ArticleFixed Deposits
Bank FDs vs corporate deposits: where the risk sits
Corporate and NBFC deposits often pay more than bank FDs. The extra return is payment for risk — here is how to see that risk clearly.
4 min read
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3 pieces
ArticleFixed Deposits
Cumulative vs non-cumulative FDs: same rate, different outcomes
A cumulative FD reinvests interest; a non-cumulative FD pays it out. The rate can be identical, yet maturity values, cash flows and uses differ.
4 min read
ArticleFixed Deposits
FD laddering: regular access to cash without guessing rates
Splitting one large deposit into several with staggered maturities gives you regular access to cash and spreads the risk of renewing at the wrong time.
4 min read