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Page 4 - Fixed Deposits

This is not the time to lock yourself into long-term fixed deposits

If you invest for the shorter-term now, you will be able to roll over to higher rates when the interest-rate cycle turns

This is not the time to lock yourself into long-term fixed deposits
Updated On : 03 Oct 2020 | 2:12 AM IST

Strategies to protect your income in a scenario of falling interest rates

Several products offer better rates, especially for seniors; that said, never try to optimise returns when you need money in the short term

Strategies to protect your income in a scenario of falling interest rates
Updated On : 20 Sep 2020 | 7:31 PM IST

Regulatory caps on bank guarantees boost demand for fixed deposit receipts

Arrangements between brokers and banks have come under Sebi, RBI lens over potential risks

Regulatory caps on bank guarantees boost demand for fixed deposit receipts
Updated On : 07 Aug 2020 | 6:08 AM IST

Lockdown impact: Bank credit growth plunges 50% in fortnight to May 22

Banks had surplus liquidity of Rs 4.5 trn in the period

Lockdown impact: Bank credit growth plunges 50% in fortnight to May 22
Updated On : 06 Jun 2020 | 11:37 PM IST

RBI stops 7.75% bond: Here're some fixed-income options for senior citizens

PMVVY, SCSS, PPF and Bharat Bond are instruments senior citizens can turn to

RBI stops 7.75% bond: Here're some fixed-income options for senior citizens
Updated On : 03 Jun 2020 | 2:52 AM IST

State Bank of India slashes FD rate by 40 bps, second cut in May

The lender will also extend EMI moratorium by 3 months for all eligible customers without waiting for a request

State Bank of India slashes FD rate by 40 bps, second cut in May
Updated On : 27 May 2020 | 10:57 PM IST

Diversify your investments beyond bank FDs to counter declining rates

Invest in a mix of small savings products, debt funds with quality portfolios to counter declining rates

Diversify your investments beyond bank FDs to counter declining rates
Updated On : 26 May 2020 | 1:47 AM IST

HNIs turn to low-return products; tax-free bonds, FDs preferred choices

Tax-free bonds, FDs, RBI 7.75% bonds, gilt funds preferred choices

HNIs turn to low-return products; tax-free bonds, FDs preferred choices
Updated On : 26 May 2020 | 12:54 AM IST

Gloom for savers: How RBI repo rate cut will impact FD investments, savings

The recent spate of rate cuts by the Reserve Bank of India could be bad news for savers

Gloom for savers: How RBI repo rate cut will impact FD investments, savings
Updated On : 22 May 2020 | 1:46 PM IST

Sudden spike in bond yield amid coronavirus outbreak signals trouble

Also, watch out for a company raising money at a very high rate of interest

Sudden spike in bond yield amid coronavirus outbreak signals trouble
Updated On : 22 May 2020 | 2:55 AM IST

It may be time to change the way UCBs and NBFCs raise retail deposits

It may be time to link the higher deposit insurance cover and the way co-operative banks and select non-banks raise retail resources, writes Raghu Mohan

It may be time to change the way UCBs and NBFCs raise retail deposits
Updated On : 21 May 2020 | 12:36 AM IST

How to get the most out of your fixed deposits as interest rates fall

Choose a higher compounding frequency, and invest across multiple tenures and banks

How to get the most out of your fixed deposits as interest rates fall
Updated On : 10 May 2020 | 8:00 PM IST

Don't chase higher yields, avoid risk and stick to safer categories

Stick to solid banks and shun both credit and duration risk in debt funds

Don't chase higher yields, avoid risk and stick to safer categories
Updated On : 30 Apr 2020 | 1:57 AM IST

Need cash? Loan against fixed deposits is cheaper than a personal loan

Here is how the rares of loan against fixed offered by various banks stack up

Need cash? Loan against fixed deposits is cheaper than a personal loan
Updated On : 20 Apr 2020 | 1:37 AM IST

Small savings will continue to be attractive despite Coronavirus outbreak

While banks have been cutting fixed deposit (FD) rates, small savings rates have not been revised for some time, and that has created an abnormal differential between them

Small savings will continue to be attractive despite Coronavirus outbreak
Updated On : 24 Mar 2020 | 1:29 AM IST

Indian investors turn risk-averse in 2019, investments rise in FDs

The post-tax return from most fixed-income instruments marginally beats, or lags behind, the inflation rate

Indian investors turn risk-averse in 2019, investments rise in FDs
Updated On : 26 Feb 2020 | 9:35 PM IST

Budget impact: High share of FDs in investment can hit your wealth creation

Though FD insurance cover has risen 5-fold, younger investors should use those to park short-term funds

Budget impact: High share of FDs in investment can hit your wealth creation
Updated On : 05 Feb 2020 | 12:39 AM IST

Bank savings account, fixed deposit or debt fund - the better option?

The savings bank rate and the debt fund rate of return are variable and market-driven

Bank savings account, fixed deposit or debt fund - the better option?
Updated On : 29 Jan 2020 | 11:42 PM IST

SBI revises interest rates on loans, FDs, savings deposits: check new rates

SBI has lowered rates on fixed deposits by 10 basis points for '1 year to less than 2 years' maturity with effect from October 10, 2019

SBI revises interest rates on loans, FDs, savings deposits: check new rates
Updated On : 09 Oct 2019 | 4:10 PM IST

Fixed deposits promise steady returns for two-three year investment horizon

If you are not-so-comfortable with SFBs, even some private and public banks are offering good rates on FDs

Fixed deposits promise steady returns for two-three year investment horizon
Updated On : 07 Aug 2019 | 2:35 AM IST