1. Attractive rate of interest: You must have booked your Fixed Deposit at an attractive rate, as it is generally observed that banks like Suryoday offer higher rates on medium-term and long-term deposits. However, on breaking your FD, you will lose out on attractive returns.

2. Penalty: Fixed Deposit lets you easily access your money if you wish to close it prematurely. However, we recommend you use this feature wisely, as you must pay the penalty for breaking your Fixed Deposit and settle for a low rate. On the other hand, completing the entire tenure can build you an attractive corpus.

3. Assurance of guaranteed returns: Suryoday Fixed Deposits gives you guaranteed returns pre-decided at the point of investment. There is no volatility in returns, and that’s a big assurance. However, when you break your Fixed Deposit, you get a revised rate as per the investment's tenure, which would be less than your initial amount.

4. Tax Saving: One of the attractive features of investing in 5 years Fixed Deposit is that it helps you save taxes. It plays a vital role in financial planning. On breaking Fixed Deposit, you lose out on tax saving privilege.

5. Financial discipline: Setting aside money in Fixed Deposit and earmarking it for a particular goal helps you reach your target. However, by breaking your FD, you may derail your financial plans and may have to start afresh.

So, now you have five reasons to continue with Fixed Deposit.