Fixed Deposit

FDs offer safety and debt funds offer flexibility and tax advantage—choosing the right one is a matter of your goals and risk profile.

Should retirees look beyond fixed deposits for steady income?

Higher inflation rates and changing tax strategies have led most retirees to wonder whether simple fixed deposits are enough to cover their economic well-being.

Best savings scheme: Invest ₹15 lakh and get ₹22 lakh — this government plan beats FDs

Looking for a safe way to grow your money? This senior-friendly scheme offers better returns than most bank FDs.

Thinking of borrowing against your FD? Here's what you should know

A fixed deposit loan offers hassle-free, low-cost money without wrecking your investment—but it's not for every situation.

PPF or fixed deposit What's more suited to your long-term savings scheme

Comparing fixed deposits and Public Provident Fund to help you choose the right savings option.

SCSS or senior citizen fixed deposits: What is the better choice for greater interest in 2025?

SCSS and senior citizen FDs both offer secure returns, but fluctuation in interest rates and flexibility can influence your retirement earnings.

Are small savings schemes better than fixed deposits? A return and reliability perspective

Small savings schemes often offer better post-tax returns and higher safety than fixed deposits, especially for long-term investors in higher tax brackets.

Should you break your fixed deposit or take a loan against it? Here's how to decide--12993460

Deciding between breaking a fixed deposit or taking a loan against it depends on urgency, penalty costs, repayment ability, and the long-term impact on your financial goals.

Jana SFB introduces FD for short-term liquidity needs, offers 6.75% interest

Highlighting some of the key features of the FD, Ajay Kanwal, MD and CEO of the bank, said to Moneycontrol that customers can opt for instant overdraft facility, same day redemption and availability of partial withdrawal feature.

SBI launches new term deposit scheme ‘Amrit Vrishti’ with tenure of 444 days

The new scheme caters to both domestic and non-resident Indian customers, says SBI. For senior citizens, the lender will offer an interest rate of 7.75 percent.

SBI revises interest rates on retail term deposits: Check details

State Bank of India (SBI) has revised the interest rates it offers on retail term deposits.

Kotak Mahindra Bank raises FDs rates across tenures by up to 85 bps

FD rates for senior citizens have been increased by up to 85 basis points (bps) across tenures, the bank said in a press release

Small savings schemes set to get more attractive as govt eases rules

Under the new norms, individuals now have three months to open an account for the Senior Citizen’s Savings Scheme, an increase from the current one-month timeframe.

How Stable Money is shining the spotlight on fixed deposits | Simply Save

If you thought investing in fixed deposits (FDs) was boring, think again. Today, many online investment platforms offer FDs for investment. One such platform is Stable Money which began offering FDs to its customers, beginning last month. In a conversation with Moneycontrol, Saurabh Jain, Co-Founder, Stable Money talks about FDs as an investment avenue. Listen in

Public Provident Fund (PPF) vs Fixed Deposit (FD): Know which is a better tax saving option

PPF vs FD: Individual’s contributions to PPF are qualified for tax deductions under Section 80C of the Income Tax Act, which can help cut your tax liability

How to earn more interest from your savings bank account

Auto sweep facility allows savings account holders to earn FD-like interest income while retaining the liquidity offered by a saving account. Some banks offer this facility. In June, Kotak Mahindra Bank launched its ActivMoney feature for both its savings and current account holders

Non-equity mutual fund tax: FDs & bullion to be more attractive, bonds to take a hit

With the proposed change, retail investors may stay away from non-equity mutual funds because if they are risk-averse and conservative in their approach, they may just find it easier to park monies in fixed deposits

With smarter fund management, debt can still make a difference

With the indexation benefits gone, debt funds will focus on generating better returns compared to bank fixed deposits. If that happens, they will still be a good bet for long-term fixed-income investors

Change in debt mutual fund tax norms could channel flows into bank FDs, say experts

The Finance Bill has proposed that income from mutual funds where not more than 35 percent is invested in stocks of Indian companies will be considered short-term capital gains.

First time in many years, fixed deposit rates turn positive at 8%

Banks are forced to offer inflation-beating deposit rates for a tenor ranging from 200 to 800 days as credit growth has been far outpacing deposit mobilization throughout this fiscal, leading to a funding crunch.

Banks likely to hike FD rates in line with new savings scheme in budget 2023, experts say

After Budget 2023 proposed a new small savings scheme offering 7.5 percent interest, experts say banks can hike interest rates on Fixed Deposits (FDs) to stay ahead of the competition and attract more customers

Race for deposits: Banks lure customers with new schemes, higher interest

Banks are seeking to boost term deposits to keep pace with growth in lending

The great Indian banking baraat: Megaphones, grand processions, music—all to lure the elusive depositor

Bankers are running baraat-like shows on streets in a desperate bid to garner deposits. Is making a show to market deposit products a new norm?

PNB hikes deposit rates by up to 0.50 % from January 1

The bank increased interest rates on saving and fixed deposit accounts