The next revision will make the rates similar to those of bank FDs.
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
Unlike bank FDs that are considered risk-free investments, NCDs do carry a certain amount of risk, primary among them is the risk of default, either servicing the interest payment or meeting their principal repayment obligations.
Yes Bank users can now make over Rs 2 lakh payments towards loans, credit cards via other bank accounts.
Individuals are lining up to park their money in fixed deposits (FDs), what with the instrument earning 15-20 per cent more than what they were in April.
Fixed deposits have conventionally been popular investment avenues among risk-averse investors
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
Most bankers say they will look at reducing deposit rates from April.
Omkeshwar Singh, head, Rank MF, a mutual fund investment platform, answers your queries.
Want your investments to make money as well as save tax for you? Anil Rego has some advice
Company fixed deposits offer many advantages over the traditional FDs
For non-callable deposits above Rs 1 crore, the interest rate is only five basis points more than the regular FD.
Use this window to lock into bank FDs; unless govt cuts small savings rates, banks may not cut deposit rates
Rakesh Makkar, President & CDO, DHFL will answer all your FD queries from 2 pm to 3 pm on October 17
Yes Bank customers will be able to access full banking services from Wednesday evening, as the moratorium will be lifted earlier. The RBI had on March 5 put a moratorium on Yes Bank restricting withdrawals to Rs 50,000 per depositor till April 3. However, the government in a notification on Saturday said the moratorium will be lifted by 18:00 hrs on March 18.
Medium- and long-term debt funds are likely to perform better with each rate cut; returns from FDs will improve but may remain negative
Dr Seema Rao has trained over 20,000 Indian soldiers. And has never been paid for it. Here's her super-inspirational story.
Wondering if you did the right thing with your mutual fund investments?
Bank fixed deposits offer assured returns but are entirely taxable. Ultra short-term debt funds can't specify returns but are tax efficient.
There are in fact four easy ways to earn interest on fixed deposits and keep it too.
Anil Rego, CEO, Right Horizons, answers your personal income tax queries
Anil Rego, CEO, Right Horizons, answers your personal income tax queries
Make the most of the income that you earn by invest the money in the right instruments. The advantages of starting early and investing right cannot be overstated, says financial planner Harshad Chetanwala.
Total scam in collusion with middlemen is estimated at over Rs 700 crore. Probe is on in 10 more cases.
With global financial crisis forcing the banks to tighten interest rates, fixed deposits have somewhat reclaimed its past glory. Once again, people have started opting for bank term deposits as one of the safest investment scheme.
By November-December 2014, investors should also look at debt funds.
Borrowers who were hoping for lower interest rates on their home or car loans might be in for some disappointment.
Sadly, so will lending rates. Do not hurry to put all your money in existing offers.
Getting locked into instruments before the new regime kicks in would be a good strategy.
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Indian households put bulk of savings in bank deposits and insurance; the returns are minimal. If you're part of this, change.
Bonds are an excellent diversification tool for those looking for stability and tax-saving. But they also carry certain risks. It is advisable to find out the reputation of the borrower as well as your risk appetite before investing.
Companies are reactivating their dormant fixed deposit schemes by realigning their interest rates with the market following the footsteps of the lenders. The Reserve Bank of India has raised its benchmark interest rate to 8.5 per cent - the highest in more than six years - to stem inflation, forcing the banks to raise their prime lending rate to as high as 15.5 per cent.
Interest rates on bank FDs have started coming down and rates on other fixed-income products will also decline. Investors should lock in to instruments offering higher returns.
ICICI Bank, the biggest credit card issuer, has made it conditional for some of the credit card applicants, who do not meet the bank's eligibility criteria, to open FDs under a scheme called Fixed Deposit Instant Credit Card.
Here's what you always wanted to know about investing your money in bank fixed deposits.
Anil Rego, CEO, Right Horizons, answers your personal income tax queries.
With real estate -- NRIs's favourite investment vehicle in the past -- unlikely to do well in the near future, there is a strong case for NRIs to shift to equity and debt mutual funds, says Prateek Mehta.
Omkeshwar Singh, Head, Rank MF, a mutual fund investment platform, answers your queries.
First, it is important to gauge the financial strength of the bank. Second, the period of the deposit is vital. Often, a higher rate of return is available for specific time maturities like 10 per cent for 360 days and so on. Third, the amount is important. In most cases, if the deposit is above Rs 15,00,000, the bank offers a higher than normal rate of interest. Fourth, since there can be a big difference in the various rates of interest being offered, read the fine print.
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