Atal Ojha’s Post

Fixed Deposits (FDs) offer a safe and reliable way to grow your money, especially for risk-averse investors. Unlike volatile market-linked investments like stocks or mutual funds, FDs provide guaranteed returns at a fixed interest rate, ensuring that your principal and interest are secure. Additionally, FDs are low-risk and insulated from market fluctuations, making them a stable option for long-term financial planning. With flexible tenure options, predictable returns, and the ability to earn up to 9.45%* interest per annum, Fixed Deposits are ideal for those seeking safety, stability, and steady income, making them a preferred choice for conservative investors over riskier investment alternatives. 📌 Benefits of Fixed Deposit 💼💰 -------------------------------------------------- 🔝 Higher Interest Rates – Earn attractive returns up to 9.45% p.a. 🔍 Predictability – Enjoy guaranteed returns without market fluctuations. 🛡️ Safety – Your investment is secure with assured returns. 🕒 Flexibility – Choose from a variety of tenures to suit your financial goals. 💧 Liquidity – Access your funds when needed with options for premature withdrawal. 📊 Diversification – A stable way to balance your portfolio against market risks. Fixed Deposits combine security with steady growth, making them a trusted option for all types of investors! 📌 Explore India's Exclusive Online Platform For Fixed Income Investments 👉 https://steadyincome.in/  📺 Explore Video: https://lnkd.in/d97w8jYk *T&C Apply 🤝🏻 Interested to investment? Contact us @ ---------------------------------- 📞 +91 7574000351 📩 hello@steadyincome.in 🖥️ www.steadyincome.in

Maximizing Your Earnings with Fixed Deposits: A Comprehensive Guide to Interest Rates and Calculators Fixed deposits (FDs) are a secure investment choice in India, offering guaranteed returns that make them ideal for low-risk investors. Interest rates on FDs vary depending on factors like the Reserve Bank of India’s policies, economic conditions, bank stability, and deposit tenure. Smaller banks and NBFCs often provide higher rates to attract customers, making it essential to compare options across institutions for the best returns. To optimize FD investments, using an FD interest calculator is beneficial. By entering details such as the principal amount, tenure, interest rate, and compounding frequency, investors can quickly estimate returns and compare offerings from various banks. This calculator helps tailor investments to financial goals and maximize earnings efficiently. In addition to seeking the highest rates, investors should consider tax implications, the alignment of the FD tenure with liquidity needs, and senior citizen benefits where applicable. For well-rounded growth, balancing FDs with other investments, like stocks or mutual funds, can diversify returns. In summary, fixed deposits are a valuable option for those prioritizing security and stability. By comparing interest rates, understanding influencing factors, and using an FD calculator, investors can make informed choices that maximize their returns.

5 Best Private Bank Stocks for Long Term Investment! |Five private bank stocks to buy for long term investment by Nirmal Bang – News18 Telugu Click here to read article - https://lnkd.in/dvvnnEXA #NirmalBang #PrivateBankStocks #Latestnews

Earning Interest on Savings: Fixed Deposit Rates in 2024 Fixed deposits (FDs) are a popular investment in India offered by banks and financial institutions. They allow you to deposit money for a fixed period and earn interest. FDs are considered low-risk with guaranteed returns, but interest rates vary depending on factors like bank, tenure, and deposit amount. You can choose to receive interest payouts regularly or reinvest them for higher returns (compounding). FDs are suitable for risk-averse investors or those seeking a safe way to grow savings with predictable returns. #Investment #FinancialPlanning #FD #FixedDeposit #SafeInvestment #GrowYourSavings #SecureMyFuture #FDInterestRates #TaxBenefits https://bit.ly/44AoRR4

Looking to beat fixed deposit returns? Here’s what investors can consider instead of FDs – Times of India

*If banks don't get funds, as savings or deposits, they can't give out funds, as loans.* Banks are facing serious challenges as Depositors are shifting to alternative investment avenues as Banks offer 6-7% return with penalty for early withdrawal. Bank depositors are shifting to alternative investments, which can offer higher returns and portfolio diversification. Some alternative investments include:  1.      Mutual funds: These funds offer liquidity and expert management, and you can compare them based on risk, return, and price.  2.      Public Provident Fund (PPF): This government-backed investment is considered one of the safest in India with Interest being tax free.  3.      Private equity: These real estate investments can help diversify a portfolio and reduce risk.  4.      Stocks-direct or through PMS: These represent a share of ownership in a company, and can be a good investment for long-term investors. However, they are market-linked and there is a risk of capital loss.  5.      Corporate fixed deposits: These are offered by non-banking financial companies (NBFCs) and companies, and offer slightly higher returns than bank FDs.  6.      Debt funds: These have emerged as an alternative to bank FDs, and offer better returns and tax benefits.  7.      Hedge funds: These use pooled capital to make investments in liquid assets.  8.      National Savings Certificate (NSC): This post office savings product is backed by the government of India, and offers guaranteed interest.  Gold ETFs: These offer a lucrative annual return of around 20%

Fixed deposits (FDs) offer a secure avenue for investment, particularly favored by risk-averse individuals and senior citizens. StockGro #IndiaForFinancialLiteracy #BFFMovement #BeFinanciallyFreeMovement #BharatFinancialFreedomMovement #financialfreedom #financialindependence #financialliteracy

Looking to beat fixed deposit returns? Here’s what investors can consider instead of FDs – Times of India

Media Mention! I recently had the opportunity to share my thoughts on fixed deposits (FDs) and bonds as investment options for risk-averse individuals. The online article published in Financial Express (India) by Mithilesh Jha highlights the key differences between these two instruments, including interest rates, credit quality, and risk levels. As I mentioned in the article, bank FDs offer guaranteed returns and deposit insurance, making them an ideal choice for investors prioritising capital preservation. Bonds, on the other hand, can offer higher returns over time and have become more accessible to retail investors due to recent regulatory changes. The choice between FDs and bonds ultimately depends on your individual financial goals and risk tolerance. Before making any investment decision, it's crucial to conduct thorough research and understand the nuances of each instrument. I encourage you to read the full article here: https://lnkd.in/gZ4Dc4kP Let me know your thoughts on the comparison between FDs and bonds. What factors do you consider when choosing between these investment options? #india #fixeddeposits #bonds #investing #personalfinance #financialplanning