https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190864
Rbl offering 7.8 for 15 months tenure
current fd rates?
- 2770
- 103
-
- Last Comment
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
Top Comments
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190874
Sbi offering 6.8 for 366 days
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190875
What % are you looking for?
Max gain always come with max risks while safest way always come with least gain.
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190907
Tamilnadu mercherntail bank(TMB) 8% FOR 300 DAYS
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190912
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190914
Expand
https://bandhanbank.com/rates-c...es
kartikxxx wrote:Bandhan @ 8% (not my bank, just a suggestion)Max n safe
https://bandhanbank.com/rates-c...es
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190916
Rakhi_srikak wrote:Tamilnadu mercherntail bank(TMB) 8% FOR 300 DAYS
Cooperative?
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190918
Expand
Agnivo007 wrote:
Bandhan @ 8% (not my bank, just a suggestion)
https://bandhanbank.com/rates-c...es
Good option 
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190927
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190935
Rbi Approved Krishna Bhima Samrudhi Local Area Bank...
555 Days 8.25%, Senior Citizen 9.25%
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190948
ITC
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190955
Expand
Agnivo007 wrote:8% for 600 days. 7.25% for 1 year
Bandhan @ 8% (not my bank, just a suggestion)
https://bandhanbank.com/rates-c...es
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190967
There is CRED mint with 9%. 2 days liquidity. Although p2p via liquiloans but only users with good credit scores are eligible so SOMEWHAT reduces the risk.
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9190980
Rakhi_srikak wrote:8% p.a. for 300 days (10 months) is 8/12 * 10 = 6.67% absolute. Not a good option.Tamilnadu mercherntail bank(TMB) 8% FOR 300 DAYS
There's Ujjivan bank with 8% pa for 13months ie 8.67% absolute . (Not my bank)
https://www.ujjivansfb.in/support-interest...es
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191084
AU bank
1cr -2 Cr non callable @ 8.35% Normal FD at 8.24% APR for 2-3 years.
Senior citizen 8.77% APR.
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191096
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191141
jennyllwilliams wrote:Ye sahi tha guru 😂😂ITC
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191177
Expand
keyboarding wrote:What's bad in that? Only about 1yr 8months...
8% for 600 days. 7.25% for 1 year
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191213
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191247
What tenure do you have in mind?
For upto 3 years, AU is offering 8 percent.
From 3 to 10 years, it's DCB bank @ 7.6 percent. I expect this to maybe go up marginally in Mid April /April end to 7.75% after RBI hikes interest rate.
For 10 years though, you might as well take KVP (Sovereign Guarantee). Doubles money in 9 years and 5 months @ current 7.5 percent interest rate.
All interest taxable.
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191266
Ramta_Jogi wrote:What tenure do you have in mind?
For upto 3 years, AU is offering 8 percent.
From 3 to 10 years, it's DCB bank @ 7.6 percent. I expect this to maybe go up marginally in Mid April /April end to 7.75% after RBI hikes interest rate.
For 10 years though, you might as well take KVP (Sovereign Guarantee). Doubles money in 9 years and 5 months @ current 7.5 percent interest rate.
All interest taxable.
Less tenure, max 18 months
https://www.desidime.com/discussions/current-fd-rates?page=1#post_9191274
Booked FD last month with ujjivan for 560 days @ 8.25%
Click here to reply
Reply
Yes.
The fact is that you can always have a FD without a saving account in any bank!!
There is no rule that mandates having a saving account for having FD.
It's just that the banks don't want you to know this & definitely want to deter you from opening only FDs.
Why? Simple reason - cost of resources (raw material in manufacturing terms equivalent). Raw material for banks is money - the money that you lend to banks in form of deposits!!
Saving account deposit is a cheaper (interest ~ 2.5-3% p.a.) resource of money for bank than a FD (interest ~ 7-8% p.a.).
To add to it, they can never deduct any arbitrary/supplementary charges in a FD - like sms charges, non AQB/AMB charges, debit card charges... so even lesser revenue (i.e. more costlier) for banks in relationships with only FD!
Rbi Approved Krishna Bhima Samrudhi Local Area Bank...
555 Days 8.25%, Senior Citizen 9.25%
https://kbsbankindia.in/interestrat...hp