Comparing fixed deposits properly means matching the base rate, bonus conditions, after-tax interest, and maturity date on the same terms.
Fixed deposits are easy to misjudge if you only look at the large headline rate on screen, since it can obscure the terms you'd actually receive and how they fit your cash needs. Rather than pushing any specific product, this list walks through how to check the real terms yourself using the product disclosure and official comparison tools β starting with separating the base rate from bonus conditions, through after-tax interest, maturity timing, and early-withdrawal terms.
Each item is framed as a question aimed at the real terms hiding behind the number you see first. Keep notes organized around conditions and choices rather than specific dates, and get in the habit of rechecking anything that could change on the official screen right before you actually sign up. Rates and preferential conditions change at each institution's discretion, so recheck the current terms on the official comparison site or the bank's own page right before you sign up.