RR Finance Blog

  Fixed deposits remain indispensable for risk-averse investors. By comparing bank and NBFC rates , choosing the right tenure, and leveraging compounding, one can secure steady returns. Whether it’s SBI’s stability, Bajaj Finance’s high returns, or tax-saving schemes, there is an FD for every financial goal. Investors should align FD selection with their liquidity needs and overall financial portfolio. For maximum benefit, it is wise to diversify across banks and NBFCs, ensuring both safety and higher yields. In 2025, with FD interest rates touching record highs , the time is opportune to lock in attractive rates for the future. Why Fixed Deposits Remain a Timeless Choice Fixed deposits are woven into the fabric of Indian savings culture. They provide stability, predictable income, and flexible tenure, making them suitable for salaried individuals, retirees, and even NRIs.   How Fixed Deposits Function An FD involves depositing a lump sum with a bank or NBFC for a s...

  RBI Floating Rate Savings Bonds  2020 (Taxable), also known as the GOI Bonds , currently offer a taxable interest rate of 8.05% (till 31st Dec 2025) over a seven-year term. They are called floating-rate bonds because the interest rate on these bonds is linked to the NSC rate. In accordance with the scheme guidelines issued on June 26, 2020, these floating rate bonds will continue to earn 0.35% higher ROI than the prevailing NSC rate. The coupon/interest rate on these bonds is subject to change every six months, on January 1 and July 1, if NSC's ROI changes. Historical Evolution of RBI Bonds in India For many years, government-backed savings instruments have been available, giving everyday citizens a way to invest in the nation’s progress. In the past, options like RBI Relief Bonds and 8.05% Savings Bonds were quite popular. The launch of floating-rate bonds represented a significant change, allowing investors to benefit from interest rates that move with the ec...

  Why Indians Are Choosing Mutual Funds These days, more and more Indians are embracing mutual funds and SIPs (Systematic Investment Plans) because they tend to provide better returns compared to traditional savings options like fixed deposits or recurring deposits. Thanks to increasing financial literacy and the rise of digital apps, investing has become easier, faster, and more transparent than ever. What is a Mutual Fund? A mutual fund collects money from many investors and invests it in different places — like shares, bonds, or government securities. This helps you earn good returns without needing expert knowledge. Your money is managed by a professional fund manager who studies the market and decides where to invest. This way, you benefit from their experience. How Does a Mutual Fund Work? When you invest in a mutual fund, you get units based on the amount you invest. The price of these units is called NAV (Net Asset Value) . If the fund performs well, your N...