Fixed Deposit

Are corporate fixed deposits a good idea for investing your money?

Corporate FDs often offer higher interest and flexible tenures, but they also carry greater risk than bank FDs. Here is what investors should consider before putting in their money

FD rates in Nov: From SBI to Yes Bank, top interest offers across banks

Banks have trimmed fixed deposit rates in recent months, but several lenders still offer competitive returns across key tenures. Here is a detailed look at the latest FD slabs for investors

Fixed deposits: A low-risk option if you are not the worrying type

Here is a detailed list of the fixed deposit interest rates being offered by various banks across different tenures

Lower CASA ratios, declining FDS raise deposit stability concerns for bank

A "structural shift" in deposit composition due to a decline in fixed deposits and lower share of current and savings accounts (Casa) balances poses challenges to banks over the medium to long term, rating agency Crisil said on Friday. This comes amid concerns in some quarters over the increased preference for capital market investments by households looking for higher yields, while others believe the shift is representative of the maturing profile of the system. "Two key trends, a decline in household contribution to term deposits and a lower Casa ratio, indicate a structural shift in deposit composition. And these may pose challenges to deposit stability and impact funding costs over the medium to long term, particularly during periods of tight liquidity," the rating agency said in a note Housheholds accounted for 60 per cent of the deposit base in March 2025 as against 64 per cent in March 2020, Crisil said, adding that besides growth in deposits, composition of the base is also

Best fixed deposit rates in October 2025: 15 banks offering top returns

FD Rates in October 2025: Fixed deposits remain a safe bet, but the right mix of laddering, diversification and payout choice can boost returns. Here's how October 2025 FD rates stack up across banks

FD rates up to 8.40%: Small finance banks lead, PSU banks stay lower

FD Rates for Senior citizen: Senior citizens can now earn up to 8.40% on fixed deposits, with Suryoday Small Finance Bank offering the highest rate

Loan against insurance: Compare with FD, gold, and top-up loans

Remember, if surrender value falls below dues, the policy is foreclosed, leading to loss of coverage

FD interest payout tips: How monthly, quarterly and cumulative differ

A ₹10 lakh FD in Punjab National Bank shows how your returns can change depending on whether you pick monthly, quarterly or cumulative interest, and how tax rules apply

RBI leaves repo rate unchanged, FD rates unlikely to move higher for now

The central bank's decision to keep the policy rate at 5.5 per cent, and inflation projected to stay low, means that fixed deposit rates are not likely to be revised upwards

Bad news for FDs: Rates to fall sharply as RBI cuts repo rate by 50 bps

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

What are the best fixed deposit rates for senior citizens?

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

Up to 9% interest rates: FD rates in may, small fin banks lead

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

Need to break your fixed deposit early? Here's how to slash penalty costs

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.

How to navigate a market when both equity returns and FDs are declining

Exposure to gold and longer-duration debt, and purchasing equity funds systematically as valuations soften can help investors navigate this phase

BoI lowers FD rates, ends 400-day special scheme offering 7.30% interest

Several lenders have revised their fixed deposit plans after central bank cut the repo rate

SBI cuts FD rates, reintroduces 'Amrit Vrishti' scheme with lower returns

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

Bank of India cuts interest rates on short and medium-term FDs

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

RBI rate cut to hit Fixed Deposit returns: What investors can do now

This second cut in three months could affect returns for fixed deposit (FD) holders

Stable returns, flexible tenure: Why do you need FDs in your portfolio?

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

Madras HC: FDs, jewellery qualify as property under Senior Citizens Act

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