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What are the risks of investing in bank fixed deposits?

A bank fixed deposit faces five types of risks. Here is the list of those risks.

What RBI's rate cut means for loan EMIs, fixed deposit investors

The latest rate cut is likely to cause more heart ache for FD investors, especially senior citizens who are dependent on interest income. Post the last RBI's rate cut, the country's largest bank announced the reduction in FD interest rate by up to 50 bps.

How are mutual funds better than fixed deposits?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Paytm Payments Bank crosses Rs 600 crore in fixed deposits

"During this period of volatility in other asset classes, a large number of PPB bank account holders are moving their savings into fixed deposits during the ongoing lockdown," stated Paytm Payments Bank.

YES Bank's FD is providing free health insurance for coronavirus: Should you invest?

If we compare YES Bank's FD interest rates with those offered by other large private-sector banks such as ICICI Bank and HDFC Bank, YES Bank is offering a higher interest rate of up to 7.25 per cent on one-year FDs.

Issue of RBI 7.75% bonds closes on May 28, 2020

The RBI bonds were attractive as they were offering a higher interest rate as compared to bank fixed deposits and other financial instruments offering an equal degree of safety.

New TDS, TCS rates from May 14 on fixed deposits, dividends and other non-salaried payments

The new TDS rates have come into effect from May 14, 2020, and will remain effective till March 31, 2021, i.e., till the end of the financial year 2020-21, the Finance Minister Nirmala Sitharaman said in her press briefing.

ICICI Bank launches an FD scheme for senior citizens: Here's all you need to know

The scheme offers 80 basis points (bps) more than what is applicable to general public (non-senior citizens) for the same deposit amount and tenor.

Cash-strapped Coal India eyes first-ever bond issue

He said many CIL subsidiaries were going to run out of cash.

Top corp FDs offering upto 7.8% draw investors

Investors are attracted to company deposits as they pay higher than a bank deposit.

What RBI's announcement today means for your loans and fixed deposit interest rates

The RBI announced a host of measures today aimed at increasing liquidity in the economy.

Equitas Small Finance Bank allows customers to open fixed deposits and savings accounts online

Customers can open a 'Selfe Fixed Deposit' online for up to Rs 90,000 by using their Aadhaar Number and PAN. While the SELFE Savings Account is a digital bank account which can be opened with a web based interactive video form.

COVID-19 impact: What RBI's emergency rate cut means for your loans, fixed deposit investors

The RBI, today, cut the repo rate and reserve repo rate by 75 basis points and 90 bps, respectively (100 basis points/bps = 1 per cent). The repo rate now stands at 4.4 per cent and reserve repo rate at 4 per cent.

Mega PSU bank mergers come into effect from April 1. 5 things a bank customer should know

You would have given your bank account numbers and IFSC codes for various financial transactions. Unless these accounts are seamlessly merged into the financial system of the anchor bank, you would be required to change the details of your bank account.

Despite cut in rates, corporate fixed deposits attractive

Similarly, Bajaj Finance has lowered deposit rates by 15-40 basis points and the maximum it pays is 8.35%. PNB Housing Finance and Shriram Transport Finance are likely to reduce rates by 20-25 basis points, beginning early January.

Can I invest in Post Office schemes and FDs for my retirement?

If you have any mutual fund related queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Tax optimiser: Salaried Khanna can cut tax by Rs 4.7 lakh by rejigging salary structure

ET Wealth tells readers how they can optimise their tax by rejigging their income and investments.

'They had Rs 50 lakh in FD, but didn’t want to invest more Rs 10,000 per month in mutual funds’

The Shindes already had a house and car. Their combined income was roughly Rs 3.5 lakh, and they had invested in multiple life insurance products, fixed deposits, PPF, real estate, and some mutual funds. A large chunk of money was lying in their savings account

5 tax-saving options for risk-averse investors

Risk averse investors look for stability in their returns and market volatility makes them nervous. So if you are someone who does not want to take much risk with your investments and want assured returns, ET Online’s Shambhavi Mehrotra lists out 5 fixed-income, tax-saving avenues you can choose from.5 tax-saving options for risk-averse investors

3 easy steps to choose your tax-saving investments this year

You have exactly four weeks to finalize your tax-saving investments. In case you forgot, this is the first week of March, and you have to make your investments before 31 March to claim tax deductions on them in this financial year.

JM Financial Services launches Paperless Fixed Deposits Online

Distributors empanelled with the company will be able to offer the services to existing and new clients.

Interest rates on corp deposits start falling, already down by 0.5%

Leading private sector lender HDFC Bank pays a maximum of 6.4 per cent on its deposits.

SBI cuts MCLR by 5 bps across all tenors, reduces fixed deposit rates

After the cut, the one-year MCLR comes down to 7.85 percent per annum from 7.90 percent per annum. According to SBI’s press release, this is the bank’s ninth consecutive MCLR cut during the current financial year 2019-20.

Should I continue with my PPF investment or invest maturity amount in mutual funds?

Whether you should continue with your PPF investment post maturity or invest the maturity proceeds in mutual funds depends on whether you need that money or not.

Tax optimiser: Engineer Sharma can cut tax by Rs 50,000 via NPS, perks

ET Wealth tells readers how they can optimise their tax by rejigging their income and investments.

ELSS Vs PPF Vs FD - What works for you?

ELSS tax saving mutual funds have been getting traction in the past few years as individuals are becoming more aware.

Check fixed deposit interest rates of SBI, PNB, HDFC Bank and ICICI Bank

​​Not only conservative investors prefer bank FDs but also, senior citizens consider investing a large amount of their money in bank FDs as they consider it as one of the safe options over equities. Find out FD rates offered by several banks

Retail depositors face further FD rate cuts

Through this new additional window of Rs 1 lakh crore, RBI will be providing finance for 1 year and 3 years at repo rates. But this is bad news for retail depositors because banks may cut the FD rates further in the 1-3 years time frame.

Claims worth Rs 4,800 cr admitted from fixed deposit holders of debt-laden DHFL

Nearly 55,000 public depositor holders, including retail and UP Power Corporation Employees, have demanded payments aggregating to Rs 5,200 crore from the troubled mortgage players as of December 17. "The claims from fixed depositors that have been admitted, so far, are Rs 4,800 crore," a source said.

How to earn regular income by investing in mutual funds

With interest rates unlikely to head upward anytime soon, retirees need to get out of the fixed deposit mindset. Yes, FDs earn interest income, but withdrawal from mutual fund investments offers many hidden benefits.

Listed bonds offer better yields compared to bank FDs. Here's how to pick the right one

Though fixed deposit rates are low, yields on listed bonds from quality companies are at a higher level.

SBI cuts long-term FD interest rates by 15 bps

The bank has cut rates on long-term fixed deposits maturing in 1 year to 10 years. According to the bank's website, FDs with tenures of more than one year will now fetch 6.1 per cent, down from 6.25 per cent earlier.

State Bank of India cuts interest rates on savings accounts, fixed deposits

This is a U-turn from the bank’s stance in August, where it had stated that it will keep interest rates on savings account unchanged.

Equitas Small Finance Bank waives off non-maintenance charges on savings accounts

To increase its savings deposits the bank is offering interest rate of 7.5% per annum on savings account and upto 8.25% p.a. on fixed deposit. It also offers 60 basis points more for senior citizens.

RBI keeps repo rate unchanged: What does this mean for your loans and fixed deposits?

The Reserve Bank of India, in its monetary policy review today, kept the repo rate unchanged at 5.15%

Have savings in fixed deposit, current account, RD in a bank? Only Rs 1 lakh is insured: DICGC

If you have Rs 50 lakh in bank and the bank fails, then you will get only up to Rs 1 lakh as insurance cover according to the Deposit Insurance and Credit Guarantee Corporation (DICGC), a wholly owned subsidiary of the Reserve Bank of India. Not every single rupee you own as deposits will be returned.

Income tax changes of 2019: The impact they made on your personal finances

The changes help salaried people save more tax, while the uber rich took a big hit on the taxation front.

SBI cuts MCLR and fixed deposit rates across all tenors

Due to this rate cut, the one-year MCLR would come down to 8.15 percent a year from 8.25 percent. This is SBI's fifth consecutive cut in MCLR in FY 2019-20.

Banks can’t claim tax relief on FD insurance

Reversal of credit would lead to an increase in cost by anywhere between Rs 200 to Rs 500 crore for banks.

Tax optimiser: NPS, perks can help Yadalam reduce tax outgo by Rs 87,000

Yadalam should opt for the NPS benefit offered by his company. Under Sec 80CCD(2), up to 10% of the basic salary put in the scheme is tax free.

Perpetual bonds are offering higher interest rates than fixed deposits: Should you invest?

The yield being offered by these bonds are significantly higher than fixed deposit rates and therefore, it is natural for investors to be interested. So should you buy these bonds? Here is a closer look at the risks involved with perpetual bonds.

How can I improve my credit score?

It is important to have a good credit score to avail the loans easily from banks. These days banks rely on credit score as one of the criteria to ascertain the interest rate that they will be charging from you, especially in case of home loans.

Top 10 banks' home loan interest rates

These 10 banks are offering the lowest home loan interest rates for salaried individuals.

SBI reduces interest rate on fixed deposits across all maturities

For time deposits with longer tenors, there is a reduction upto 20 bps in the Retail segment and 35 bps in the Bulk segment.

Gold vs fixed deposits: Where should you invest?

The good returns and familiarity of gold make us think that it is what we should invest in. But should you focus so much on gold?

How should a senior citizen invest amount received on FD maturity to get monthly income?

You can equally divide the amount in corporate bond and floating rate funds. For monthly income, consider debt funds that are yielding 6-7% annually. You can opt for a monthly SWP option, which can be up to .50 percent of your corpus.

How can I avail tax break on interest income earned on RD, monthly income schemes and NSC?

Under Section 80TTA, you can claim a deduction of up to Rs 10,000 on savings bank/post office deposits. Interest earned on post office RD and NSC is eligible for exemption under Section 80C within the overall limit of Rs 1.5 lakh in the years.

Individual loan demand strong despite fears of a slowdown: Keki Mistry, HDFC

We have guided the market that we are cautious about growing non-individual loans.

Women are 'recklessly cautious' with savings, prefer to park money in FD, PPF: Survey

The survey said nearly 44 per cent of the women said easy access to their money is important to them when they save or invest their hard earned money.

Do senior citizens with income less than Rs 5 lakh need to pay tax on FD interest income?

You are eligible for a basic exemption of Rs 3 lakh plus a tax rebate under Section 87A on taxable income up to Rs 5 lakh for the financial year 2019-20.

MF portfolio doctor: Why Singhvi should avoid investing in fixed deposits

The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals and recommends corrective measures.

Falling FD rates set to hit 4 crore senior citizens hard

SBI cut both savings and deposit rates. There are about 4.1 crore senior citizen FD accounts with about 14 lakh crore in aggregate in them, according to an SBI report.

Don't compare balanced advantage funds with FDs, debt mutual funds

If some mutual fund advisors and bank sales force are to be believed, balanced advantage funds are the safest investment option in the mutual fund universe

How to invest in fixed deposits

For most investors, safety of the principal invested remains the most important feature pushing other factors such post-tax return to the back ground.

Money flows to PO deposits again as bank FD rates fall to below 7%

Fixed deposit rates of top banks have fallen by an average 0.5-1 per cent to 6.5-7.1 per cent.

SBI cuts deposit, lending rates

Last week, RBI made it mandatory for banks to link retail and MSME loans to external interest rate benchmarks

Can you claim refund on tax deducted on FD in the name of your children?

As per the Income-tax Act, the income of minor child shall be included in the income of the parent whose total income after including minor’s income is greater.

How to close a fixed deposit

One may prematurely close the fixed deposit for personal use of the funds or may reinvest in a new FD at a higher interest rate.

ITI Mutual Fund launches arbitrage fund

ITI Arbitrage Fund will invest in arbitrage opportunities available in the equity markets and the balance in debt securities with a maturity of less than 91 days.

ITR Filing: How to verify the validity of Form 16

Every taxpayer should verify and validate the TDS certificate before claiming any tax deduction.

Seven things to know before investing in an FD

FDs allow you to manage your financial risks and help fulfil your goals aspired for different stages of your life. These could involve securing your child’s future, his or her education and marriage, or as a hedge against unexpected expenses.

Stock pick of the week: Why analysts believe worst is over for Axis Bank

Healthy operational performance like good domestic credit growth, increase in retail loan growth and strong performance on the income side have made it top pick.

Comparing debt funds to FDs is too simplistic: Mahendra Jajoo, Mirae Asset Global Investments

Debt funds have seen several rounds of severe volatility over time and successfully met the challenge. However, each such episode does leave its own destructive trail.

How can a retiree secure a regular income?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Tax optimiser: NPS and perks can help Sinha reduce his tax outgo by Rs 40,000

ET Wealth tells readers how they can optimise their tax by rejigging their income and investments.

Time to trim high equity exposure? Yes, say experts

Investment advisors said SIP returns of various mid- and small-cap schemes are in the red.

Top 5 senior citizens bank fixed deposits

Senior citizens prefer to invest a large chunk of their money in FDs because the principal amount is considered safer as compared to investments in equity.

Banks offer higher interest rates on fixed deposits

A day after SBI's decision to raise fixed deposit rates by 5-10 bps, Allahabad Bank announced 10-100 basis upward revision on Thursday.

Franklin MF liquidates lien marked fixed deposit by ADAG

By doing this, the asset manager has brought down its exposure to the ADAG group.

Franklin MF liquidates lien marked fixed deposit by ADAG

By doing this, the asset manager has brought down its exposure to the ADAG group.

Tax optimiser: Why salaried Kumar needs more perks in his salary to cut tax

ET Wealth tells readers how they can optimise their tax by rejigging their income and investments.

Best mutual funds to invest for 10 to 15 years

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

​Investors may move from liquid mutual funds to overnight funds or bank FDs to escape exit load

Sebi's move to do away with amortization will make ​liquid funds more volatile and bring down the lumpy inflows and outflows.

Are you looking for profits or to create wealth from mutual funds?

Many investors think that it is best to sell their investments when the market is high, and reinvest the money when market is at its lowest point.

Investment queries: What factors should I consider while investing in corporate fixed deposits?

The longer the tenure, the higher the risk of the deposit being impacted by an adverse change in the company’s fortunes.

Will these mutual funds help me to create 50 lakh in 15 years?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

All you need to know about liquid mutual funds

The NBFC crisis has brought liquid funds back in favour as they carry lower risk than corporate FDs.

All you need to know about liquid mutual funds

The NBFC crisis has brought liquid funds back in favour as they carry lower risk than corporate FDs.

When you should and should not invest in tax-free bonds

Though tax-free bonds offer tax-exempt interest, you should consider these points before investing in them.

Company fixed deposits: Interest rates and other factors to consider before investing

It is mandatory for all companies including NBFCs and those in the manufacturing sector to get rated before they can raise deposits from the public.

How to fill income from other sources in ITR-1 for FY 2018-19

This year filling details under the head 'Income from other sources' in ITR-1 form will be different from last year as you are required to give detailed break-up.

How to avoid premature closure of a bank fixed deposit

A better way to manage interest rate risk and provide some liquidity to funds as well is to 'ladder' one's deposits across different tenure.

I don't plan on working again. How long can I keep money in my EPF account?

Usually, an EPF account remains operative till the beneficiary turns 58. However, there are certain tax implications that one must be aware of.

What has changed with the erstwhile balanced funds

Balanced funds are now correctly renamed by SEBI as Aggressive Hybrid Funds.

Where to invest money for the short term

If you are looking to reduce risk and avoid volatility, but want to park money in options other than the savings bank, pick from the following options.

Bajaj Finance increases its fixed deposit interest rates

These new rates are offered on an annual basis, applicable under the cumulative and non-cumulative payout schemes on 36-60 month tenors.

You can submit Form 15G/Form 15H even if your total income exceeds tax-exempt level

Form 15G/Form 15H is to be submitted to the financial institution usually banks to avoid the deduction of tax.

What do politicians invest in? Here's a look at the portfolios of 8

Do they invest in real estate, stocks or FDs? How much is their net worth? Here’s a look at the investing skills of eight candidates contesting the 2019 Lok Sabha elections.

Is it time to shift your debt mutual fund investments to safer bank deposits?

FMPs are typically launched at financial year-end and redeemed at the beginning of the financial year, 3 years later, to avail of enhanced indexation tax benefit.

Is it time to shift your debt mutual fund investments to safer bank deposits?

FMPs are typically launched at financial year-end and redeemed at the beginning of the financial year, 3 years later, to avail of enhanced indexation tax benefit.

Why you should link investments to financial goals

Your investment portfolio must have exposure to growth-oriented and income-generating assets depending upon your current needs at any given point in time.

Family finance: How salaried Singhs can achieve their money goals easily

The couple's goals include building an emergency corpus, saving for their kids’ education and weddings, buying another house, and creating a retirement kitty.

Bank fixed deposits or NCDs? Here are 8 things to consider before investing in them

In a rising interest rate environment, fixed income investors are spoilt for choice.

Should I add more schemes to my mutual fund portfolio?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

Should I add more schemes to my mutual fund portfolio?

If you have any mutual fund queries, message on ET Mutual Funds on Facebook. We will get it answered by our panel of experts.

6 fixed income investments to help you save tax under section 80C

Long-term debt investments should form a part of every investor's portfolio to maintain stability. However, investors should know that most long-term tax-saving debt investments have long lock-ins and, therefore, come with liquidity issues.

Your mindset defines your investing choices: Here's how

How you invest and how you react when the investments do not perform according to expectations have much to do with your mindset.

Your mindset defines your investing choices: Here's how

How you invest and how you react when the investments do not perform according to expectations have much to do with your mindset.

Managing Risks: The bank-able isn’t always invest-able

The appropriateness of MFs investing in illiquid corporate bonds has been pulled into sharp glare, yet again.

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