Weekends are supposed to be slow and relaxing when we get time to spend more time with our family and friends. However, amidst everything, situations can arise where we may require banking services even on a weekend. Therefore, getting an idea about Saturday bank holidays can be a great way to plan our banking activities …
When it comes to safe and reliable investment options, fixed deposits are a preferred choice for senior citizens. Utkarsh Bank FD rates for senior citizens offer attractive interest rates and additional benefits that make them smart financial decisions. Let us dive deeper into this blog to understand why Utkarsh Bank FD rates for senior citizens …
Is Utkarsh Bank FD Rates for Senior Citizens a Good Choice? Read More »
Canara Bank fixed deposits are easy to open and maintain through the bank’s official website. Moreover, you can apply for their FD scheme with a minimum amount of ₹1,000 and tenures typically range up to 10 years. Earlier, the Canara Bank FD interest rates 2023 used to range between 3.25% to 7.65% across all the …
How Much Has the Canara Bank FD Interest Rate Changed from 2023 Read More »
Bank of Baroda (BoB), established in 1908, is a state-owned bank that has undergone a series of mergers and acquisitions in the past. Standing today, many people rely on their fixed deposits as they boast an impressive credit rating of AAA. In this guide, we have attempted to walk you through Bank of Baroda FD …
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Punjab National Bank (PNB) is widely popular among Indians for its attractive fixed deposit options. Now, it is very easy to open an FD scheme in PNB online and avoid hassle-free physical banking. In this guide, we will walk you through the interest rates applicable to the different schemes for various tenures and discuss each …
As India’s largest public sector lender, the State Bank of India offers a diverse range of FD interest rates for various tenures. The bank had previously adjusted its rate of returns on domestic retail fixed deposits over the past 3 years. This proactive approach along with an enhanced interest rate chart for FD customers via …
How Much Has the SBI FD Interest Rate Changed from 2022 to 2025? Read More »
Opening an HDFC fixed deposit online is a simple and convenient way to secure your savings while earning steady interest. With just a few clicks, you can start an FD from the comfort of your home, without visiting a branch. Whether you are looking for short-term or long-term investment options, HDFC Bank offers flexible tenures …
Retirement brings the freedom to relax and enjoy life, but financial stability remains a key priority. While pensions often serve as a primary income source, they may not always suffice to meet all expenses. For senior citizens seeking secure and steady growth of their savings, IndusInd Bank FD rates for senior citizens offer an attractive …
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Opening a Fixed Deposit (FD) account with Utkarsh Small Finance Bank has never been easier, thanks to the convenience of Utkarsh net banking. With flexible tenures, competitive interest rates and a secure digital interface, Utkarsh Small Finance Bank offers an efficient way to grow your savings while ensuring complete peace of mind. Whether you are …
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The State Bank of India (SBI) has introduced its Har Ghar Lakhpati (HGL) scheme to help its customers accumulate a sum of ₹1 lakh or more. This plan’s primary goal is to accomplish ‘Lakhpati’ status for the account holders by the end of their scheme maturity. Any resident Indian may apply for an SBI Har …
SBI Har Ghar Lakhpati Scheme: Know How Much to Invest in a Month for ₹1 Lakh Savings Read More »
he State Bank of India (SBI) has introduced two exciting schemes tailored to help individuals save and grow their money: Har Ghar Lakhpati and SBI Patrons Fixed Deposit (FD). Here’s a simple breakdown of what they offer. Har Ghar Lakhpati Scheme This is a Recurring Deposit (RD) plan designed to help you save ₹1 lakh …
SBI Launches Two New Schemes: Har Ghar Lakhpati & SBI Patrons FD Read More »
Did you know that if you invest ₹1 lakh annually in a non-cumulative fixed deposit account for 5 consecutive years at 9.25% p.a., your investment will mature to ₹1,46,250? Given the above scenario, the maturity sum for the same ₹1 lakh investment will be ₹1,44,500, ₹1,44,750 or ₹1,45,250, if your FD provider calculates interest monthly, …
What Is a Non-Cumulative Fixed Deposit: Features, Benefits & Returns Read More »
Gold bonds are one of the safest investment options for Indian investors. As a government-issued investment instrument, it ensures security while paying out periodic interest to the investors. Investing in gold bonds can help you avail tax benefits to reduce your taxable income. Learn how a gold bond works before you purchase it to reap …
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In India, investors can choose various gold investment plans based on their financial needs and risk appetite. While traditional investors might choose to invest in physical gold, others might choose digital gold, gold funds, ETFs and other forms of gold. Learn about the significance and tax implications of gold investment in different forms to make …
Both institutional and retail investors often prefer investing in bonds because of their inherent stability and low-risk nature. However, many times, people are late in understanding the taxation of bonds in India, which often leads to complexities when calculating tax-exclusive returns. In this blog, we will cover this topic and also discuss some additional points …
Taxation of Bonds in India: How TDS Applies to Different Types of Bonds? Read More »
Investors often look for diverse options to grow their corpus and multiply their wealth. Among the popular choices for Indians is investing in RBI investment options, known for their security and steady returns. These investors can choose between the RBI Retail Direct Scheme or RBI Direct Gilt account and RBI floating rate savings bond to …
RBI Investment Options for Resident and Non-Resident Indians Read More »
Companies facing challenges in managing their working capital generally issue high interest rate bonds. Apart from meeting ongoing business requirements, sometimes, the raised amount can also be utilised by the bond issuer to repay their existing debt. Through Stable Money, you can explore various types of high interest rate bonds and also invest in them …
Starting from October 2024, several individuals have been turning to the Utsav Fixed Deposit Scheme to grow their savings. Wondering what is the Utsav Fixed Deposit Scheme and what makes it so appealing? The Utsav Fixed Deposit Scheme, introduced by the Bank of Baroda, is one of the lucrative FD options offering high interest rates …
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Indian investors often invest in State Development Loans (SDL) over corporate bonds or government securities. State Development Loans offer a relatively higher interest rate than other securities. This makes it attractive to Indian investors. Learn what are state development loans in detail to make an informed decision. What Are State Development Loans? State Development Loans …
The RBI savings bonds offer a great investment opportunity for individuals who do not want to take too much risk. They feature extended maturity periods and provide investors with attractive coupon rates. However, the returns are subject to taxation as per the income tax slab rate. In this blog, we will walk you through a …
Market linked debentures (MLDs) denote a specific type of non-convertible debentures that do not offer fixed returns to the investors. Instead, their returns rely on the performance of a particular market index. Debentures do not give you periodic payouts but you receive the entire corpus at maturity. To know in detail about what are market …
Many of us often choose to invest in bonds to diversify our portfolio holdings. In India, investors can choose between PSU bonds, corporate bonds and government bonds to grow their corpus. While private companies issue corporate bonds, the GOI issues government bonds. However, PSU bonds differ significantly from the bonds mentioned above. Learn what are …
Perpetual bonds issued by public and private sector entities comprise a significant portion of the Indian bond market. With certain similarities to equity shares, these bonds offer a fixed periodic interest to the investors. To understand what are perpetual bonds elaborately and learn how to calculate the price and yield of such bonds, consider the …
For investors prioritising safety, consistent income and diversification, bonds have always been a reliable choice. In the current economic landscape, where interest rates are climbing, the benefits of investing in bonds are more compelling than ever. Whether you are looking to preserve capital, stabilise your portfolio or secure a dependable income source, bonds can serve …
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To many investors, a Sovereign Gold Bond (SGB) appears to be a convenient investment avenue that helps avoid the security concerns of owning physical gold. Beyond its value as an investment, SGBs also provide financial flexibility, as many banks offer loans against them. While pledging, you can offer them in either physical or demat format …
Loan Against SGB: Things to Know Before Applying for a Loan Against Sovereign Gold Bond Read More »
As per the news, Indian bonds are expected to have a great year in 2025, with investors looking forward to more gains. This optimism comes from a mix of policy changes and strong domestic demand. The Reserve Bank of India is likely to cut interest rates next year due to slower economic growth, which could …
Are Bonds a Good Investment in 2025? Pros and Cons Read More »
Bond investing may seem confusing for beginner investors, but it is essential to spend time decoding what is YTM. It acts as a vital metric whenever calculating the potential returns of bonds. Yield to Maturity gives the estimated overall returns assuming that a bond owner will maintain their possessions until maturity. This guide will demystify …
If you are considering investing in India, you will come across a wide range of options and bonds are among the top choices. Bonds are types of loans offered by governments or companies to raise capital. In return, they pay interest to you for a set period and repay the original investment at maturity. In …
When it comes to bond investments, one key factor that can affect your returns is the bond maturity. Understanding the differences between short-term vs long-term bonds is essential in making the right investment choice based on your financial goals and risk appetite. Let us dive into this blog to understand how bond maturity influences risk, …
Many investors often wonder whether they should invest in bond mutual funds or bonds directly, especially in times of rising interest rates. With so many factors to consider, it can be challenging to determine which option aligns best with your financial goals. Both investment options come with their own set of advantages and disadvantages. So, …
Bond Mutual Funds vs Direct Bond Investments: Which Is Better? Read More »
