A structured deposit that offers repayment of the full principal at maturity can be a useful alternative to savings accounts, current accounts or term deposits. Some structured notes offer strike prices—the price at which a call or put option is exercised—that are significantly below market prices; for. Structured Deposit Meaning: In banking terminology, the term structured deposit refers to a type of financial account with funds placed into conventional fixed deposits with an investment on a derivative instrument on assets such as currencies, commodities, equities or bonds. The tenure of this product is generally between one and five years.

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