Savings & Deposits News India
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FDs, PPF, RD, high-yield savings accounts and deposit rate updates.
📰 Latest Savings & Deposits News
₹10L Emergency Fund: Split It in 3 Buckets?
Keeping all your emergency money in one place — savings account, FD, or mutual fund — is a mistake. Experts say splitting ₹10 lakh across three buckets gives you speed, safety, and better returns together.
mint - moneySGB Matures Oct 23: Your ₹14,425 Per Unit Payout
Sovereign Gold Bonds issued on October 23, 2018 (2018-19 Series-II) mature on October 23, 2026. RBI has fixed the final payout at ₹14,425 for each unit, worked out from recent gold rates.
Reserve Bank of IndiaUCO Bank 444-Day FD: Is Your Rate 6.45%?
UCO Bank offers a special 444-day fixed deposit at 6.45% per year for regular customers, with senior citizens getting extra. But tax, premature exit penalties, and the ₹5 lakh insurance cap can quietly reduce your real gain.
taxguruinKotak FD: Is Your 1-Year Deposit Really Safe?
Kotak Mahindra Bank's 1-year to 15-month FD offers decent rates, but premature withdrawal costs you, and DICGC only covers ₹5 lakh total across all your deposits in that bank. Here's what to know before locking in.
taxguruin1-Year FD: Which Bank Pays You Most in 2025?
If you have ₹1 lakh to park safely for one year, small finance banks like Suryoday and Ujjivan are offering 7.25% interest — far more than what most big public or private banks pay right now.
Wealth-Economic TimesMarkets Falling? Your ₹10K RD Beats SIP Risk Now
When stock markets fall, Recurring Deposits (RDs) at banks like PNB become a smart, safe option. You deposit a fixed amount monthly and earn guaranteed interest — no market risk, no sleepless nights.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineEarning 7.15% FD? Your 10% Loan Costs More
Bank of Baroda launched a 'green' FD offering up to 7.15% interest. But if you have active loans at 9–12%, this FD is likely costing you money — not making it. Here's what borrowers must know before parking cash here.
taxguruinCASA Crunch: Is Your Savings Rate About to Fall?
Banks across India are losing cheap savings and current account deposits as households move money into FDs, mutual funds, and other higher-return options. This CASA crunch could push banks to cut what they pay you on savings accounts — or raise loan rates to protect their margins.
NDTV Profit - LatestPNB 666-Day FD: Is Your 7.30% Rate Locked In?
PNB's 666-day fixed deposit offers 6.50% for regular customers, 7.00% for seniors, and 7.30% for super-seniors above 80. But TDS rules and DICGC limits can quietly eat into what you actually take home.
taxguruin23 NBFCs Shut: Is Your Loan or FD Safe?
RBI cancelled registration of 13 NBFCs and 10 others surrendered their certificates. If you have a loan or fixed deposit with an NBFC, you need to check its status right now before your next payment.
MoneylifeShriram Finance FD: Is Your 8% Bank Rate Worth It?
Shriram Finance has hiked interest rates on its fixed deposits from October 11, 2026. Rates now go up to 9.35% per year — well above most bank FDs. Here's what this means if you're looking to park savings safely.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsPremium Savings Accounts: Are You Earning 7%?
Banks are launching premium savings accounts with higher interest, cashback, and free insurance. Here's what these accounts actually offer, what they cost, and whether you should switch from your plain vanilla savings account.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance NewsSBI FD: What ₹1 Lakh Earns in 1–10 Years?
SBI's fixed deposit rates range from 3.5% to 7.1% depending on tenure. Here's exactly how much ₹1 lakh grows in 1, 3, 5, and 10 years — so you can decide if FD is really the right place for your savings.
Wealth-Economic TimesSBI FD Rules 2025: Is Your ₹5L Deposit Safe?
SBI fixed deposits come with TDS deductions, premature withdrawal penalties, and DICGC insurance only up to ₹5 lakh. Here's what every depositor must know before locking in their money.
taxguruinFD Encashment Taxed Twice? Know Your ₹11L Defence
A tax tribunal ruled that when you break a fixed deposit, that money is NOT new income. The taxman cannot treat FD encashment as a fresh bank deposit and tax it again. Know your rights before filing.
taxguruinFD Rates Oct 2026: Are You Earning Your Best?
FD rates vary widely across banks in October 2026. Small finance banks offer up to 9.5% while big PSU banks sit closer to 6.5-7%. Knowing where to park your money can mean thousands of rupees more every year.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineBulk FD Rules Change Oct 1: Does Your ₹3Cr FD Pay More?
From October 1, RBI is changing how banks price and disclose interest rates on large fixed deposits above ₹3 crore. If you have big FDs, banks must now be clearer about what rate you actually get.
mint - moneyFD Loans Hit ₹2L Crore: Is Your FD Working Hard Enough?
Loans against fixed deposits have jumped 43% in one year to over ₹2 lakh crore. This means more Indians are using FDs as instant collateral instead of breaking them — and it could save you thousands in interest and penalty charges.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineFD Rates Sep 2026: Are You Earning 9.5%?
Fixed deposit rates vary wildly right now — from 6.5% at big banks to 9.5% at small finance banks. Where you park your savings decides thousands of rupees in interest every year. Here's how to pick smart.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLine8.5% FD: Which Banks Pay Your Parents Most?
Some small finance banks are offering senior citizens up to 8.5% interest on fixed deposits right now. If your parents or in-laws have idle savings in a big bank, they could be leaving thousands of rupees on the table every year.
NDTV Profit - LatestSBI Seized ₹19.90L FD: Is Your Deposit Safe?
SBI debited ₹19.90 lakh from a widow's fixed deposit to recover her dead husband's loan. The Allahabad High Court ruled this illegal and ordered a full refund. Your FD is not automatically liable for your spouse's loans.
Live LawSenior Citizen FD Rates 2026: Who Pays 8.50%?
Small finance banks like Equitas, ESAF, and Suryoday are offering 8.50% FD rates for senior citizens in 2026. PSU banks like Bank of India also offer competitive rates on select tenures. Here's how to compare and pick safely.
Wealth-Economic TimesPaytm Digital Gold: Is Your ₹500 Stack Worth It?
Paytm now lets users convert their Digital Gold balance into CaratLane jewellery. Sounds handy — but before you tap 'redeem', here's what you need to know about charges, tax, and whether Digital Gold was ever the right savings tool for you.
NDTV Profit - LatestFCNR Rates Cut: What Your NRI Family Earns Now?
Major Indian banks have cut FCNR(B) deposit interest rates from September 2026 after a government hedging support scheme ended. If your NRI family parks foreign currency in Indian banks, returns will be lower now.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News₹6.65L Cr Surplus: Will Your FD Rate Drop Next?
India's banking system is sitting on a ₹6.65 lakh crore cash surplus, partly driven by NRI money flowing into FCNR(B) deposits. When banks have too much cash, FD rates tend to fall and loan rates may soften — here's what that means for your savings and EMIs.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineBonds vs FDs: Where Should Your ₹1L Go in 2025?
Big Indian companies are issuing long-term bonds because borrowing costs are falling. This creates a real opportunity for regular investors to lock in decent returns before rates drop further — but there are risks to understand first.
Latest Money & Banking, Financial News Today - news | The HinduBusinessLineSenior Citizens: Earn 8.50% FD — Which Bank?
Senior citizens can earn up to 8.50% per year on fixed deposits right now. Small finance banks are leading with the best rates, while big private and public sector banks offer 7–7.75% on select tenures. Knowing where to park your money matters a lot.
Personal Finance News in CNBCTV18, Personal Finance Latest News, Personal Finance News8.50% FD Rate: Is Your Senior Citizen Getting This?
A small finance bank is now offering up to 8.50% per year on fixed deposits for senior citizens and 8.25% for regular customers. If your FD is sitting in a big public sector bank at 6-7%, you could be leaving thousands of rupees on the table every year.
Wealth-Economic TimesFCNR(B) FDs: Lock NRI Rates Before Aug 31 Deadline
NRIs can deposit foreign currency in Indian banks via FCNR(B) accounts and earn high interest. A government hedging support scheme ending August 31 is pushing banks to offer elevated rates right now — but the window is closing fast.
Wealth-Economic TimesFCNR Deposits: 19X Leverage Risk NRIs Miss
FCNR deposits look safe for NRIs — good interest, no tax in India. But using them as loan collateral at 19X leverage can wipe out your savings if the rupee moves against you. Here's what to know before you sign.
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