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A debt instrument is an asset that an entity, such as an individual, business, or the government, uses to raise capital or to generate investment income. Investors provide fixed-income asset issuers with a lump-sum in exchange for interest payments at regular intervals. Fixed-income issuers repay the full principal balance of a bond or debenture at the maturity date. Credit facilities such as mortgages, loans, lines of credit, and credit cards are also considered debt facilities .Types of debt instruments available are- Fixed Deposit, Public Provident Fund and Employees’ Provident Fund. Let’s first understand about FIXED DEPOSIT. A fixed deposit is a type of deposit in which a sum of money is locked for a fixed period of time. However, the tenure for the fixed deposit is decided by the person who invests his funds. This tenure could be anywhere from a few days to several years. In return for locking in these funds, fixed deposits pay the depositor a fixed rate of interest. All banks of