News for 'FDS'

Investing: Is THIS debt scheme better than FDs?

How investing in non-convertible debentures gives better returns than investing in fixed deposits in these volatile times.

'You may get IT department notice if...'

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

Mumbai beggar dies rich, leaves behind Rs 11.5 lakh

A sackful of coins totalling Rs 1.75 lakh, certificates of fixed deposits of Rs 8.77 lakh and Rs 96,000 in bank savings accounts found at his home.

Donations to temples, FDs in co-op banks under govt scanner

Some people have tried to secure their unaccounted cash by donating it to temples by taking its management into confidence and making receipt of such donations as anonymous donors

Heading for FDs? Wait a while!

Exiting income funds at this stage and booking losses might prove to be the perfect recipe for disaster.

These investments will give better returns than FDs

Now that interest rates are headed downwards fixed deposits will no more be attractive to investors. Stock markets too have run up too fast since January 2012. Here are some alternatives to earn higher and relatively risk-free returns.

Interest rates on FDs offered by post offices hiked

A day ahead of Lok Sabha polls announcement, the government today decided to hike interest rates on fixed deposit schemes offered by post offices by up to 0.2 per cent.

ASK TAX GURU: 'Is PPF the best low-risk investment option?'

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

'Why do investors no longer panic during market downturns?'

'It's important that every portfolio is well diversified.' 'My own portfolio is diversified across asset classes: 50% is in equity funds, 15% in international schemes, 25% in debt funds and 10% in sovereign gold bonds.'

'Bank FDs can get you reasonable returns'

Is it a good idea to invest in debt-oriented mutual funds as the interest rates are rising? Or is it a good idea to invest in fixed maturity plans? Financial expert Vetapalem Sridhar answered these and other queries relating to financial planning for the young.

Ask Tax Guru: Your IT Queries Answered

Amit Gupta, MD, Sag Infotech, answers your personal income tax queries.

Get tax benefit, try 5-year FDs

For being eligible for tax benefit, the minimum period of fixed deposit has to be of 5 years. Since the period you have mentioned is 4 years, you won't be eligible for the tax benefit u/s 80C.

Invest in FDs for risk-free returns

Fixed deposit rates have become attractive again and investing in them can give risk-free returns.

Debt MFs vs FDs: Which gives better returns?

The question of debt mutual funds verses fixed deposits has been going on for a long time. Which one serves better for the conservative investor? InvestmentYogi takes a close look and breaks it down, giving you the details you need to make an informed choice.

FDs: Now, depositors can opt for floating rate

The floating rate term deposit product will offer no guarantee on returns, as the interest will change with the revision of base rates.

All bank FDs may come under tax net

Individuals could soon lose tax benefits available on fixed deposits with an over five-year term once the direct taxes code comes into force from April 2011.

ASK ANIL: 'Can I claim LTCG under new tax regime?'

Anil Rego, CEO, Right Horizons, answers your personal income tax queries.

Need Cash? Opt For Loan Against Securities

If you pledge market-linked instruments and their value plummets, you will have to provide additional collateral, points out Sanjay Kumar Singh.

It makes sense to invest in small savings schemes

SBI has twice hiked interest rates on fixed deposits within a month, but an investor still gets better returns at the post office.

Investors, avoid long-term funds

If you plan to invest in an FD, go for the 12-15-month tenure. This will allow you to redeploy maturity proceeds at higher rates (if rates rise), advises Sarbajeet K Sen.

Sebi may cap MF investments in FDs

Forget FDs, floating rate MFs are here

With interest rates showing signs of going up, long-term floating rate debt mutual funds are catching the fancy of risk-averse investors as it promises better return than even bank fixed deposits, analysts said in New Delhi.

Your money: Why bonds are better than FDs

With fixed deposit rates coming down, bonds are once again proving to be an attractive investment.

Look at two-year FDs for now: Experts

For instance, in early December, SBI was offering 10.5 per cent on a 1,000-day FD. This was lowered to 10 per cent in mid-December. A fortnight later, in January, the bank is offering only 9 per cent for the same tenure. For investors, who missed the bus in October and November, this is certainly bad news. However, all isn't lost. There are some segments still where the rates on offer still look interesting.

Missed ITR Deadline? Here's HELP!

Mihir Tanna, Associate Director, S K Patodia & Associates, will answer your personal income tax queries.

FDs: ICICI Bank to offer sops to NRIs

The Non-Resident Indians (NRIs) living in the US, UK, Canada and Singapore can now avail the benefit of a lesser tax deduction on their Non-Resident fixed deposit with ICICI Bank, a top bank official said in Mumbai. The NRO FD Plus offers the benefit of concessional rate of tax deducted at source (TDS) under the Double Taxation Avoidance Agreement (DTAA) of India with these countries, ICICI Bank General Manager and Head NRI Services Manish Mishra said.

FDs to reclaim lost glory with double-digit return

While the Reserve Bank of India's upward push to interest rates is making loans costlier for retail as well as corporate borrowers, it has also made bank deposits much more attractive, with an increase in deposit rates.

ASK MIHIR: 'Can NPS get extra tax benefit for me?'

Mihir Tanna, Associate Director, S K Patodia & Associates, answers your income tax queries.

Sebi cracks whip on FMPs exposure to FDs

As much as Rs 3,204 crore (Rs 32.04 billion) of bank deposits by mutual funds will move out of the banking system from mid-July following a new rule

Why FMPs are more lucrative than bank FDs

If you are looking for a fixed income avenue that yields a reasonable return with minimum risk, adequate liquidity and tax efficiency, FMPs will provide you with an effective shelter.

Short-term FDs or long-term lock-in?

Whether you invest in short-term securities or long-term securities, the interest rate that you will get on either is similar. Which should you choose? Should you invest in short term debt or invest money for a long period?

Now Is The Time To Invest In ELSS

Avoid investing in a new ELSS scheme each year. Stick to one well-chosen scheme to avoid clutter in your portfolio.

Why Fixed Maturity Plans are better than FDs

Fixed Maturity Plans earn better returns than similar-tenure fixed deposits

Banks can't insist on FDs for lockers

The Reserve Bank of India has asked banks to refrain forthwith from the restrictive practice of linking locker facility provision to placement of fixed or other deposits.

Dos and don'ts of investing in company FDs

Though company fixed deposits earn you a higher rate of interest here are some pitfalls you should know before betting your money in them.

What you MUST know about fixed deposits

Do you know what is the effective rate on a fixed deposit investment that you make? Do you know of any better alternative to FDs. Here's all you would want to know about FDs.

Want good returns on your FDs? Lock it NOW

Bank FD rates are expected to go down in the near future. Lock in now if you want stability as well as returns

Company FDs bloom as equity, debt markets dry up

With the stock markets yet to recover and banks lowering fixed deposit rates, companies accessing public deposits are seeing investors parking funds.

ED freezes Rs 34 cr in FDs of Jagan media firm

The Enforcement Directorate on Friday froze fixed deposits worth more than Rs 34 crore of a media firm owned by jailed YSR Congress leader Jaganmohan Reddy in connection with the money laundering probe against him and others.

Will TDS affect your FD returns?

Remember it is very important for an investor to consider even the taxation aspect of their investment as taxes can significantly lower your returns generated by the investment. In case of FDs, banks deduct TDS before letting you withdraw the final amount at maturity.