Fixed Deposit
What are company fixed deposits?
CFDs are usually issued by NBFCs, housing companies and financial institutions, though some manufacturing companies also raise deposits from the public.
Investors can still get 8.5% interest on this FD tenure despite DCB Bank cutting interest rate
DCB Bank has reduced its fixed deposit interest rates for amounts less than Rs 3 crore for the second time in a month. Effective March 5, 2025, the bank offers rates between 3.75% and 8% depending on the tenure for general citizens.
AU Small Finance Bank cuts FD interest rate by 10 bps on this tenure; senior citizens can still get 8.50% FD interest
AU Small Finance Bank has reduced interest rates on fixed deposits for amounts less than Rs 3 crore, according to the official website of the bank. The new FD rates are effective from March 10, 2025.
Special FD interest rate up to 8.05%: Invest in these 5 special FDs before March 31, 2025
Several banks, including SBI, Indian Bank, and IDBI Bank, are offering special fixed deposit schemes with high-interest rates with deadlines in March Therefore, before the special FD deadline, investors should think about investing in these schemes if they want to get better returns.
TDP MP to offer Rs 50,000 to every third girl child in Vizianagaram constituency
TDP MP K Appala Naidu promises Rs 50,000 fixed deposit for every third girl child in his Vizianagaram constituency, hoping it will encourage population growth. He was inspired by PM Narendra Modi and CM Chandrababu Naidu, as well as the influential women in his life. Announced on International Women's Day, this initiative aims to address gender discrimination.
FD interest rate up to 9%: Check highest interest rate and one-year interest rate of fixed deposits of these banks
Many small finance banks are offering attractive fixed deposit interest rates, with Unity Small Finance Bank and NorthEast Small Finance Bank providing the highest at 9% for specific tenures. The table lists various banks and their respective rates.
Edelweiss AMC to merge two Bharat Bond ETFs
Investors who wish to remain invested will need to submit their consent with the AMC by April 8. Money will be returned to investors who do not give consent.
Money deadlines in March 2025: From special FD deadline to UAN activation
Key financial tasks must be completed before March 31, 2025, to optimize tax savings, invest in special FDs, and activate UAN for EPF-linked insurance. Special FD schemes from banks like SBI and Indian Bank offer higher interest rates, and these opportunities should be seized before their deadlines.
Hit hard by the stock market crash? This is a valuable lesson you need to learn
Think of the market downturns as fee payments in your financial education. The lessons may be expensive, but they’re valuable if properly absorbed. The key insight isn’t that the markets sometimes fall; everyone knows this. The profound lesson is that knowing this fact doesn’t immunise us against emotional reactions when it happens.
I have Rs 2 crore in FDs—Why is that a bad thing? Reddit debate unpacks investment strategy amid market crash
A Reddit user's Rs 2 crore fixed deposit query sparked debate on inflation, opportunity cost, and tax inefficiencies versus equities. While FDs offer stability, users argued equities provide better long-term returns, compounding benefits, and protection against wealth erosion.
NSC vs bank FDs: Which is a better tax saving option?
NSC and tax-saving FDs both offer tax benefits and assured returns with a 5-year lock-in. NSC provides higher interest rates and tax advantages on reinvested interest.
Rs 50,000 for a girl child, cows for a boy: TDP MP wants couples to produce third child in Andhra to boost birth rate
Vizianagaram MP K Appala Naidu offers financial support for third-born girls, pledging Rs 50,000 fixed deposit. The initiative aims to encourage population growth, inspired by Chief Minister Chandrababu Naidu's call to address declining birth rates in southern India.
Happy Women’s Day 2025: 12 financial planning tips for every woman
According to the 2025 Fidelity Investments' Financial Wellness Study while women are increasingly becoming significant financial contributors, many still lack confidence in investment planning.
These HDFC Bank services will not be available on March 9, 2025: Know when you cannot use NEFT and NetBanking facility
HDFC Bank announces scheduled maintenance on March 9, 2025, affecting NEFT, mutual fund transactions on NetBanking and mobile banking, and credit card transactions during specified hours. Customers are advised to plan transactions accordingly to avoid inconvenience. Maintenance aims to enhance system efficiency and security. Previous maintenance was done on March 8, impacting loan-related transactions and various online services.
Happy Women’s Day 2025: How women investors have evolved in the past few years
Women are increasingly becoming significant players in the financial world, with more of them making autonomous investment decisions and engaging in a diverse range of investment options. Their growing financial confidence is supported by enhanced access to financial education, digital platforms, and community support, leading to substantial economic and social shifts.
How are balanced advantage mutual funds taxed?
Fund houses have developed in-house models to decide the allocation to equity and debt. Most fund houses use a pro-cyclical mode which buys more equity when valuations are lower.
After DCB Bank, Shivalik SFB, this bank slashes FD interest rates: Check latest FD interest rates
IndusInd Bank has revised its interest rates on fixed deposits less than Rs 3 crore, effective from February 24, 2025. The highest interest rate for general citizens is now 7.75% and 8.25% for senior citizens.
FD interest rate up to 8.05% for one year tenure; Know the full list of banks offering high interest rates on FDs
FD interest: Fixed deposit interest rate up to 8.05%. General citizens who want to invest in FD for one year can get this high interest rate. Read below to know more about which banks are offering such a high interest rate on FDs. Get the full list of private sector banks here.
FD interest rate up to 9.10%: 6 banks that have revised fixed deposit interest rate in February 2025; Check details
In February 2025, six banks revised their fixed deposit interest rates amid a repo rate cut by the Reserve Bank of India. Despite some reductions, senior citizens could still earn rates as high as 9.10% per annum, offering attractive returns for their investments.
Invest, negotiate, know your rights- How women can shrug off age-old social conditionings that limits their financial management
India's financial literacy rate among women is alarmingly low at 21%, adversely affecting their financial independence and decision-making. Women must overcome societal norms and take proactive decisions when it comes to investments, negotiate fair salaries, and understand their inheritance rights. Reducing their dependency on others for managing finances and taking active charge of their own money can help Indian women achieve greater economic stability and empowerment.
New TDS rules from April 1: Higher limit for tax deduction on FD interest, lottery wins; check its impact
From April 1, 2025, the Union Budget 2025 introduces major TDS rule revisions, benefiting senior citizens with higher thresholds and similar benefits for general citizens, lottery winners, insurers, brokers, and investors in mutual funds and stocks. Check its impact
Senior citizen FDs vs Senior Citizen Savings Scheme: Check which one offers higher interest rate for senior citizens
Bank fixed deposits (FDs) and the Senior Citizen Savings Scheme (SCSS) are popular investment options for senior citizens seeking risk-free returns. SCSS offers an 8.2% interest rate, while various bank FDs provide interest rates ranging from 7% to 8% for senior citizens, depending on the bank and tenure.
This bank revises FD rates; senior citizens can get up to 8.75% interest rate for longer tenure now
Ujjivan Small Finance Bank has updated its FD and savings account interest rates effective from February 21, 2025. Fixed deposits remain one of the safer and most preferred investment options for people seeking consistent returns.
Rs 94 lakh cr investor wealth wiped from D-St, but tax loss harvesting can help recover setbacks. Here’s how
Investors can offset stock market losses against capital gains through tax loss harvesting, reducing tax liability amid higher capital gains taxes. The July 2024 budget raised STCG tax from 15% to 20% for shares held under 12 months, while LTCG tax increased to 12.5% for income above Rs 1.25 lakh on shares held for over 12 months.Caption: LTCG has been increased to 12.5% on income exceeding Rs 1.25 lakh, with shares required to be held for 12 months or more.
These 7 banking stocks can give more than 23% return in 1 year, according to analysts
This is not the first time that derivatives are playing havoc with the banking system or a particular bank. Looking back at 2008-09, while the issue was not exactly the same, derivative instruments had created problems for some banks and corporations. Despite the hue and cry this time, it appears to be a one-off issue which will be taken care of. When it comes to the banking sector, there are, at this juncture, just two things investors need to look at. One, what is the NPA situation? Second, what are the indications in terms of the cost of deposits? If these two things turn out to be fine (and we should get clarity on this in the coming weeks), then probably the bulls will get some fire power.
Mahila Samman Savings Certificate vs Bank FDs: Which investment option is offering highest interest rate?
The Mahila Samman Savings Certificate offers a fixed 7.5% annual interest rate for women, maturing in two years. In contrast, bank FD rates for two-year tenures vary, with senior women citizens receiving additional benefits. Both options include early withdrawal terms, but penalties differ.
Income from asset transferred to even your daughter-in-law will be clubbed to your income and will be taxable in your hand in this case, says income tax dept
Income tax clubbing: The tax department has released a new brochure saying Section 64(1)(vi), 64(1)(viii) says Income from Assets transferred to Son’s wife;Income from assets transferred to the son’s wife, either directly or indirectly, is taxable in the hands of the transferor if adequate consideration was not taken. Read below to know what else the tax department said.
RBI’s rate cut triggers concern for FD investors: Penalty charges for account holders looking to rebook FDs for higher interest income
Different banks impose different penalty charges, and it typically involves a reduction in interest rate. The penalty can range from 0.5% to 1%. Here is a look at the penalty charges of State Bank of India (SBI), HDFC Bank, ICICI Bank, Punjab National Bank (PNB), Canara Bank, Bank of India, and YES Bank for premature withdrawal of FD.
These large-caps have ‘strong buy’ & ‘buy’ recos and an upside potential of more than 26%
The Indian market, in correction mode for five months, is not a standalone underperformer. A part of the correction does and will continue to happen because of global markets. So, when Dow Jones Futures indicates in the afternoon that it will open with a 1% cut, or Nasdaq is set for a cut of over 2%, expecting the Nifty to end the day in the green is foolhardy. It’s simple: If the US markets are going to drop, there is no way the Indian market, or for that matter any other, whether emerging or developed, will see a standalone uptrend. Yes, there will be phases of relative outperformance. Are Indian markets going through that? Is market behavior indicating that?
These small and large private sector bank stocks may deliver over 22% return in 1 year, according to analysts
Change is the only constant in the stock market. Among the best wealth creators on the street till 2020, many private sector banks have been underperformers in the last four years. Now, cut to the last two months, a period when the market has seen one of its deepest corrections. How much do you think HDFC Bank and Kotak Mahindra Bank stocks have fallen in this period? Hardly. Both in absolute terms and more so in relative terms. See this also in the context of the fact that FPIs, the biggest owners of banking and financial services stocks, are on a spelling spree. Time to have some of these banks in your portfolio?
Explained: What does SIP, SWP, and STP in mutual funds mean? When to use them?
Mutual funds offer systematic investment, withdrawal, and transfer plans to manage risk, provide steady income, and optimize returns. These methods include SIP for regular investments, SWP for regular withdrawals, and STP for transferring funds between schemes. They help in disciplined investing, managing market volatility, and achieving financial goals efficiently.
Bank holidays in March 2025: Check state-wise list of bank holidays in March
Banks will be closed on various dates due to regional festivities like Chapchar Kut, Holika Dahan, Holi, Bihar Diwas, Shab-I-Qadr, and Ramzan-Id. Digital banking services remain operational during holidays and customers should plan transactions beforehand to avoid disruption.
These mid-cap stocks with ‘strong buy’ & ‘buy’ recos can rally over 30%, according to analysts
The recovery witnessed by the Nifty and Sensex needs a proper analysis. Is it simply a short-covering rally? Or is it a relief rally because the street has been witnessing a decline for the past many weeks? What is clear is that the relentless selling has taken a pause. There is, however, no perfect answer to whether the recovery will sustain. One thing is for sure, however. If you are looking to invest more money in the equity market, especially in the mid-cap segment, you need to be very selective. And also have a medium- to long-term perspective. Also, avoid two things: Average and leverage.
Flipkart’s Super.money acquires BharatX’s tech, key team members to expand credit offerings
This deal does not involve a full acquisition of BharatX, a Y Combinator-backed fintech credit startup, given its existing credit-related liabilities.
These 8 banking stocks can give more than 22% returns in 1 year, according to analysts
HDFC Bank was one of the two stocks that led the current correction when it began in September 2024. Now, did you know that HDFC Bank is among the very few stocks that show a positive return on a trailing basis in the last six months of deep correction? In fact, a number of banking sector stocks have relatively outperformed the market during this period. If you are bullish on India, you have no choice but to be bullish on the banking sector. But be very selective about the stocks you hold or plan to buy.
Down today, but they cannot be out in the long term: 7 stocks from the NBFC space, 5 with an upside potential of over 26%
While the broader market is witnessing sharp cuts, some sectors have been under pressure much before the current phase of correction began. NBFCs, for instance, have been under pressure for more than two years. Now, you may ask why you should look at a sector that was faring poorly even in a bull run. To answer that, you need to know the reason why they were under pressure. But before we get to that, remember: NBFCs are the backbone of the economy. In times like these, just make sure that you buy stocks of companies where promoters have a track record of dealing with both euphoria and depression on the street, and in the real business as well.
After RBI rate reduction, this bank cuts fixed deposit interest rates by 25 bps but seniors can still get 9.05%; check details
The Reserve Bank of India on February 7, 2025, cut the repo rate—from 6.50% to 6.25%—for the first time in nearly 5 years. Shivalik Small Finance Bank (SFB) has reduced its interest rates on fixed deposits (FD), after the Reserve Bank of India (RBI)’s repo rate cut.
NRI deposits jump 43% in April-December 2024, shows RBI data
NRI bank account inflows rose by 42.8% to $13.33 billion between April and December 2024, compared to the previous year. FCNR(B) deposits saw the highest growth, almost doubling to $6.46 billion. NRE and NRO deposits also grew, reaching $99.56 billion and $30.04 billion, respectively. The RBI raised interest rate ceilings to attract more inflows.
Have a CTC of over Rs 17 lakh? You can still pay zero tax just by rejigging your salary structure: Here's how
Salary structure to pay zero tax: If your taxable income is more than Rs 12 lakh, there are ways that you can still pay zero tax. This can be done by rejigging your salary structure and using reimbursements that are allowed under the new tax regime. Know four reimbursements and allowances that can help you reduce your taxable income.
Indian banks to face margin squeeze as RBI may go for more rate cuts
Indian banks are experiencing pressure on their net interest margins due to the RBI's recent rate cut and expectations of further reductions. Strong loan growth has helped, but high deposit rates and increased competition for deposits are squeezing margins, with major lenders like SBI and Bank of Baroda reporting declines.
Axis Bank makes FD investment easier: Check how to invest in Axis Bank fixed deposits from any other bank
Traditionally, opening an FD required transferring funds to an Axis Bank savings account first. This new feature allows customers to invest directly from any bank, streamlining the process and saving both time and effort.
Punjab National Bank revises interest rates; check latest PNB home loan, car loan, and personal loan interest rates and offers
Punjab National Bank has revised its lending rates, effective February 10, 2025, following a reduction in the RBI repo rate. The new rates apply to home, car, personal, and education loans, and home loans.
These mid-cap stocks with ‘strong buy’ & ‘buy’ recos can rally over 28%, according to analysts
From being the most loved segment of the market, mid-caps are today under fire from all sides. Switch on a business channel and you will hear 10 reasons why mid-caps are under pressure. And why they are likely to continue facing the music. The fact is that, if there is a recovery for three consecutive days, you will hear exactly the opposite of what is being said today. This is not to say that valuations in the mid-cap segment were not high and required a correction. But it is time to look at each stock and business separately and think medium- to long-term rather than wondering what is going to happen to the Nifty on an every-day basis.
SIP calculator: Rs 250 JanNivesh scheme can leave you with Rs 17 lakh corpus in 30 years
SBI Mutual Fund: Investing Rs 250 per month through a SIP for 45 years at an expected return of 15% can help accumulate a corpus of Rs 1.63 crore. However, these returns are not adjusted for inflation, meaning the actual purchasing power of the corpus could be significantly lower. Factoring in inflation is essential to set realistic financial goals and ensure adequate wealth accumulation.
This bank cuts savings account interest rate by 50 bps on these balances: Check latest interest rate
The bank offers different interest rates on savings accounts based on the account balance. The new rates are applicable from February 17, 2025, according to the Kotak Mahindra Bank website.
Don't fall for narratives; choose wisely, advises Radhika Gupta of Edelweiss Mutual Fund
A recent trend observed is that investors are halting their systematic investment plans (SIPs) in mutual funds due to concerns about the market, and instead, they are switching to index funds, believing them to be less risky.
After RBI rate cut, this bank slashes FD interest rates by up to 65 bps
The Reserve Bank of India last week cut the repo rate from 6.50% to 6.25%, the first such reduction since 2020. According to the bank’s website, it has reduced FD interest rates by up to 65 basis points (bps). The revised rates will take effect on February 14, 2025.
These 8 banking stocks can give more than 34% returns in 1 year, according to analysts
Banking is one sector where FPIs have a very high exposure. Despite that, if you look at the broad picture, banking stocks have not seen the kind of selling you would expect when there is large-scale offloading by FPIs, as seen these past few months. Obviously, there has to be a reason for this. Well, some of the large private banks have already witnessed selling and underperformance; and, when it comes to PSU banks, there has been certain structural improvement. Clearly, it is time to treat the banking sector differently as compared to other sectors that are witnessing selling.
Best arbitrage mutual funds to invest in February 2025
Arbitrage funds are taxed like equity mutual funds. This means they qualify for long term capital gains tax of 12.5% if investments are held for more than a year.
My father left Rs 1 crore, how should I invest to generate steady monthly income?
How can I invest Rs 1 crore to generate steady, monthly income? Our panel of experts answers questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Are first signs emerging that HDFC, ICICI, AXIS, Kotak & IndusInd banks will regain lost glory and create wealth once again?
A set of stocks that created much wealth till a few years back, but have been underperforming for the last four years, are large private sector banks. Now, there is an unorthodox way of checking whether sentiment for some sector or set of stocks is changing. And that is doing a sensitivity analysis of the stock price to news. How many of you realize that the HDFC Bank stock price is higher today than it was a month back? This has to be seen in light of the fact that HDFC Bank had among the highest holdings by FPIs and it was the one that led the fall in October 2024. It’s a different story today. Now, recall 2020, when, after a phase of underperformance, large IT companies suddenly made a comeback. Are large private sector banks at the same inflection point?
Best aggressive hybrid mutual funds to invest in February 2025
Aggressive hybrid funds are one of the popular hybrid mutual fund categories. These schemes are mandated to invest in a mix of equity (or stocks) and debt. As per Sebi norms, these schemes must invest 65-80% in stocks, and 20-35% in debt.
No premature withdrawal penalty on FD, health benefits, cyber insurance to prevent frauds: Know the special products offered by this bank
IDFC FIRST Bank has launched special products exclusively tailored for senior citizens, including a Senior Citizen Savings Account and Senior Citizen Fixed Deposits that offer additional benefits such as a 0.5% higher interest rate and no penalty on premature FD closures. Senior citizens also receive Cyber Insurance coverage and complimentary health benefits.
Fund manager Gurmeet Chadha sees signs of normalization in Indian stock markets: 'Stopped getting multibagger calls from Indore'
Investor sentiment has shifted in Indore following a market correction, with excitement over multibagger stock tips transforming into cautious interest in fixed deposits. Fund manager Gurmeet Chadha notes the importance of long-term investing, emphasizing how missing key market days significantly impacts returns. This change highlights a broader retreat from high-risk investments amid fragile sentiment and foreign fund outflows.
Time to lock money in corporate FDs before RBI's likely rate cut
Corporate fixed deposits from Bajaj Finance, Mahindra Finance and Shriram Finance are popular amongst investors, especially senior citizens because of returns predictability.
Senior citizen FDs are offering up to 9.5%: Check the current fixed deposit interest rates after RBI cuts repo rate by 25 bps
The Reserve Bank of India has cut the repo rate by 25 basis points to 6.25 percent. A repo rate cut benefits borrowers but affects fixed deposit investors. Banks will reduce FD rates soon. Seniors should invest in FDs now.
Why you should stop thinking about stopping your SIPs
The mutual fund industry has successfully positioned SIPs as a wealth-building tool, with SIP inflows surging from ₹2,000 crore a decade ago to over ₹26,000 crore today. Despite market downturns, SIPs in small-cap funds have historically delivered strong long-term returns. Instead of debating stopping small-cap SIPs, investors should focus on proper asset allocation aligned with their risk tolerance
Can Rs 3 crore corpus be achieved with Rs 60,000 SIP per month in 10 years? Portfolio tweaks you need right now
Investors aiming for long-term wealth creation must select the right mutual funds and adopt a disciplined approach. Mahesh's portfolio review by Shweta Rajani suggests a 20% annual increase in SIP contributions and some fund restructuring to meet his Rs 3 crore goal in 10 years.
Mutual fund SIP inflows top Rs 26,000 crore mark for second straight month
Monthly mutual fund SIP inflows in January 2025 were recorded at Rs 26,400 crore, slightly lower than December's Rs 26,459 crore. The number of SIP accounts marginally decreased to 10.26 crore. Despite market volatility, investor participation remained robust, emphasizing the importance of disciplined, long-term investment approaches.
Best value funds to invest in February 2025
According to mutual fund managers, investors should invest a maximum of 20% in value mutual funds. They also should remember that the market may not always pay a premium for value stocks.
Urban Indians save more but struggle to meet financial goals, survey finds
A survey on urban Indians' financial behavior in 2024 reveals strong saving habits but limited success in achieving financial goals. Despite 67% saving over 20% of their income, poor financial literacy and planning remain major hurdles. Mutual funds are the most popular investment choice, and 67% of respondents plan to increase investments in 2025.
Best focused mutual funds to invest in February 2025
According to Sebi norms, focused mutual fund schemes must invest in a portfolio of maximum 30 stocks. These schemes have no other restrictions when it comes to investing- like flexi cap schemes they can invest in any market capitalisations and sectors.
Trends in retail investors shifting from stocks to bonds
Fixed deposits have been a staple for conservative investors due to their simplicity and guaranteed returns. However, their appeal is fading when examined closely. Leading banks offer around 7%, but for investors in the 30% tax bracket, this drops to 5.1% post-tax. With inflation averaging 5%, the real return is negligible, barely preserving purchasing power.
Cost of starting SIP late can be huge over long-term : WhiteOak Mutual Fund
Starting a SIP late can lead to a significant "Cost of Delay," as demonstrated by WhiteOak Mutual Fund. Even though SIPs initiated at market peaks yield higher absolute returns over time, predicting market cycles is impossible. A disciplined, valuation-driven approach helps investors manage volatility while benefiting from long-term equity growth.
Make the most of the repo rate cut, book FD with interest rate up to 9% before banks start reducing the interest rate
The Reserve Bank of India has reduced the repo rate, leading banks to soon lower fixed deposit interest rates. Small finance banks currently offer the highest FD rates, up to 9%, while private and public sector banks offer relatively lower rates. Investors should act quickly to benefit from existing higher rates.
Debt mutual funds returns fluctuate despite investing in fixed income securities: Here’s why
Kunal Gupta, a conservative investor, has parked his money in the PPF, fixed deposits and REC bonds. He assumes debt funds offer fixed returns. However, his relationship manager has clarified that debt fund returns fluctuate due to market risks, much like equity funds. Perplexed, Gupta wonders why debt funds, which invest in fixed-income securities like government and corporate bonds, with fixed interest payments, don’t guarantee fixed returns.
RIL, HDFC Bank, ITC among top stocks bought and sold by mutual funds last month
In January, mutual funds bought stocks worth Rs 575 billion in India's secondary market, with key additions in Axis Bank, HDFC Bank, and ICICI Bank. Major reductions were seen in Reliance Industries, ITC, and Bharat Electronics. Notable entries included Adani Wilmar in mid-cap and AXISCADES Technologies in small-cap. Mutual funds actively managed their portfolios, focusing on large, mid, and small-cap stocks.
Another bank in trouble: Depositors of New India Co-operative Bank can not withdraw their deposits; what lies ahead for them
New India Co-operative Bank: Considering the bank's present liquidity position, the bank has been directed not to allow withdrawal of any amount from savings bank or current accounts or any other account of a depositor but is allowed to set off loans against deposits. Can Deposit Insurance and Credit Guarantee Corporation (DICGC) help?
How to reduce TDS using Form 12BAA?
Salaried taxpayers often face higher tax deductions at source (TDS) on their salaries despite having paid TDS or tax collected at source (TCS) on other sources of income or expenses.
The rise of retail investors: Democratizing India's financial markets
Retail Investors: Sebi requires companies to disclose essential information for informed investor decisions. Financial institutions enhance confidence through transparency, sharing details on fees, risks, and performance. Clear communication about investment risks helps investors align choices with their risk tolerance, ensuring better decision-making.
These large- and mid-cap stocks can give more than 28% return in 1 year, according to analysts
Which is the one word that has dominated equity markets for the past five months? Volatility. For a majority, it is a bad word that is associated with bearish markets. But most don’t know another aspect of volatility: Both at the top and bottom of the market, the volatility quotient is always high. Now, another point. In volatile markets, there are phases when large-caps have underperformed while mid-caps have outperformed. There have also been times when the opposite happened. In this context, it is better to have a combination of both large- and mid-caps in your portfolio. Also, diversification is the key.
Don't want to put foot in my mouth again but SIP or lump sum, investing in a costly asset class won't get you value: S Naren
S Naren, CIO at ICICI Prudential AMC, advises focusing on bank fixed deposits, debt mutual funds, and office spaces due to their underperformance over the past five years. He emphasizes the importance of investing in undervalued asset classes and maintaining a strategic asset allocation, especially in a market where valuations are high.
Even in volatile times, these 6 banking stocks can give more than 20% returns in 1 year, according to analysts
In the broad, corrective phase like the one we are witnessing these days, almost every sector has been mauled by bears. But even in such times, everything has to be seen in context. For instance, parts of the banking sector are showing relative outperformance. And if they can ride this phase out, it is quite possible that they will be able to move up as the broader sentiment recovers. Check out Stock Reports Plus, powered by Refinitiv, for price targets of over 4,000 listed stocks along with detailed company analysis focusing on five key components ,earnings, fundamentals, relative valuation, risk, and price momentum, to generate standardized scores. SR+ Reports is a complimentary offering to ETPrime members.
Best tax saving mutual funds or ELSS to invest in February 2025
Tax -saving mutual funds or Equity Linked Savings Schemes (ELSSs) helps you to save income tax under Section 80C of the IT Act. You can invest a maximum of Rs 1.5 lakh in ELSSs and claim tax deductions on your investments every financial year. Are you interested?
TDS limit for interest income from bank FD hiked from Rs 40,000 in Budget 2025: Check details
Budget 2025 proposes raising the TDS threshold on interest earned from fixed deposits by non-senior citizens from Rs 40,000 to Rs 50,000 per annum, effective April 1, 2025. TDS is deducted by banks on interest exceeding specified limits, with current rules imposing a 10% rate if PAN is available and 20% if not.
Are you pruning your garden but not rebalancing your investments? Both money and plants need similar care to grow
Identify behaviours that impact your personal finances the most. Is there a tendency to spend impulsively? Do you shop compulsively under stress? Are you tempted to overspend on clothes? You may not achieve a complete makeover with respect to your habits and behaviour, but you can choose to act on significant habits that impact your wealth.
To avoid new TDS on interest above Rs 1 lakh, how much should senior citizens invest in bank FD?
TDS on FD interest: For senior citizens, banks will now deduct TDS if interest amount exceeds Rs 1 lakh in a particular bank. However, with smart planning senior citizens can invest a certain specified sum of money to earn Rs 99,999 interest income in a year, thereby avoiding the TDS clause. Read below to know the calculation and what is this number.
Budget proposals to garner up to Rs 45,000 crore bank deposit: DFS Secretary
The Union Budget 2025 aims to boost bank deposits by Rs 40,000-45,000 crore through income tax adjustments. Key proposals include raising the TDS threshold on fixed deposits and increasing senior citizens' savings limits. Additionally, a significant transfer of Rs 1 lakh crore NPA accounts to National Asset Reconstruction Company Limited is noted, adhering to RBI guidelines.
From capex to consumption: A strategic shift in market sentiment
The capital goods sector has declined for six of the last seven months due to high valuations. The 2025 Union Budget shifts focus from capex-led growth to boosting consumption via tax cuts, benefiting sectors like FMCG, consumer durables, automobiles, real estate, retail financing, and banking.
Budget 2025 hikes TDS limit for senior citizens: Here is a list of banks offering highest rates on 1-year FDs for senior citizens
The Union Budget 2025 proposes raising the TDS threshold, offering additional financial relief to small taxpayers and senior citizens, who depend on fixed deposit plans for assured profits. Here are banks offering the best rates for senior citizens on 1-year FDs
Healthy loan growth, fall in provisions spruce up SBI Q3
Unlike a year ago, SBI did not have to make a ₹7,100-crore provision for employee pension and wages, boosting profit growth at the country's most-valued government-owned company.
How are succession and legal heir certificates different from each other?
If you are confused by personal finance terms, jargon and calculations, here’s a series to simplify and deconstruct these for you. In the 36th part of this series, Riju Mehta explains the difference between succession certificate and legal heir certificate.
ED seizes Rs 1,000-cr worth assets of Chennai-based firm in PMLA case
The Enforcement Directorate seized Rs 1,000 crore in assets from Chennai-based RKM Powergen Private Limited, linked individuals, and associated entities over fraudulent coal block acquisition in Chhattisgarh. The investigation revealed funds worth Rs 3,800 crore were transferred to a foreign entity, resulting in round-tripping project funds. Raids uncovered significant assets, including fixed deposits and mutual funds worth Rs 912 crore.
Best mid cap mutual funds to invest in February 2025
Mid cap schemes invest in mid cap stocks or in stocks of medium-sized companies. As per Sebi norms, mid cap schemes are mandated to invest in companies that are between 101 and 250 in the market capitalisation.
MF Tracker: Is HDFC Defence Fund a good fit for your portfolio?
HDFC Defence Fund, launched in June 2023 and managing assets worth Rs 4,647.38 crore, has garnered significant investor interest with a notable 46.87% CAGR since inception. Despite this, experts caution against sectoral funds due to their high risk and volatility, recommending diversified equity mutual funds instead.
Lending winter is sending chills to listed fintech companies
The slowdown in unsecured consumer loans is affecting fintechs like Paytm, MobiKwik, and Paisabazaar, with significant drops in loan disbursals. Companies are pivoting towards merchant loans and new products to offset declining revenues from credit services.
FD interest rate up to 9.3%: This bank revises interest rates on fixed deposits for these citizens
Shivalik Small Finance Bank (SFB) offers the highest interest rate of 8.80% on fixed deposits for general citizens and 9.30% on FDs for senior citizens on tenures of 12 months 1 day to less than 18 months.
Mahila Samman Savings Certificate: Has Budget 2025 proposed extension beyond the deadline of March 31, 2025?
The Mahila Samman Savings Certificate (MSSC) scheme, announced in the Union Budget 2023, is a small savings plan for women and girls in India. It is available until March 31, 2025, with a maximum investment limit of Rs 2,00,000. The scheme offers a fixed interest rate of 7.5% per annum, which is higher than the interest rate offered by banks on fixed deposits currently.
These 6 banking stocks can give more than 27% returns in 1 year, according to analysts
You may have missed this amidst the mayhem on the markets. A guidance, especially a bad one, from a public sector bank can put a lot of pressure on the banking space. So, investors need to keep an eye out for what they say about three different aspects that decide the fate of the sector. The first is, of course, growth. The other two aspects are: One, asset quality, or the NPA situation. And, two, the overall structure of the loan book; whether it is focused on retail or wholesale. Before you buy or sell any bank, it is important to know what it is doing. A small finance bank is likely to provide bad guidance on all fronts. But that might not be the case with PSU or private banks.
Here's how Mr. Gupta can reach his goals easily by hiking SIPs by 5% every year
The Portfolio Doctor assesses the health of the fund portfolio, examines the schemes and their suitability with regard to the goals, and, if required, recommends corrective measures. The advice given is based on the performance of the funds, the risk profile of the investor as well as his financial goals.
Big relief for home loan borrowers as EMIs to fall by 1.8% on a 20 year loan tenure as RBI reduced repo rate by 25 bps
Home Loan Interest Rate: RBI has reduced the repo rate by 25 basis points, providing relief to home loan borrowers. The repo rate cut could lead to lower interest rates on floating rate home loans. Further cuts this year will depend on sustained low inflation and growth concerns. The next rate cut's timing is uncertain and will be influenced by economic factors.
FD interest rate up to 8.55%: YES Bank, DCB Bank revise FD interest rates; check details
Ahead of the Reserve Bank of India (RBI)’s Monetary Policy Committee meeting on February 7, 2025. Several banks including YES Bank and DCB Bank have revised their fixed deposit (FD) interest rates in January 2025 to attract more depositors.
Ahead of RBI MPC meeting in Feb, these 6 banks have revised FD rates in January
The Reserve Bank of India (RBI) is likely to take a call on repo rate reduction at the Monetary Policy Committee (MPC) meeting on February 7. Here are banks that have revised their fixed deposit interest rates in January 2025. Note that the below mentioned rates are only applicable on fixed deposits for general citizens.
Best large cap mutual funds to invest in February 2025
According to the Sebi mandate, the large cap mutual funds are mandated to invest in top 100 companies by market capitalisation. Large companies fare better in a volatile market as these companies may be market leaders and resilient to downturns.
Cannot be underperformers beyond a point: 7 stocks from different financial services segments, with upside potential of more than 42%
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New fixed deposit schemes launched in January 2025: Interest rate of SBI, IDBI Bank, PNB, Bank of Baroda new FD schemes
In January 2025, major banks like SBI, PNB, IDBI, and Bank of Baroda launched new fixed deposit schemes and products with higher interest rates and added flexibility to attract customers. These include special offers for super senior citizens and innovative features like partial withdrawals to address both immediate and long-term financial needs.
Monthly payout FD calculator: How to calculate and plan for regular income from fixed deposits
A monthly payout FD calculator helps estimate monthly interest earnings from fixed deposits based on principal, FD rates, and tenure. It aids in accurate income estimation, financial planning, and comparing options, especially useful for retirees seeking a stable income stream without risking principal investment.
