Fixed deposit articles

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 future. [...]

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 FD [...]

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 only [...]

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 money [...]

 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 days to 1 Year
1 [...]

FDs are financial instruments where an investor deposits a lump sum of money for a fixed period ranging from a few weeks to a few years and earns a pre-determined rate of interest. FDs are normally offered by banks. FDs from reputed banks are a very safe investment because such banks are carefully regulated by [...]

Bank FDs (fixed deposits) have always been the most favoured debt investment instrument, for several years, on account of the safety it provides. Off late too, FDs have been in flavour but this time we are taking about corporate fixed deposits i.e. those issued by companies to raise money. Investors are attracted to these corporate [...]

Lately, investment products such as fixed deposits, mutual funds, ULIPs, stocks, structured investment products, equity-linked note (ELN), etc., have seen a lot of innovation, but think of investor comfort, and nothing can beat fixed deposits. Since nationalisation of banks in 1969, people have developed a sense of safety and security towards fixed deposits.
Moreover, for the [...]

It's said that 'Investing money is not an easy task', one wrong step and your entire investment vanishes into thin air in no time. So what does a wise investor do? He also parks some part of his money in debt or fixed income products. The hallmark of fixed income investments is that they are [...]