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FD rates are falling. Is chasing near 8% worth the extra risk?

FD rates are falling, but some banks offer 8%: What are you risking for the extra return?

FD rates have fallen as the interest-rate cycle has turned, but some small finance banks and other lenders are still…

September 11, 2026 06:02 IST

For fixed deposit (FD) investors, the country's largest private sector lender HDFC Bank has made an important announcement by revising its interest rates on term deposits of less than Rs 3 crore.

FD rates revised at 3 major banks: Senior citizens can earn up to 7.25%; check the latest rates

Three major private banks have changed their FD interest rates. Here’s what regular customers and senior citizens can earn across…

August 27, 2026 14:56 IST

Instead, they set clearer rules around how rates are disclosed and applied to comparable deposits, while giving banks greater flexibility in pricing bulk deposits.

RBI’s new bulk fixed deposit rules: What changes for depositors from October 2026?

For most depositors, the key benefit will be greater clarity and consistency around FD interest rates. Banks will have to…

August 21, 2026 15:34 IST

Top Bankers to Meet in New Delhi to Address Deposit Mobilisation and Liquidity Pressures

DFS-PSBs meet: Deposit growth, priority lending in focus

Public sector bank chiefs and leaders of financial institutions like SIDBI and NABARD gather in New Delhi for a two-day…

Updated: August 17, 2026 05:54 IST

While all bank deposits are insured by DICGC up to Rs 5 lakh per depositor per bank, retirees with larger FD portfolios may prefer to spread their deposits across multiple banks rather than concentrate their savings in one institution.

Senior citizen FDs: Which banks offer up to 8.30% interest in August 2026?

Several banks continue to offer attractive returns on senior citizen fixed deposits amid the unchanged repo rate environment, with some…

August 5, 2026 17:44 IST

Each cut fed through to bank FD rates. However, in 2026, the monetary policy stance has shifted. The RBI's June 2026 MPC meeting kept the repo rate unchanged at 5.25% Hence, investors should assess the current economic situation when considering auto-renewals. Even when rates seem unchanged week to week, the broader trend should be looked at.

Your FD is due for maturity, but is auto-renewal really the best option?

Depositors who hold multiple FDs often miss this threshold crossing because auto-renewal keeps deposits scattered across accounts without a consolidated…

June 10, 2026 18:30 IST

Is your money really growing? The reality of FD earnings in a 5% inflation environment

How a 5% inflation rate is turning fixed deposits into a losing bet for wealth creation

Fixed deposits remain a popular choice for safety and guaranteed returns, but inflation and taxes can significantly reduce their real…

Updated: June 9, 2026 19:42 IST

Single vs. Multiple Fixed Deposits: The strategy that saves you from premature withdrawal penalties. (AI-generated image from Gemini)

The “lazy” wealth move: Why a single large fixed deposit is secretly costing you money

A single fixed deposit maybe simpler to manage, but could it quietly cost investors flexibility, liquidity, and even returns during…

May 23, 2026 05:30 IST

Senior citizen FD rates revised: Up to 7.75 pc interest — Check best rates offered by banks

Senior citizen FD rates revised: Up to 7.75 pc interest — Which banks offer best rates in February

FD interest rates may have cooled after the RBI’s 125 bps repo rate cut last year, but senior citizens can…

February 19, 2026 16:21 IST

The great shift of Indian households from fixed deposits to equity and SIPs. (AI generated image from Gemini)

The end of the FD era? Why Indian families are swapping 7% FDs for market risk

India is quietly moving from traditional savings to investment-driven wealth. Households are exploring stocks, mutual funds, and digital assets, taking…

February 7, 2026 05:30 IST