Accounts & deposits guides
7 guides · 37 min of reading · in plain words
- 1
Fixed deposit vs recurring deposit: which is better?
Fixed and recurring deposits both give a guaranteed return, but they suit different situations. Learn how each works and how to choose.
5 min readRead guide → - 2
DICGC deposit insurance: what is covered and how to protect your savings
What DICGC deposit insurance covers in India, what it does not, and how spreading deposits across banks can reduce your risk.
5 min readRead guide → - 3
Small finance bank FDs: higher rates, and the safety question
Why small finance banks often pay higher fixed deposit rates, whether they are safe, what deposit insurance covers, and how to decide.
5 min readRead guide → - 4
FD laddering: a simple strategy for steady returns and easy access
How to build a fixed deposit ladder by splitting money across different maturities, and how it balances returns, liquidity and interest rate changes.
5 min readRead guide → - 5
Savings account vs current account: which do you need?
The key differences between savings and current accounts in India, including interest, limits and charges, and which suits individuals, freelancers and businesses.
5 min readRead guide → - 6
Zero balance accounts: the hidden costs to check
What a zero-balance savings account offers, and the fees and limits worth checking, from debit card charges to free transaction caps.
5 min readRead guide → - 7
Auto-sweep and flexi deposits: earning FD interest on a savings account
How auto-sweep facilities move spare savings into fixed deposits automatically, how money comes back when you need it, a worked example, the costs to check, and who should use one.
7 min readRead guide →
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