INVEST IN FIXED DEPOSITS
As deposit rates fall, banks turn to innovation to woo savers and stay competitive
With interest rates declining, banks face the challenge of attracting deposits. Experts suggest innovative products like fixed deposit-linked credit cards and sweep-in deposits are crucial. Younger savers are shifting to capital market products, while senior citizens favor government schemes. Banks are already adapting, but further rate cuts will necessitate more competitive offerings to retain depositors.
Not a hard and fast rule, but using this ratio increases probability of getting it right: 7 stocks with an upside potential of up to 26%
How do you value a stock? Which has a high valuation, and which is cheap? It all depends on the ratio you use to ascertain value. Consider this example: Twelve years back, the stock of an MNC FMCG company was quoting at a PE multiple of 44. At that time, the Nifty’s PE was at 25. Since then, the market capitalization of the stock has grown 10 times and its PE ratio today stands at 65. On the other hand, there was a construction company quoting at a PE multiple less than 15 around the same time, but its market capitalization today is half of what it was 12 years ago. See how relying solely on the PE ratio creates hurdles in the way of wealth creation?
Make India’s growth story & your stock story same: 6 stocks representing the confidence of growth but confusion of stock prices
In the market downturn between October 2024 to March 2025, many stocks that were stars of the bull run of early 2024 suffered sharply in the initial phase. But, some of them recovered to form new highs. These stocks moved up sharply because they are seen as part of the India growth story. So, their businesses are bound to grow. Now, the key question: As the markets are still volatile and these stocks have had a sharp run-up, should you sell and book profits? The choice is between believing in India's growth story or giving in to the fear that stock prices bring to the table.
Rs 4.58 crore stolen from ICICI bank customers: Broke FDs, created overdraft and personal loan; how relationship manager executed fraud
A 26-year-old ICICI Bank relationship manager in Kota, Rajasthan, was arrested for stealing Rs 4.58 crore from customers, including senior citizens between 2020 and 2023. This issue came to light as the bank reported the matter to police. The RM used the funds for speculative stock market trading in future and options (F&O). As per bank, after it came to know about the fraud it has refunded money to all depositors. Read below to know more.
Kota bank manager diverts Rs 4.6 crore from customer accounts, loses it all in stock market
An ICICI Bank relationship manager in Kota allegedly siphoned off Rs 4.58 crore from over 110 customer accounts between 2020 and 2023, losing it all in stock market trades. The accused, Sakshi Gupta, manipulated FDs, altered mobile numbers, and intercepted OTPs to execute the fraud. She was arrested on May 31 and is now in judicial custody.
What should FD investors do now? RBI cuts repo rate by 50 bps, interest rates will fall further
RBI repo rate cut by 50 bps: The RBI has cut the repo rate and other key rates by 50 bps in today's monetary policy announcement. The latest rate cut brings bad news for fixed deposit investors as banks will cut FD interest rates. How can FD investors still earn higher interest rate?
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Bajaj Finance shares rise 6% post RBI outcome. Why NBFC stocks will benefit more than bank stocks
Bajaj Finance shares saw a surge following the Reserve Bank of India's repo rate cut. The rate reduction is expected to benefit NBFCs more than banks due to their borrowing structures. Market experts believe NBFCs will gain significantly in this rate cut cycle. The RBI also reduced the Cash Reserve Ratio to inject liquidity into the banking system.
Scroll. Swipe. Stake: How Gen Zs and Millennials Are Reinventing Investing
A recent World Economic Forum report reveals that younger investors find crypto more understandable than traditional investments. Millennials and Gen Z, digital natives, are actively building wealth through emerging technologies like blockchain and DeFi. India, a Web3 hub with over 1,200 startups, sees youth driving this innovation, seeking transparency and ownership.
RBI MPC at a glance: Your one-stop guide for all key decisions
The RBI's MPC, led by Governor Sanjay Malhotra, cut the repo rate by 50 bps to 5.50% to support growth, projecting a 6.5% GDP increase for 2025-26. With inflation at a near six-year low of 3.2% in April 2025, the MPC forecasts CPI inflation at 3.7% for the fiscal year.
Wells Fargo shares hit three-month high as Fed ends growth freeze
Shares of Wells Fargo rose more than 2% on Wednesday after the U.S. Federal Reserve lifted a longstanding cap on its assets, marking a crucial milestone in the bank's push to rebuild its reputation and grow further.
FD interest rates are falling: Can corporate bonds offer better returns with safety?
Today, the bond market in India surged to $2.6 trillion, of which $1.3 trillion, or 45%, is made up of corporate bonds. Corporate bonds have been benefitting from the headwinds of companies allocating a higher debt component than equity, foreign investors betting on Indian debt, and retail investors finally having a seat at the table.
These 9 banking stocks can give more than 22% returns in 1 year, according to analysts
In the last eight months, every time the markets have moved up, bank stocks have invariably been among the top gainers. Large private sector banks, which were underperformers for a long phase of over three-and-a-half years, are among the current outperformers. So now, stick with these stocks even if there is some bad news. The Q4 earnings season numbers for banks showed a decline in margins. This might appear to be negative to many, but was on expected lines.
Wealthtech startup Stable Money raises $20 million in round led by Nilekani’s Fundamentum Partnership
Existing backers Z47, RTP Global and Lightspeed, besides Aditya Birla Ventures, participated in the funding round. Per cofounder Saurabh Jain, the funds will be used to expand its suite of wealth products and speed up customer acquisition. Since its launch in 2022, Stable Money has onboarded more than 150,000 users, who have invested in FDs and bonds, taking its total assets under management (AUM) to over Rs 3,000 crore.
Time to take a logical risk: 6 housing finance stocks with upside potential of up to 43%
It’s a sector that has had its good guys as well as its villains. Just about seven years back, it was a housing finance company that was responsible for a major scandal that rocked NBFCs. At the same time, the sector has seen one of the biggest wealth creators in the history of the Indian stock markets. Under the strict regulatory gaze of the RBI, the companies in the sector have been underperformers for a while. However, they are now slowly stirring to life. So, watch them closely.
Monsoon showers to bring monetary relief? SBI bets on a likely 50 bps rate cut this June
Reserve Bank of India may cut repo rate by 50 bps on June 6. State Bank of India expects this move to boost credit demand. The banking system has ample liquidity. Savings and fixed deposit rates have already decreased. Inflation is under control, so growth is the priority. India's GDP grew by 7.4% in the fourth quarter.
What are low-duration mutual funds? Who should invest in them?
Low-duration funds invest in short-term debt instruments. These funds offer stable returns over six to twelve months. They suit investors seeking liquidity and lower interest rate sensitivity. These funds invest in CDs, CPs, treasury bills, and short-term corporate bonds. Investors can access such low-duration funds through various platforms online.
Household finance mismanagement: Compulsive savings, lack of diversification won’t help you save more
Recognising their lack of financial control, many households turn to ‘compulsory saving’ as a way to enforce discipline. This often takes the form of overzealous tax-saving, random investments with lock-in periods, or buying insurance policies that promise unrealistic returns— only to struggle later with premium payments.
With a long-term perspective: 5 stocks from different sectors which fit the bill on a more important, but less used ratio
Heard of the PEG ratio? When looking at long-term investments, it is a better ratio to use than the PE ratio. For one, it helps you avoid stocks which might appear cheap but actually are not value buys. Again, in sectors that are cyclical in nature, looking at the PE matrix alone may lead to wrong decisions. In the PEG ratio, one of the variables is growth. But growth itself is a function of many variables and that is the challenge you need to navigate when using PEG. It is also the reason why not many use this ratio frequently. But the effort will pay off in terms of helping you identify the right stocks.
Last day to lock in at 9.10% FD rate: This bank to cut fixed deposit interest rates from tomorrow
Attention fixed deposit investors, today is the final day to secure FD at rates as high as 9.10% per annum. Suryoday Small Finance Bank will revise FD interest rates from June 1, 2025.
Special FD interest rate up to 7.8%: IDBI Bank revises FD rates across special deposits, check Utsav FD deadline
IDBI Bank is set to revise interest rates on fixed deposits, Utsav FD scheme, and savings accounts. The new rates become effective from May 16, 2025. Special Utsav FDs offer attractive rates for 444, 555, and 700-day tenures. Senior citizens get higher returns. Savings account interest rates also see changes, with higher balances earning more.
Hurry up! Only 2 days left for senior citizens to book FDs at 9.1% for 5 years as this bank cuts interest rates
Suryoday Small Finance Bank is set to revise its fixed deposit interest rates starting June 1, 2025, following a trend of rate cuts by other major banks. While senior citizens can currently avail a high of 9.10% until May 31, 2025.
Where should NRIs invest—in India or abroad? These 5 principles will help you get your wealth creation on right path
NRIs face a complex decision when it comes to choosing between investing in India, driven by emotional ties and growth potential, or in their country of residence, offering stability and familiarity. A balanced, globally diversified portfolio is key, aligning with personal goals and mitigating risks like currency depreciation. Strategic planning, compliance, and professional advice are crucial for long-term wealth creation and preservation.
Your step-by-step guide to retirement planning: Secure your future with confidence
Retirement planning is a lifelong journey, starting early is crucial for a secure future. The article breaks down retirement planning into four stages, emphasizing the importance of consistent saving, strategic investments, and adapting to changing financial responsibilities. It also addresses common retirement challenges and offers solutions for those who start late, highlighting the significance of financial freedom in later years.
I am 55 years old and have Rs 50 lakh lump sum. How can I invest it to build wealth in 5 years?
Our panel of experts will answer questions related to any aspect of personal finance. If you have a query, mail it to us right away.
Highest FD returns: SBI, HDFC, ICICI and Canara Bank, which one gives the maximum interest on Rs 5 lakh deposit
With recent FD interest rate reductions from major banks like SBI, ICICI, HDFC, and Canara Bank, comparing the latest offerings is crucial. Latest FD rates impact potential earnings on fixed deposits, requiring careful consideration of tenure and individual bank policies.
BNZ lowers home loan rates ahead of anticipated OCR cut, sees 20% increase in customers
This decision comes before the expected official cash rate cut by the Reserve Bank of New Zealand on May 28. Bank officials mention a rise in home loan applications. Fixed-term rates see reductions, offering customers more options. Term deposit rates were also lowered earlier. James Leydon expresses confidence in passing on savings.
How to achieve financial stability amidst fluctuating income?
A fluctuating kitchenware business means inconsistent income for the couple, for which they should consult a financial advisor. Their fixed monthly expenses exceed their earnings, creating a strain. Experts suggest strategies like securing core customers, building income-generating assets, and potentially seeking stable employment to mitigate risks and ensure a consistent household income.
Finance Ministry OKs 8.25% EPF interest rate
The government has approved an 8.25% interest rate on Employees' Provident Fund (EPF) deposits for FY 2024-25, benefiting over 70 million subscribers. The labour ministry has instructed EPFO to credit the interest, unchanged from FY24, after finance ministry approval. EPF offers high, stable returns and tax benefits, making it an attractive investment for salaried individuals.
Are RBI floating rate bonds the best option as FD rates plummet?
Investors are showing increased interest in the Reserve Bank of India's floating rate savings bonds. These bonds offer annual yields up to 8.05% for a seven-year term. Fixed deposit rates are declining, making these bonds attractive. The bonds provide a 35-basis-point markup over the National Savings Certificate. While safe, they lack liquidity and cannot be prematurely withdrawn.
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