Fixed Deposit Management Software in Tamil Nadu
Complete Cloud ERP for Fixed Deposits (FD), Recurring Deposits (RD) & Public Savings. Integrated with Aadhaar e-KYC, Automated Interest Payout APIs, Digital FD Receipt PDF Generation, Form 15G/15H TDS Module, and Loan Against FD (LAFD).
Next-Gen Fixed Deposit & Public Savings Management ERP
Managing public deposits, member fixed deposits, and recurring savings requires accurate interest computation, seamless bank interest payouts, automated TDS 15G/15H management, digital receipt issuing, and strict compliance with RBI, Nidhi, and Cooperative rules. AMY Fintech’s Fixed Deposit Management Software is custom-designed for NBFC-Depositories, Nidhi Companies, Cooperative Credit Societies, Microfinance Institutions, and Mutual Benefit Trusts across Tamil Nadu and Pondicherry.
From Chennai to Kanyakumari, Coimbatore to Thanjavur, Madurai to Salem, our cloud FD/RD system replaces manual ledger books with automated paperless KYC, instant PDF deposit receipt creation, automated monthly interest credit to investor bank accounts via IMPS, premature penalty rules, and Loan Against FD (LAFD) lien marking.
Comprehensive Fixed Deposit Software Modules
Everything your financial institution needs to manage FDs, RDs, interest payouts, tax compliance, and investor portals.
FD/RD Account Creation & e-KYC
Paperless investor onboarding with Aadhaar e-KYC, PAN card verification, joint applicant mapping, nominee details, and auto-generated deposit account numbers.
Flexible Interest & Deposit Schemes
Configure Cumulative & Non-Cumulative FD schemes (monthly, quarterly, annual interest payout), senior citizen bonus interest rates, and compounding interest engines.
Automated Bank Interest Payout APIs
Disburse monthly or quarterly interest payouts directly to investor bank accounts via IMPS/NEFT payment gateway integrations (RazorpayX, Paytm, ICICI Bank).
Digital FD Receipts & Certificate PDF
Generate downloadable PDF Fixed Deposit Receipts (FDR) with digital signatures, security QR codes, scheme terms, and instant SMS / WhatsApp delivery.
Form 15G / 15H & TDS Tax Compliance
Automated TDS calculation under Section 194A, online upload & verification of Form 15G / 15H tax exemption forms, and automated Form 16A generation.
Loan Against FD (LAFD) & Premature Closure
Sanction loans against FD up to 90% value with automated lien marking, or process premature FD closures with automated penalty rule calculations.
5-Step Automated Fixed Deposit Processing Workflow
Experience seamless public deposit management from investor booking to final maturity payout.
Investor e-KYC
Aadhaar OTP e-KYC, PAN card verification & nominee details submission.
Scheme Selection
Select FD tenure, cumulative/non-cumulative scheme & interest rate.
Deposit & Receipt
Fund credit via payment gateway/bank & digital PDF FD Receipt generation.
Interest Payout
Automated monthly/quarterly interest credit to investor bank account.
Maturity & Renewal
Automated maturity alert, auto-renewal or IMPS principal payout.
Fixed Deposit Management Software Across All 38 Districts in Tamil Nadu & Pondicherry
AMY Fintech powers Fixed Deposit NBFCs, Nidhi Companies, Cooperative Credit Societies, and Private Financiers across all major commercial, IT, industrial, and rural hubs in Tamil Nadu and Pondicherry:
See AMY Fintech Fixed Deposit Software in Action
Watch how our cloud fixed deposit software automates FD booking, PDF receipt generation, interest bank payout, and TDS 15G/15H management.
Frequently Asked Questions (FAQs)
Common queries about our Fixed Deposit ERP software in Tamil Nadu.
1. What is Fixed Deposit Management Software?
It is a cloud financial ERP system designed for NBFCs, Nidhi Companies, and Cooperative Credit Societies to manage member public deposits, Fixed Deposits (FD), Recurring Deposits (RD), automated bank interest payouts, digital PDF deposit certificates, TDS Form 15G/15H management, and Loan Against FD (LAFD).
2. How are monthly or quarterly interest payouts processed?
AMY Fintech integrates with banking payment APIs (RazorpayX, Paytm, ICICI Bank). On scheduled interest payout dates, the system automatically calculates exact interest amounts, deducts TDS if applicable, and transfers funds directly to the investor’s bank account via IMPS/NEFT.
3. Does the software generate digital FD certificates with QR verification?
Yes! Upon deposit booking, an official Fixed Deposit Receipt (FDR) PDF is generated with digital signatures, security QR code verification, scheme terms, and sent instantly via WhatsApp and SMS to the investor.
4. Can investors take a Loan Against Fixed Deposit (LAFD)?
Absolulytely. The software supports instant Loan Against FD origination up to 90% of the active deposit principal value with automated lien marking on the deposit certificate.
5. How does the software handle TDS Section 194A and Form 15G/15H?
The software automatically computes TDS on interest earned exceeding annual statutory thresholds. Investors can upload Form 15G (for individuals below 60) or Form 15H (for senior citizens) to claim TDS exemption online.
6. How fast can our financial institution go live with AMY Fintech FD ERP?
Our cloud platform can be deployed within 24 to 48 hours, including master deposit scheme setup, interest slab configuration, bank payout API linking, and staff training.
Ready to Automate Your Fixed Deposit Operations?
Schedule a personalized live demo today and discover how AMY Fintech empowers deposit-taking institutions across Tamil Nadu with 100% digital public savings software.