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Blog Collection

Treasury Bills (T Bills) Vs Fixed Deposit (FD)

Posted on Thursday, October 10th, 2024 | By

Treasury Bill vs Fixed Deposit

Making smart investment choices is key to meeting your financial goals. Thus, it is essential to pick options that fit your budget, goals, and risk tolerance. Treasury Bills (T-Bills) and Fixed Deposits (FDs) are popular for their safe and steady returns. Yet, they serve unique needs. In this article, we’ll compare T-Bills with FDs. We’ll…

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Category : Fixed Deposit

What is Tax Saving Fixed Deposit? How Does a 5-Year Tax Saving FD Work?

Posted on Thursday, October 10th, 2024 | By

What is Tax Saver FD

A tax-saving fixed deposit (FD) is an excellent way to earn interest while enjoying tax benefits. It is a dual-benefit investment. Are you wondering how to invest money effectively while cutting taxes? A 5-year tax saving fixed deposit could be the solution. What is a Fixed Deposit (FD) That Saves Taxes? The most favoured type…

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Category : Fixed Deposit

Partially Withdraw Funds from a Fixed Deposit

Posted on Thursday, October 10th, 2024 | By

Partially Withdraw Funds from a Fixed Deposit

A fixed deposit is a secure way to save money, offering a fixed interest rate over a specified period. At maturity, you receive the principal and the accrued interest. It is also possible to withdraw your funds early. However, partial withdrawals are usually restricted to tax savers or non-withdrawable fixed deposits. They typically have a…

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Category : Fixed Deposit

How to Download Fixed Deposit Receipt

Posted on Thursday, October 10th, 2024 | By

Download Fixed Deposit Receipt

When you book a fixed deposit, the financial institution provides a Fixed Deposit Receipt (FDR) or acknowledgement. This document acts as proof of your investment. However, if you have misplaced or forgot to collect your FDR, you might wonder how to obtain it again. This blog will address this common concern and explain the steps…

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Category : Fixed Deposit

ELSS vs Fixed Deposit (FD): What to Choose?

Posted on Thursday, September 26th, 2024 | By

Fixed Deposit vs ELSS

Confused between the Equity Linked Savings Scheme (ELSS) and Fixed Deposits (FDs)? Choosing the right investment can be a difficult task, especially when you are weighing options like ELSS, with its higher growth potential and tax benefits, against the safety and predictability of FDs. This choice is critical, as it impacts both your financial strategy…

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Category : Fixed Deposit

Fixed Deposit (FD) vs Gold: Key Differences

Posted on Thursday, September 26th, 2024 | By

Fixed Deposit vs Gold

Many investors might often face the predicament of whether to opt for a fixed deposit or invest in gold, given their popularity for being comparatively safer than other market-linked instruments and for generating satisfactory returns. Fixed deposits offer a guaranteed and stable return on investment with minimal risk, making them best for conservative investors. In…

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Category : Fixed Deposit

How Much You Can Earn Through FD Monthly Interest

Posted on Thursday, September 26th, 2024 | By

Earn Through FD Monthly Interest

You may already be familiar with the advantages of fixed deposits, such as risk-free returns, loan facilities, Deposit Insurance and Credit Guarantee Corporation (DICGC) insurance coverage, and tax benefits. But did you know that you can opt for monthly interest payouts as well? IndusInd Bank Fixed Deposits offer this feature along with competitive interest rates,…

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Category : Fixed Deposit

Open a Fixed Deposit Without a Savings Account

Posted on Thursday, September 26th, 2024 | By

Open FD without Savings Account

Fixed Deposits (FDs) offer numerous benefits, including zero risk, predictable returns, loan facilities, tax benefits, and even Deposit Insurance and Credit Guarantee Corporation (DICGC) backed insurance. No wonder why millions of Indians put their trust in these investment options. The traditional route to opening an FD typically starts with owning a savings account at a…

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Category : Fixed Deposit

Leveraging FD Calculator for Long-Term Investment Strategies

Posted on Thursday, September 26th, 2024 | By

FD Calculator for Long Term Investment

Understanding the growth potential of your hard-earned money in every investment, including Fixed Deposits (FDs), is important. Fixed deposits are known for their safety, predictability, liquidity, high interest rates compared to savings accounts, and even tax advantages. However, using a fixed deposit calculator can take your investment strategy to the next level. This tool allows…

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Category : Fixed Deposit

Monthly Interest Rates for a ₹10 Lakh Fixed Deposit (FD)

Posted on Thursday, September 26th, 2024 | By

10 Lakh FD Interest Per Month

Investing ₹10 lakh is a significant financial move. By placing this amount in a Fixed Deposit (FD), you ensure the principal’s full safety while earning high interest rates. What makes these investments even more attractive are the flexible payout options offered by IndusInd Bank Fixed Deposits. This means you can choose to receive monthly interest…

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Category : Fixed Deposit

Monthly Interest Rates for a ₹20 Lakh Fixed Deposit (FD)

Posted on Thursday, September 26th, 2024 | By

20 Lakh FD Interest Per Month

Investing ₹20 lakh wisely can provide the financial security many aspire to achieve. A fixed deposit can be an ideal investment option with attractive returns, tax benefits, insurance protection by the Deposit Insurance and Credit Guarantee Corporation (DICGC), and the option to borrow against the deposit. IndusInd Bank Fixed Deposits amplify these advantages by offering…

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Category : Fixed Deposit

Power of Compound Interest: How it Operates on Fixed Deposit (FD)

Posted on Wednesday, September 25th, 2024 | By

Power of Compound Interest in Fixed Deposit

Compound interest has the power to transform your savings and investments significantly over time. Unlike simple interest, which is calculated only on the principal amount, compound interest is calculated on both the initial amount and the interest that accumulates. This difference might look nominal but can lead to substantial growth in the value of an…

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Category : Fixed Deposit

Sovereign Gold Bond (SGB) vs Fixed Deposit (FD): Detailed Comparison

Posted on Wednesday, September 25th, 2024 | By

Sovereign Gold Bonds vs Fixed Deposit

When investors think about low-risk and reliable investments, Fixed Deposits (FDs) and Sovereign Gold Bonds (SGBs) are often the first options considered. While FDs are known for their safety and guaranteed returns, SGBs add a touch of commodity investment through gold. To make an informed investment decision, it’s important to understand the specifics of each…

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Category : Fixed Deposit

Budget 2024 Highlights

Posted on Friday, September 20th, 2024 | By

Budget Day in India is highly anticipated, with businesses and the public keen to see the new schemes and initiatives. This year, due to elections, Budget 2024 was announced later than usual, on February 1. The Finance Minister presented the Final Budget on July 23, 2024, emphasizing employment, skilling, MSMEs, and the middle class. The…

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Category : Fixed Deposit

Why Fixed Deposits are a Smart Investment Amidst Rising Capital Gain Taxes Budget 2024

Posted on Friday, September 20th, 2024 | By

With the recent increase in effective capital gain taxes, investors are seeking stable and secure investment options. Fixed Deposits (FDs) have long been favoured for their guaranteed returns and low risk. In the current financial landscape, they have become even more attractive. Here’s why Fixed Deposits are a good investment choice now. Benefits of Fixed…

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Category : Fixed Deposit

Union Budget 2024: Top Takeaways for Salaried Employees

Posted on Friday, September 20th, 2024 | By

Union Budget 2024 Top takeaways for salaried employees

During the Monsoon Session of Parliament, the Finance Minister, Nirmala Sitharaman, presented the Union Budget for 2024–25. She became the first finance minister to deliver seven consecutive budget speeches, surpassing former Prime Minister Morarji Desai’s record of six consecutive budgets from 1959 to 1964. In her seventh budget, Sitharaman focused on boosting economic growth and…

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Old vs New Regime Tax Rates FY 2024-25 & AY 2025-26

Posted on Thursday, September 19th, 2024 | By

Income Tax Slabs

Understanding the income tax slab rates is essential for every taxpayer. For the financial year 2024-25, the Government of India has outlined distinct tax slabs under both, the old and new tax regimes. This article provides a comprehensive overview of these slabs, helping you make informed decisions about your tax planning. What Changes Were Announced…

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Difference Between Liquid Funds and Fixed Deposits

Posted on Wednesday, July 31st, 2024 | By

Difference Between Liquid Funds and Fixed Deposits

In India, FDs and liquid funds are the top investment choices. FDs offer guaranteed returns, a safe bet for cautious investors. Liquid funds attract those seeking short-term investments with higher returns.  This guide explains FDs and liquid funds, benefits, and key differences. If you find it difficult to decide between safety and returns, this guide…

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Category : Fixed Deposit

Understanding Important Fixed Deposit (FD) Rules & Regulations

Posted on Wednesday, July 31st, 2024 | By

Fixed Deposit (FD) Rules & Regulations

If you are looking for secure investment options, Fixed Deposits (FDs) are often a top choice for many. Steady and guaranteed returns and high interest rates make it a preferred choice.  While the promise of guaranteed returns makes FDs an attractive option, navigating the fixed deposit rules and regulations can be daunting. Investors need help…

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Category : Fixed Deposit

New Tax Regime: How Taxpayers Can Save up to ₹17,500 a Year in Income Tax

Posted on Wednesday, July 31st, 2024 | By

New Tax Regime

Budget 2024, announced by Finance Minister Nirmala Sitharaman on 23 July 2024, brings several changes aimed at boosting the economy and providing relief to taxpayers. Among the various announcements, the most crucial attraction is the revamped New Tax Regime (NTR). Designed to simplify taxation, the NTR introduces higher standard deductions and revised tax slabs, which…

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Category : Fixed Deposit