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The government has not changed the interest rates on small savings schemes for the April-June quarter (Q1FY27). That means you will continue to get the same interest as before. If you are planning to make a fixed deposit these days, then before that you should also know about the National Savings Time Deposit Account of…
Last Updated:January 06, 2026, 1:38 PM IST Maximise your FD returns without risk: ladder FDs, diversify across banks, choose payout wisely, and compare rates to make your savings work smarter. Another key tip is to choose interest payout options wisely. FDs can pay interest monthly, quarterly, or at maturity. You can use some FDs for…
Last Updated:December 23, 2025, 2:52 PM IST Is it wiser to lock Rs 7 lakh into one fixed deposit or spread it across several? The choice can affect liquidity, safety, penalties, and how smartly your money works for you The best FD strategy depends on your financial goals, risk comfort, and personal circumstances. Earning money…
New Delhi: Comparing interest offered by various banks rates is a smart decision before you invest your money in a fixed deposit (FD). While most banks provide similar returns on term deposits, senior citizens typically receive around 50 basis points more than regular customers. That’s why many people even choose to open FDs in their…
New Delhi36 minutes ago copy link The government has not changed the interest rates on small savings schemes for October-December (Q3FY26). That means you will continue to get the same interest as before. In such a situation, if you want to save tax and get more return on your investment than Fixed Deposit i.e. FD,…
Last Updated:October 25, 2025, 07:47 IST Bank customers and investors in India can safeguard a portion of their regular income in accessible and beneficial emergency fund options. Where should you maintain an emergency fund? (Representative Image) An emergency fund is the financial cushion you require during stressful and uncertain times to sustain your existing livelihood…
New Delhi: Chartered Accountant Meenal Goel asserts that investors can earn 12 percent returns by investing in a pre-owned insurance policy. According to Goel, purchasing a pre-owned insurance policy is similar to investing in a fixed-income option that yields higher returns. Goel explained in a LinkedIn post how someone can legally assign their life insurance…
In today’s time, saving your money and helping it grow is one of the best financial decisions you can make, as these will give you long term benefits, it doesn’t matter whether you are a senior citizen or part of the general public. Although, senior citizens mostly trust fixed deposits (FD) as it gives them…
What if the legendary demon king Raavana — described in the epic Ramayana — could actually reveal timeless lessons about money and business? Take a moment to think about it. It is a tale of circumstance, ambition, strategic planning and eventual triumph. Scholars often emphasise that Raavana’s downfall stemmed from the mistakes he kept repeating….
New Delhi: Several small finance banks in India offer higher interest rates on FDs for senior citizen investors. Some small finance banks offer FD interest rates of up to 8.50 percent exclusively for senior citizens. These exclusive rates are available for select tenures and offer a safe investment choice with assured returns. On National Senior…