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Fixed Deposits (FDs) are offered by banks and NBFCs where you deposit a lump sum for a fixed tenure at a guaranteed interest rate. They are low-risk, easy to open and suitable for conservative investors who want stable and predictable returns. Government Bonds are debt instruments issued by the government to raise money. When you invest, you’re lending money to the …
Continue reading “Fixed Deposits vs. Government Bond: Which one is safer?”
Fixed Deposit (FD) is a retail investment system that allows people put in money to a bank for a fixed tenure at a guaranteed interest rate. Certificate of Deposit (CD) is a short-term, transferable money market instrument issued by banks and financial institutions, usually in large denominations. Simply put, when comparing fixed deposit vs certificate of deposit, an FD is meant for regular …
Continue reading “Fixed Deposit vs Certificate of Deposit: A Comprehensive Guide (2026)”
If you’ve ever opened an FD and later thought, ‘I should just move this FD to my spouse/daughter/parent,’ you’re not alone. Deposits are a huge part of how Indian households save. RBI’s household savings publications consistently show deposits as a major component of financial savings. [Source: Reserve Bank of India] But here’s the catch: in most banks, an FD is not like a movable asset you can …
Continue reading “Can a Fixed Deposit be Transferred to Another Person in India?”
Planning for retirement often raises a significant question: how can you keep your savings safe while also earning decent returns? For many in India, especially those above 60, senior citizen fixed deposit schemes become a natural choice. These aren’t new, but their reliability and slightly better returns still make them popular. Let’s look at what …
Continue reading “Senior Citizen Fixed Deposit: Special Rates and Key Benefits”
Many people treat fixed deposits as their go-to savings cushion. It’s a safe place for money to grow without stress. But life has its surprises – a sudden hospital expense, housework that can’t wait, or a shortfall before salary day. What do you do in moments like these? Here’s a better idea – borrow against …
Continue reading “How to Get a Loan Against Your Fixed Deposit?”
When it comes to investing, the golden rule is diversification. A well-diversified investment portfolio ensures that your money is spread across different asset classes, balancing growth with stability. While equities and mutual funds aim to deliver higher returns, Fixed Deposits (FDs) play a stabilising role by offering capital protection, assured returns and liquidity. This blog …
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When planning how to save your money, two options usually top the list – a fixed deposit and a savings deposit account. Both are widely used across India, backed by RBI-regulated financial institutions, and considered low-risk choices. But they work quite differently. A fixed deposit locks your funds for a chosen period and offers higher …
Continue reading “Fixed Deposit vs. Savings Account: What Suits You Better?”
Every parent dreams of building a safe and secure financial future for their child. Among the many investment options available in India, a Fixed Deposit (FD) for a minor is one of the most reliable and straightforward ways to ensure financial stability while earning guaranteed returns. Designed for children under 18, a minor FD allows …
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If you have a lump sum amount, a Fixed Deposit (FD) usually gives slightly higher returns because the entire amount earns interest from day one. If you want to save gradually, a Recurring Deposit (RD) is ideal. Both are low-risk savings options regulated by the Reserve Bank of India (RBI). Wondering which is better, FD …
Continue reading “FD vs RD: What’s the Difference and Which is Better?”
When you open a fixed deposit (FD), you get to decide how your interest will be paid. The 2 most popular choices are cumulative interest and non-cumulative interest, like quarterly interest payout. This choice matters because it decides: Many investors pick an option without fully understanding the difference. Some prefer a regular payout that they …
Continue reading “Cumulative Interest vs Quarterly Interest: Which Option Gives Better Returns?”
