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Diversify beyond fixed deposits

Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline.

Sanjay Kumar Singh 

Being flush with liquidity and having limited avenues to deploy their funds, banks have begun to cut deposit rates. State Bank of India (SBI), ICICI Bank and HDFC Bank, among others, have reduced fixed deposit (FD) rates by 15-25 basis points (bps) for retail (small) deposits. For bulk  deposits (Rs 1 crore and above), SBI cut rates by 125-190 bps last week. With large deposits coming due to demonetisation, bank deposit rates are likely to remain subdued. Investors who have relied primarily on these need to diversify their fixed-income basket, so that their portfolio return ...

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