Page 9 - Fixed Deposits

As banks up interest rates, stick to lower-tenure FDs for the present

Rate increases have only begun; doing so will allow you to reinvest your money at higher rates later

Understanding fixed and recurring deposits in banks

Before the equity market, mutual funds and other investment options became household names, FDs and RDs were considered the safest mode to park money. Let us decode them in this segment

Not financially savvy? Tackle reinvestment risk with deferred annuity plans

Invest only a part of your retirement corpus in them or else you will not be able to benefit from any rate increase

'AA'-rated NCDs: Risky to focus just on returns, say analysts

Limit exposure to 5-15% of debt portfolio, avoid investing for very long tenures

After Google Pay, Amazon debuts as platform for taking deposits

RBI has been wary of allowing tech giants in the banking space

Why RBI is concerned about Equitas SFB's new scheme for Google Pay users

The RBI is weighing carefully if this could eventually lead to a backdoor entry of Big Tech in the Indian banking system

Google Pay to allow users to open fixed deposits on its platform

American tech giant Google has recently partnered with fintech startup Setu to let users open fixed deposits (FDs) through the digital wallet platform Google Pay

Shriram City, STFC raise Rs 2,000 cr through retail fixed deposits in Jul

Shriram City Union Finance and Shriram Transport Finance Company have raised record retail fixed deposits (FDs) worth Rs 2,000 crore in July 2021

Paytm gateway enables payment from fixed deposit account held with IndusInd

Paytm Payments Bank's customers can now make instant payments through its payment gateway using balances available in their fixed deposit account held with its partner bank, IndusInd Bank.

Avoid locking into corporate FDs of longer tenures, say analysts

Deterioration risk in credit profile increases, and better rates may become available a year later

Give necessary standing instructions for renewal of your FD, say analysts

Inform your heirs about deposits and whereabouts of related documents so that they can make a claim

Multiple benefits of deferred annuities: How you can choose the right one

Savvy investors can expect to earn better returns by investing in alternatives

Purchase annuities in a staggered manner to get a better rate of return

Buy plans that do not have return of purchase price option, at a later age, to get a better rate of return

Investors must look at credit quality while choosing corporate FDs

Stick to deposits of firms with high rating

How faster deposit growth could become counterproductive for banks

Should deposit growth continue to outpace credit growth, banks may end up ceding some hard-earned 25-50 bps improvement in profitability or net interest margin gained in the past two years

This is not the time to lock yourself into long-term fixed deposits

If you invest for the shorter-term now, you will be able to roll over to higher rates when the interest-rate cycle turns

Strategies to protect your income in a scenario of falling interest rates

Several products offer better rates, especially for seniors; that said, never try to optimise returns when you need money in the short term

Regulatory caps on bank guarantees boost demand for fixed deposit receipts

Arrangements between brokers and banks have come under Sebi, RBI lens over potential risks

Lockdown impact: Bank credit growth plunges 50% in fortnight to May 22

Banks had surplus liquidity of Rs 4.5 trn in the period

RBI stops 7.75% bond: Here're some fixed-income options for senior citizens

PMVVY, SCSS, PPF and Bharat Bond are instruments senior citizens can turn to