
While safety holds supreme to conservative investors, taxes matter too. Consider post-tax returns when you are comparing two investment options

Whoever is offering you a higher interest rate than the prevailing risk-free rate, you must look at the difference and the reason for the same

ICICI Bank hiked interest rates by 15 to 25 basis points on FDs while IDBI Bank raised it by 5 to 10 points

In SBI, an investor can also get access to loans up to 90% of the FD's outstanding value

A fixed deposit (FD) is one of the safest investment options which offers a fixed return without any market-related risks

Fixed deposits are safe and can provide stable income in old age

SFBs provide basic banking activities to un-served and underserved sections of societies to improve financial inclusion in the country.

Do not just go for the FD with the highest interest rate. There are other factors that also need to be considered

Those who have retired after 2014 have seen the interest income on their FDs shrink nearly 40%, making it difficult to live on the interest income fro