bank deposits Archives - PrimeInvestor

Should you go for the 4-5-year special deposit schemes from NBFCs now?

Aarati Krishnan / Bonds & Deposits, Categories, Premium / January 29, 2023

With popular NBFCs such as Sundaram Finance, HDFC and Bajaj Finance revising their deposit rates in the past year, FD investors can finally look forward to better returns, after a long drought. Rising demand for loans in an improving economy, is forcing NBFCs to compete actively for deposits once again, prompting even top-rated ones to roll out deposit schemes for longer tenures of 4 to 5 years with ‘special’ rates. Sundaram Home Finance is offering 7.65% on its 4-year FD and HDFC has a special offer of 7.6% running its 45-month Sapphire Deposit scheme.
But are these rates special enough for you to lock in your money for longer tenures of 4 or 5 years?

Should you go for the 4-5-year special deposit schemes from NBFCs now? Read More »

Changes in our FD strategy and new FD recommendations

Aarati Krishnan / Categories, Bonds & Deposits / October 7, 2021

“When facts change, it is best to change your mind.” It is not clear if this pragmatic statement was made by John Maynard Keynes or Winston Churchill. But it definitely applies to the world of investing where one needs to scout for the best opportunities after factoring in constantly changing asset prices, interest rates, macroeconomic conditions and regulations.

Changes in our FD strategy and new FD recommendations Read More »

Why bank fixed deposits can be high risk too

Aarati Krishnan / Bonds & Deposits, General / October 29, 2020

If you decide to park a portion of your deposit portfolio in riskier bank fixed deposit options after fully calculating the risks that can play out, that’s certainly a valid decision. But before you take that call, it is important to know how bank failures actually play out in India.

Why bank fixed deposits can be high risk too Read More »

Quarterly review: What’s changing in Prime Deposits

Aarati Krishnan / Bonds & Deposits / April 3, 2020

These are extraordinary times for fixed income investors. Interest rates, after recent rate cuts by the MPC, are ruling at lows not seen in the last two decades. The repo rate of 4.4% today is even below levels seen during the global financial crisis. Keeping all this in mind, we have made significant changes to our curated list of deposits. Here are the three key sets of changes to the list and why we made them.

Quarterly review: What’s changing in Prime Deposits Read More »

bank deposits

Should you go for the 4-5-year special deposit schemes from NBFCs now?

Changes in our FD strategy and new FD recommendations

Why bank fixed deposits can be high risk too

Quarterly review: What’s changing in Prime Deposits

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