Hello , Sir . So , you are back ?   Yes , hello again . I would like to know the exact difference between Dividend Deposit and Dividend Participated Deposit .   That's pretty easy to explain . With the Deposit , the interest is fixed , but the Dividend of each policy will be transferred automatically into your bank account by the end of each year . The longer the term , the higher the Dividend you earn . This is because it is calculated at the Compound Interest Rate .   And I can purchase that here ?   Yes . And if you already have a Current Account with us , the Insurance Premium can be paid through it , which saves all of us a lot of hassle . 