RBI cuts repo rate by 50 bps to 5.5%. FD interest rates fall further, prompting investors to consider laddering, hybrid funds, and small savings schemes for better returns
Senior citizens are often loathe to deal with the intricacies of complex financial instruments. In such cases, it might be a good idea to just park their savings in a fixed deposit
In May 2025, small finance banks are offering the highest FD interest rates, with NorthEast Small Finance Bank leading at 9%. Explore the best rates across small finance, private, public, and foreign
Learn how to minimize penalties on premature FD withdrawals by choosing the right bank and smart structuring strategies like laddering, sweep-in, and loans against FDs.
Exposure to gold and longer-duration debt, and purchasing equity funds systematically as valuations soften can help investors navigate this phase
Several lenders have revised their fixed deposit plans after central bank cut the repo rate
The highest rate is now 6.90 per cent for deposits of 2 to 3 years for regular customers, and 7.50 per cent for senior citizens for deposits of 5 to 10 years
The decision came on Saturday (April 12) after the Reserve Bank of India cut the policy repo rate by another 25 bps to 6 per cent
This second cut in three months could affect returns for fixed deposit (FD) holders
Fixed deposits ensure that the principal amount invested is preserved. Investors can rest assured that they will receive their initial investment back along with accrued interest at maturity
In a recent judgement, the Madras High Court held that fixed deposits (FDs) and jewels come under the definition of property under the Senior Citizen Act, 2007
The bank now offers interest rates between 4.25 per cent and 8.50 per cent on FD amounts below Rs 3 crore for senior citizens for tenures ranging from 7 days to 10 years
As of January 31, 2025, ESFs managed assets worth ₹42,161 crore, according to the Association of Mutual Funds in India
Stock market crash has renewed focus on fixed deposits, which remain a preferred investment option
If you want a low-risk investment strategy, fixed deposits may be the way to go for you. But remember, the returns will also be commensurately lower
In terms of interest rates, small finance banks and private sector banks tend to offer higher rates compared to their public sector counterparts
Stock market fluctuations are common, but FDs offer stability, particularly in times of volatility
This instrument allows you to earn interest on your idle funds for a set period of time.
Lender cuts rates by 25 bps, lowering the highest rate to 9.05% from 9.30% for senior citizens on tenures ranging from 12 months and 1 day to less than 18 months
Amid continuous market volatility, arbitrage funds have surpassed public bank fixed deposits (FDs) in terms of one-year returns