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Loan against fixed deposits: Things you should keep in mind
You don’t have to withdraw money or break the FD. It remains as it is. It is merely pledged to the bank
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Do you know that you can get an overdraft on these investments as well?
Overdrafts allow you to continue withdrawing from your savings or current account even after your balance is zero
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For safe returns, here are nine instruments offering higher rates than banks
These schemes are backed by the government and offer guaranteed returns
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FD investors stare at negative return as inflation inches up
Once a safe investment haven, fixed deposits currently lead to a wealth erosion. As per a rough estimate, around Rs 1 lakh crore is being eroded as FD
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Fixed Deposits: Check interest rates offered by post office for different tenors
The investment under 5 year TD qualifies for the benefit of section 80C of the Income Tax Act, 1961
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Money9 Helpline | Making most of RBI’s resolution framework 2.0 to relieve you from stress and debt burden
Satyam Kumar, CEO, Loan Tap resolved Money9 callers' concerns related to EMIs payment, loan payment in a financially tight situation
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Fixed Deposits: These NBFCs offer up to 7.25% interest on 1-year deposit
FDs by NBFCs offer higher interest rates than banks or post offices
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Tax-saving FDs: Five banks offering higher interest rate
Tax-saving FDs come with a lock-in period of 5 years and more
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Fixed deposits: Top-5 banks giving higher interest rates
The interest earned on a FD is fully taxable. It is considered a part of total income and taxed as per the applicable tax slabs
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What are the inflation-beating fixed income options available?
Amit Kukreja, founder, Amitkukreja.com, told Money9 that people can opt for a zero default product called RBI Floating Rate Bonds
