to track your Fixed Deposit after investing
1 (Very difficult)
5 (Very easy)
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18. Since your first FD, how often have you thought about opening another one?
Never
Once or twice
Several times
I've been meaning to but haven't
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19. How much do you trust digital platforms for Fixed Deposit investing
1 (Do not trust)
5 (Fully trust)
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20. What gives you confidence to invest through a platform[Checkboxes]
RBI-regulated partners
Security measures
Transparent information
Positive reviews
Brand reputation
Family / friend recommendations
DICGC deposit insurance
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21. How safe did you feel about your money being locked in the Fixed Deposit
Completely comfortable
Mostly comfortable
Slightly uneasy about access
Disliked not having access
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22. Since your first FD, have you opened another separate FD with new money?
Yes, within 3 months
Yes, but after 3 months
No, not yet
No, and I don't plan to
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23. What is the single biggest reason you have not made a second Fixed Deposit
Returns were too low
I needed the money / liquidity
I found better investment options
I didn't trust it enough
I simply forgot or got no reminder
Fixed Deposits didn't fit my goals
The first one is still active
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24. Which of the following stopped you from reinvesting[Checkboxes]
Low returns
Lack of funds
Better investment options
Forgot after maturity
Poor platform experience
Lack of trust
Complicated process
Needed liquidity
Not applicable
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25. Since your first FD, how close have you come to opening another one?
  • Never considered it
  • Thought about it but never started
  • Started the process but didn't finish
  • I've been meaning to, just haven't yet
    • Not applicable
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    26. If you invested elsewhere instead of a second Fixed Deposit, where did the money go
    Mutual funds
    Stocks
    Gold
    Real estate
    Savings account
    Another Fixed Deposit provider
    Bonds
    I didn't invest it
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    27. When choosing where to invest next, what matters most to you[Checkboxes]
    Interest rates
    Safety
    Liquidity
    Brand reputation
    Ease of use
    Customer reviews
    Customer support
    Returns potential
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    28. What could have encouraged you to reinvest in a Fixed Deposit again
    Better interest rate
    Loyalty rewards
    Easier / one-tap process
    Auto-renewal option
    Personalized recommendations
    Better maturity reminders
    More transparency
    Goal-based prompts
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    29. If reinvesting had been a single tap at the right moment, how likely is it you would have done it
    Very likely
    Somewhat likely
    Unlikely
    No, my reason had nothing to do with ease
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    30. When would a prompt to open another FD be most useful to you?
    When my salary comes in
    A regular monthly reminder
    When FD rates are attractive
    When I'm close to a savings goal
    None, I'd prefer no prompts
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    31. How likely are you to invest in another Fixed Deposit in the next 6 months
    1 (Very unlikely)
    5 (Very likely)
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    32. How likely are you to recommend Fixed Deposit investing through a digital platform to a friend or family member
    0
    10
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    33. What is the one thing that would make you invest in Fixed Deposits more often through this platform
    Better interest rates
    A faster, one-tap way to open a new FD
    Reminders or prompts when I have money to invest
    Auto-debit / recurring FD option
    Help choosing the right FD for my goal
    More trust and safety reassurance
    Nothing — I invest as often as I want to
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