Fixed deposit articles

[Translate] Sumit has a Fixed Deposit (FD) with SBI bank and is very upbeat about the high interest rate scenario at present. He is contemplating to break his FD and re-invest the amount at higher rate. His hypothesis lies with a general perception of sustained inflation keeping up the interest rates high in the near [...]

[Translate] Fixed deposits have gained popularity as a safe instrument to keep your money and get some return on it. NBFCs and some companies which are not even operating in the finance domain have ventured fixed deposit schemes and are trying to capitalize on the investor's comfort level with fixed deposits. These companies are launching [...]

[Translate] Fixed deposits have been a very reliable avenue to park funds for many investors in India. The bank interest rates on Fixed deposits (FD) provide a very save and yet reassuring option of investing money for longer period to those who are risk averse and would like to play it safe. Fixed deposits not [...]

[Translate] Ms. Vandita has moved to Mumbai from Lucknow on work, and is in need of money to pay the deposit of Rs. 50,000 which her landlord is seeking for giving her the house on rent. She is running short of cash and is wondering how to fill up this monetary gap. She needs the [...]

[Translate] Medium-term investment options       I.        Medium-term FDs: Medium term FDs can be your best bet if you need money in 1-5 years for a specific purpose like buying a car etc. It is better to opt for bank deposits over company deposits, which do offer high returns but are risky. The medium-term FDs provides [...]

[Translate] Sanjay, 30, is working in a software firm as a manager. Sanjay is married with a two-year-old child and has no big liabilities at present.  His job is well paid and he saves enough money for future investment. He has some short term needs like annual vacation, parking money, emergency pool etc. He has [...]

[Translate]   Sachin is in possession of extra cash and he is planning to invest it. He enquired about the fixed deposit rates at various banks. He came to know that different banks offer different interest rates. He just wondered what effect a 1% difference in interest rate can have on his investment. Sachin started [...]

[Translate] Ramesh is in possession of extra cash and he is planning to invest it. He enquired about the fixed deposit rates at various banks. He also came to know that different banks compound the investment in different times i.e. monthly, quarterly, half-yearly and annually. He could not understand the implications of compounding the investment [...]

[Translate]  If we look at the return provided by various cooperative banks, we immediately find that they are higher than returns provided by the various nationalized and private banks. For amount less than 15 lakhs, The returns provided by various cooperatives banks, SBI and ICICI are as follows: Bank Name/ Period 91 days-180 days 181 [...]

[Translate] Fixed-income securities represent the debt of domestic financial institutions, companies, banks, and government issues. In essence, when you buy a fixed-income security, you are lending money to the issuer for a specified period of time. In return, you expect the issuer to make regular interest payments (annually, semi-annually, quarterly, or monthly) and to pay [...]