Fixed Deposit
8 articles tagged Fixed Deposit.
Best Fixed Deposit Rates for 3–5 Years in India 2026: Banks vs NBFCs vs Post Office
With RBI cutting the repo rate from 6.50% to 5.25% in 2026, long-term FD rates may fall further. Locking in a 3–5 year FD now at up to 8.10% from top small finance banks makes financial sense. This guide ranks all options from highest to lowest rate with a focus on safety.
Flexi FD and Auto-Sweep Account in India 2026: Earn FD Returns with Savings Account Liquidity
A Flexi FD or auto-sweep account lets your idle savings earn Fixed Deposit interest rates while remaining accessible like a savings account. If your salary account often holds ₹1–5 lakh sitting idle at 3%, auto-sweep could quietly add thousands of rupees to your returns every year.
FD vs Liquid Mutual Fund for Parking Money in India 2026: Which Gives Better Returns?
You have ₹1–10 lakh to park for 3–12 months and you're torn between a bank FD and a liquid mutual fund. Both offer around 7% returns today, but they differ on liquidity, safety, and tax treatment. This guide settles the debate with real numbers.
FD vs RD in India 2026: Which Is Better for Your Money?
Fixed Deposits and Recurring Deposits are India's two most popular bank savings products. While both earn the same nominal interest rate, the total interest differs because of how money is invested — lump sum vs monthly. This guide breaks down the key differences so you can pick the right one.
Tax Saving Fixed Deposit India 2026: 80C Deduction, Rates, and Is It Worth It?
A tax-saving fixed deposit lets you claim a Section 80C deduction of up to ₹1.5 lakh under the Old Tax Regime, with a 5-year lock-in and no premature withdrawal. In 2026, rates range from 6.3% (SBI) to 6.6% (HDFC). But the interest is taxable, unlike PPF. Is it the right 80C choice for you? This guide covers the rules, current rates, and a side-by-side comparison with ELSS, PPF, and NSC.
Best Senior Citizen Fixed Deposit Rates India 2026: Extra 0.5% Advantage
Senior citizens (aged 60 and above) get an extra 0.25%–0.75% interest rate on fixed deposits compared to general investors, on top of already competitive bank rates. In June 2026, senior citizens can earn up to 8.6% at small finance banks. This guide compares the best rates, explains the enhanced TDS threshold, Form 15H, Section 80TTB deduction, and whether FDs or SCSS are better for senior income.
Cumulative vs Non-Cumulative FD: Which Should You Choose in 2026?
When you open a fixed deposit in India, the bank asks whether you want a cumulative or non-cumulative FD. Cumulative FDs reinvest interest quarterly and pay the full amount at maturity — ideal for wealth building. Non-cumulative FDs pay out interest monthly, quarterly, or half-yearly — better for regular income. This guide explains the difference, the maths, and who should pick each type.
How to Open a Fixed Deposit Online in India in 2026: Step-by-Step Guide
Opening a fixed deposit online takes under 10 minutes if you already have a net banking account. This guide walks you through the exact steps for SBI, HDFC, and ICICI Bank, documents you need, minimum deposit amounts, and how to set nomination and TDS declaration upfront.