Data shows that FDs beat stock market returns in FY26. Analysts, however, expect equities to outperform most asset classes in FY27 despite the ongoing geopolitical conflict in West Asia.
Here's how leading analysts expect FY27 to play out for different asset classes and suggest an ideal investing strategy.
Small finance banks continue to outpace major lenders in March-end, offering interest rates of up to 8% on select fixed-deposit tenures
Suryoday SFB revises FD rates, offers up to 8.10% for senior citizens
High-yield small finance banks outpace major lenders as data reveals a significant interest rate gap for investors
Senior citizen best fixed deposit interest rates: With the repo rate unchanged at 5.25%, depositors may still have time to lock higher fixed deposit returns before banks reprice
Small finance banks lead the market for retirees, with senior citizen fixed deposit rates peaking at over 8% across select tenures
FD Rates December 2025: Small finance banks offer the most competitive returns as 2025 draws to a close, with select five-year fixed deposits reaching the 8% mark
Small finance banks lead returns, while PSU and private banks offer steadier FD yields across tenures
Small finance banks offer the highest interest rates, while private- and public-sector Banks offer generally lower peak rates
Senior citizens earn the highest FD returns from small finance banks, with rates up to 8.15%, while new TDS limits apply from Budget 2025
FD Rates in October: The RBI's latest monetary policy minutes suggest a possible rate cut ahead, prompting experts to advise fixed deposit investors to lock in current rates before banks lower returns
Ladder investments across tenures to manage reinvestment risk, maintain liquidity, and balance returns amid falling interest rates and limited fixed-income options
Opening deposits with multiple financial institutions is a safe investment option
Small finance bank says its terms are among the most attractive in banking
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
Senior citizens, who are often overlooked in financial planning by families due to their unfamiliarity with new strategies, still get the best rates for fixed deposits
Best FD rates in August: Top banks, small finance banks and NBFCs now offer up to 8.50% on fixed deposits as RBI holds repo rate steady at 5.5%
Fixed deposits are a safe bet for risk-averse investors and are unlikely to change terms soon
Most banks have already cut their FD rates in response to previous repo rate cuts.