savings rate
TRANSCRIPT
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8/3/2019 Savings Rate
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8/3/2019 Savings Rate
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Rs.1 lac)
Yes Bank 6.00% 6.00% 26/10/2011
Kotak Mahindera Bank 5.50% 6.00% 01/11/2011
IndusInd Bank 5.50% 6.00% 01/11/2011
The Ratnakar Bank 5.50% 5.50% 01/11/2011
Click Here for : Highest FD Rates of Banks in India
What are the guidelines issued by RBI for banks at the time of de-regulation of Saving
Fund Interests :
On 25th October, 2011, RBI issued the following guidelines for the banks :
All Scheduled Commercial Banks
(Excluding RRBs)
Dear Sir/Madam,
Deregulation of Savings Bank Deposit Interest Rate - Guidelines
1. Please refer to our Directive DBOD.Dir.BC.89/13.03.00/2010-11 dated May 3, 2011.
2. As indicated in the Second Quarter Review of Monetary Policy announced on October 25, 2011, it has been
decided to deregulate the savings bank deposit interest rate with immediate effect. Accordingly, the followingGuidelines will be effective from October 25, 2011:
Banks are free to determine their savings bank deposit interest rate, subject to the following two conditions
First, each bank will have to offer a uniform interest rate on savings bank deposits up to Rs.1 lakh,irrespective of the amount in the account within this limit.
Second, for savings bank deposits over Rs.1 lakh, a bank may provide differential rates of interest, if it so
chooses, subject to the condition that banks will not discriminate in the matter of interest paid on suchdeposits, between one deposit and another of similar amount, accepted on the same date, at any of itsoffices.
3. The above revised Guidelines would be applicable to savings bank deposits of resident Indians only.
4. Interest rate on Non-Resident (External) Accounts Scheme and Ordinary Non-Resident Deposit under savings
http://www.allbankingsolutions.com/DEPSUB1.htmhttp://www.allbankingsolutions.com/DEPSUB1.htmhttp://www.allbankingsolutions.com/DEPSUB1.htm -
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account, which has been prescribed at 4 per cent per annum at present, will continue to be regulated until further
review.
5. An amending directive DBOD.Dir.BC.41/13.03.00/2011-12 dated October 25, 2011 is enclosed.
Deregulation of Savings Bank Deposit Interest Rate
In exercise of the powers conferred by Section 35A of the Banking Regulation Act, 1949 and in partial
modification of its directive DBOD.Dir.BC.No.89/13.03.00/2010-11 dated May 3, 2011, the Reserve Bank of Indibeing satisfied that it is necessary and expedient in the public interest so to do, hereby directs that banks are free to
determine their savings bank deposit interest rate for resident Indians only with immediate effect subject to two
conditions. First, each bank will have to offer a uniform interest rate on savings bank deposits up to Rs.1 lakh,
irrespective of the amount in the account within this limit. Second, for savings bank deposits over Rs.1 lakh, a banmay provide differential rates of interest, if it so chooses, subject to the condition that banks will not discriminate
the matter of interest paid on such deposits, between one deposit and another of similar amount, accepted on the
same date, at any of its offices.
Link for below:- http://www.allbankingsolutions.com/DEPSUB1.htm
COMPARE FIXED DEPOSIT INTEREST RATES PAID BY BANKS IN
INDIA
COMPARISON OF FIXED DEPOSIT INTEREST RATES BY INDIAN BANKS - 2011
(Check Highest Rate of Interest Paid by Banks in India / Maximum Rate of Interest Paid by Indian Banks. Best Fixed Deposit Rates by Banks)
Which Banks Pay the Highest Rate of Interest on Fixed Deposits in 2011 ? Best Rate of Interest on Fixed
Deposits in India in 2011 ? Comparative Bank Rates in India. Latest Deposit Rates of Banks in India 2011
We give below the Highest Rate of Interest or the maximum rate of interest on Fixed
Deposits in certain buckets offered by banks in India in 2011 (in the first week of
November, 2011) :-
Name of the BankPeriod of fixed Deposit
Rate of
Interest (%)
Lakshmi Vilas Bank (LVB) 1 year to less than 2 years 10.50
http://www.allbankingsolutions.com/Banking-Tutor/Highest-Interest-on-Saving-Fund-Accounts.shtml#Lhttp://www.lvbank.com/InterestChart.aspxhttp://www.lvbank.com/InterestChart.aspxhttp://www.lvbank.com/InterestChart.aspxhttp://www.allbankingsolutions.com/Banking-Tutor/Highest-Interest-on-Saving-Fund-Accounts.shtml#L -
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Name of the BankPeriod of fixed Deposit
Rate of
Interest (%)
City Union Bank (CUB) 1 year to less than 2 years 10.25
Tamilnad Mercantile Bank
(TMB) 1 yr to 2 yrs 10.25
Catholic Syrian Bank Above 15 months to less than
27 months10.10
South Indian Bank 300 days 10.00
Dhanalakshmi Bank 300 days 10.00
Tamilnad Mercantile Bank
(TMB)5 years-10 years 10.00
State Bank of Travancore 500 days 10.00
City Union Bank (CUB) 2 years to less than 3 years 10.00
Catholic Syrian Bank 375 days to less than 15
months9.90
PS ; In addition to above rate of interest, most of the banks offer upto 0.5% extra to senior
citizens
The above chart only gives a rough idea as to which banks are offering highest rate of
interest in a particular bucket on a particular date. The above banks may not be offering
the best rate of interest on fixed deposits in all other buckets / periods.
CLICK HERE FOR FIXED DEPOSIT CALCULATOR
Comparing rate of interests of banks in India for last few years indicate that they have been quite
volatile. In 2010, the rate of interest started again going up as banks were short of funds. In the
early 2011, these have further hardened. There has been very frequent changes by not only
foreign banks but also by Public Sector Banks and it becomes extremely difficult to keepupdated data as most banks do not inform the media about the changes, and some even do
not update their websites promptly. Moreover, now a days there are no standard bucketsacross all banks. Some banks are offering very high rate of interest for a particular segments
based on some odd days (e.g. 333 days, 400 days; 555 days; 1111 days etc. etc.) It becomes all
the more difficult to compare such rates in a single chart. Therefore, for the time being, we have
withdrawn the comparative charts of fixed deposits across all maturities. After increase in reporates in last week of July, 2011, some banks have again increased rate of interest from 1st
http://www.cityunionbank.com/english/deposit.aspxhttp://www.cityunionbank.com/english/deposit.aspxhttp://www.tmb.in/http://www.tmb.in/http://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.southindianbank.com/interestRate/interestRateList.aspxhttp://www.dhanbank.com/header/interest_rates.aspxhttp://www.dhanbank.com/header/interest_rates.aspxhttp://www.statebankoftravancore.com/interests.htmhttp://www.cityunionbank.com/english/deposit.aspxhttp://www.cityunionbank.com/english/deposit.aspxhttp://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.allbankingsolutions.com/fdcal.htmhttp://www.allbankingsolutions.com/fdcal.htmhttp://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.cityunionbank.com/english/deposit.aspxhttp://www.statebankoftravancore.com/interests.htmhttp://www.dhanbank.com/header/interest_rates.aspxhttp://www.southindianbank.com/interestRate/interestRateList.aspxhttp://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.tmb.in/http://www.tmb.in/http://www.cityunionbank.com/english/deposit.aspx -
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August, 2011 onwards. Therefore, it is advised to check up with the respective Bank before
final decision is taken up for deposits. To make the life a bit easier for you, we give below thelinks for some major banks which will take you directly to the relevant page of interest rates of
that bank.
Click Here to know : Highest Rate of Interest on Saving Fund Accounts
DIRECT LINKS FOR FIXED DEPOSIT RATES FOR MAJOR BANKS
S.No. Name of the Bank
1Allahabad Bank
2Andhra Bank
3Axis Bank
4Bank of Baroda5Bank of India
6Bank of Maharashtra
7Canara Bank
8Catholic Syrian Bank
9Corporation Bank
10Central Bank of India
11City Union Bank
12Dena Bank
13Dhanalakshmi Bank
14Federal Bank
15HDFC Bank
16ICICI Bank
17IDBI Bank
18Indian Bank
19Indian Overseas Bank
20Indus Ind Bank
21Indian Bank
22Indian Overseas Bank23ING Vysya Bank
24J&K Bank
25Karnataka Bank
26Karur Vysya Bank
27Kotak Bank
http://www.allbankingsolutions.com/Banking-Tutor/Highest-Interest-on-Saving-Fund-Accounts.shtmlhttp://www.allbankingsolutions.com/Banking-Tutor/Highest-Interest-on-Saving-Fund-Accounts.shtmlhttp://www.allahabadbank.com/depositschemes.asphttp://www.allahabadbank.com/depositschemes.asphttp://andhrabank.in/english/InterestDeposits.aspxhttp://andhrabank.in/english/InterestDeposits.aspxhttp://www.axisbank.com/personal/interestrates/domesticdepositrates/Domestic-Deposit-Rates.asphttp://www.axisbank.com/personal/interestrates/domesticdepositrates/Domestic-Deposit-Rates.asphttp://www.bankofbaroda.com/interest.asphttp://www.bankofbaroda.com/interest.asphttp://www.bankofindia.com/rupeetermdeposit.aspxhttp://www.bankofindia.com/rupeetermdeposit.aspxhttp://www.bankofmaharashtra.in/int_chart.asphttp://www.bankofmaharashtra.in/int_chart.asphttp://www.canarabank.com/english/Scripts/DepositAccounts.aspxhttp://www.canarabank.com/english/Scripts/DepositAccounts.aspxhttp://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.corpbank.com/asp/0100text.asp?presentID=60http://www.corpbank.com/asp/0100text.asp?presentID=60https://www.centralbankofindia.co.in/site/Interest.aspxhttps://www.centralbankofindia.co.in/site/Interest.aspxhttps://www.centralbankofindia.co.in/site/Interest.aspxhttp://www.cityunionbank.com/english/deposit.aspxhttp://www.cityunionbank.com/english/deposit.aspxhttp://www.denabank.com/viewsection.jsp?id=0,3,21,125http://www.denabank.com/viewsection.jsp?id=0,3,21,125http://www.dhanbank.com/header/interest_rates.aspxhttp://www.dhanbank.com/header/interest_rates.aspxhttp://www.dhanbank.com/header/interest_rates.aspxhttp://www.federal-bank.com/General_RatesandCharges_ServiceChargesandFees.aspx?type=hhttp://www.federal-bank.com/General_RatesandCharges_ServiceChargesandFees.aspx?type=hhttp://www.hdfcbank.com/personal/accounts/fixed_deposits/regular_fixed_deposit/regular_fd_interest.htmhttp://www.hdfcbank.com/personal/accounts/fixed_deposits/regular_fixed_deposit/regular_fd_interest.htmhttp://www.icicibank.com/pfsuser/interestrates/interestrates.htm#pleasehttp://www.icicibank.com/pfsuser/interestrates/interestrates.htm#pleasehttp://www.idbi.com/Interest_Rate.asphttp://www.idbi.com/Interest_Rate.asphttp://www.indianbank.in/rate_deposit.phphttp://www.indianbank.in/rate_deposit.phphttp://www.iob.in/Rates_at_a_glance.aspxhttp://www.iob.in/Rates_at_a_glance.aspxhttp://www.indusind.com/indusind/wcms/en/home/rates/term-deposit-rates/index.htmlhttp://www.indusind.com/indusind/wcms/en/home/rates/term-deposit-rates/index.htmlhttp://www.indian-bank.com/rate_deposit.phphttp://www.indian-bank.com/rate_deposit.phphttp://www.iob.in/Rates_at_a_glance.aspxhttp://www.iob.in/Rates_at_a_glance.aspxhttp://www.ingvysyabank.com/scripts/interest.aspxhttp://www.ingvysyabank.com/scripts/interest.aspxhttp://www.jkbank.net/intRates.phphttp://www.jkbank.net/intRates.phphttp://www.karnatakabank.com/ktk/InterestChartTD.jsphttp://www.karnatakabank.com/ktk/InterestChartTD.jsphttp://www.kvb.co.in/global/resident_domestic_deposits.htmlhttp://www.kvb.co.in/global/resident_domestic_deposits.htmlhttp://www.kotak.com/bank/personal-banking/deposits/term-deposits/interest-rates-for-term-deposits.htmlhttp://www.kotak.com/bank/personal-banking/deposits/term-deposits/interest-rates-for-term-deposits.htmlhttp://www.kotak.com/bank/personal-banking/deposits/term-deposits/interest-rates-for-term-deposits.htmlhttp://www.kvb.co.in/global/resident_domestic_deposits.htmlhttp://www.karnatakabank.com/ktk/InterestChartTD.jsphttp://www.jkbank.net/intRates.phphttp://www.ingvysyabank.com/scripts/interest.aspxhttp://www.iob.in/Rates_at_a_glance.aspxhttp://www.indian-bank.com/rate_deposit.phphttp://www.indusind.com/indusind/wcms/en/home/rates/term-deposit-rates/index.htmlhttp://www.iob.in/Rates_at_a_glance.aspxhttp://www.indianbank.in/rate_deposit.phphttp://www.idbi.com/Interest_Rate.asphttp://www.icicibank.com/pfsuser/interestrates/interestrates.htm#pleasehttp://www.hdfcbank.com/personal/accounts/fixed_deposits/regular_fixed_deposit/regular_fd_interest.htmhttp://www.federal-bank.com/General_RatesandCharges_ServiceChargesandFees.aspx?type=hhttp://www.dhanbank.com/header/interest_rates.aspxhttp://www.denabank.com/viewsection.jsp?id=0,3,21,125http://www.cityunionbank.com/english/deposit.aspxhttps://www.centralbankofindia.co.in/site/Interest.aspxhttp://www.corpbank.com/asp/0100text.asp?presentID=60http://www.csb.co.in/asp/0100text.asp?pageId=43&headId=18http://www.canarabank.com/english/Scripts/DepositAccounts.aspxhttp://www.bankofmaharashtra.in/int_chart.asphttp://www.bankofindia.com/rupeetermdeposit.aspxhttp://www.bankofbaroda.com/interest.asphttp://www.axisbank.com/personal/interestrates/domesticdepositrates/Domestic-Deposit-Rates.asphttp://andhrabank.in/english/InterestDeposits.aspxhttp://www.allahabadbank.com/depositschemes.asphttp://www.allbankingsolutions.com/Banking-Tutor/Highest-Interest-on-Saving-Fund-Accounts.shtml 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28Lakshmi Vilas Bank
29Oriental Bank of Commerce
30Punjab National Bank
31Punjab and Sind Bank
32South Indian Bank33State Bank of Bikaner and Jaipur
34State Bank of Hyderabad
35State Bank of India
36State Bank of Patiala
37State Bank of Travancore
38Syndicate Bank
39Tamilnad Mercantile Bank Ltd
40The Ratnakar Bank
41UCO Bank42Union Bank of India
43Vijaya Bank
Foreign Banks
S No Name of the Bank
1 Abu Dhabi Commercial Bank
2 Bank of Ceylon
3 Citi Bank
4 China Trust Commercial Bank
5 Deutsche Bank
6 HSBC Bank
7 Standard Chartered Bank
8 Scotia Bank
9 Royal Bank of Scotland
http://www.moneycontrol.com/news/economy/savings-rate-freed-how-does-it-affect-
youyour-bank_612005.html
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1
Saikat Das
Moneycontrol.com
Immediately after the Reserve Bank of India (RBI) de-regulated savings rate,
private sector lenderYes Bankwas the first one to hike its savings deposit rateby 200 basis points to 6%.
Peers Kotak Mahindra BankandIndusInd Bankjoined the bandwagon in the
next two days.
So, are you planning to shift your savings account?
Consider this:
No doubt de-regulation of savings rate will earn you some extra bucks on
account of interest rates. However, you need to take care of some other factorsas well. Prior to the de-regulation, banks across the board, were offering uniform
4% (p.a) rate of interest on savings deposits.
A little higher rate of interest does not necessarily prompt a shift, said BrijeshDamodaran, founder of Zeus Wealthways, a financial advisory firm.
Breaking a long standing relation with your existing bank is not easy. Over a
period of time, you enjoy a lot of comfort level in dealing with your bank
officials. You also get accustomed withbanks way of operations. Unless youhave huge balance, maybe over and
above Rs 10 lakh, it does not make senseto shift your savings account to a new
bank offering higher rate of interest.
A greater savings account balance will
fetch a depositor higher interest income.
In personal finance parlance, savings
account money is termed as idle money.
Ideally, savers should keep money equalto their 3-6 months expenditure, in their
savings accounts.
Clients normally do not change their
savings bank account only on higherrate. There are many other factors that
help in customer retention. Those are
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8/3/2019 Savings Rate
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loyalty, customer service and comfort level in dealing with the banks officials. We are not
jumping into rate hikes like some of the banks have done, said Abraham Chacko, executivedirector,Federal Bank, a private sector lender.
If a depositor is having multiple transaction links with his existing bank, a shift of savings bank
account is not advisable. For example, if your demat account is liked to your savings and achange to a new bank will add to inconvenience. You may end up paying more transaction costs
as well.
What if, you are a new customer?
There is no rationality for shifting your savings account on higher interest rate, said Sumeet
Vaid, CEO and founder, Freedom Financial Planners.
You have to see the convenience of banking in a particular bank. If a bank offers good service
facilities, a new customer should go for it instead of looking at minimal rise in savings rate.There has to be a fine line between savings and investment. Do not expect good returns not from
savings, but from your investment.
Banks perspective
Banks especially the smaller ones with lower share of current account and savings account (to
total deposits) tend to plunge into rate hike war to grab market share. Yes Banks CASA ratiostood at just 11% with CASA base at Rs 4,839 crore out of total deposits of Rs 44,076 crore.
Big banks may not hike rates soon as they have higher share of CASA, which will lead to
increase in cost of borrowings.
A 100 basis point rise in savings deposit rate would put a margin pressure of 22-25 basis points.
If we go for a savings rate hike, we have to either bring down bulk deposit rates or hike lending
rates to off-set the margin impact, M Narendra, CMD, India Overseas Bank toldMoneycontrol.com.
Does de-regulation mean only upward revision of rates?
Certainly not! Global experience shows, savings rates have actually come down after de-regulations. Here in India too, rates can come down.
Banks Savings Rate (%)
Yes Bank 6
Kotak Mahindra Bank 6
IndusInd Bank 5.5 - 6
http://www.moneycontrol.com/india/stockpricequote/banks-private-sector/federal-bank/FBhttp://www.moneycontrol.com/india/stockpricequote/banks-private-sector/federal-bank/FBhttp://www.moneycontrol.com/india/stockpricequote/banks-private-sector/federal-bank/FBhttp://www.moneycontrol.com/india/stockpricequote/banks-private-sector/federal-bank/FB -
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There could be downward revision of savings rate as well.Accounts with less than Rs 1 lakh
balance, are seen more of transaction accounts while accounts with more than Rs 1 lakh will be
viewed as fixed deposits. In case of the former, rates may come down said Ananda Bhoumik,senior director, Fitch Ratings.
http://www.hindustantimes.com/News-Feed/BusinessBankingInsurance/Savings-rate-deregulation-what-to-do/Article1-767875.aspx
Savings rate deregulation: what to do
Lisa Pallavi Barbora & Kayezad E Adajania, Hindustan Times
November 11, 2011
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First Published: 20:22 IST(11/11/2011)
Last Updated: 22:46 IST(11/11/2011)
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Your bank balance is about to get a boost. Effective 25 October, the Reserve Bank of India (RBI)
deregulated the savings bank account interest rate. In simple words, every bank is free to fix the interest
rate it wants to pay on savings account deposits, compared with the standard 4% that they
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8/3/2019 Savings Rate
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were mandated to pay till now.
Soon after the deregulation announcement, three private banks raised savings account interestrate to 6% per annum for balances above R1 lakh and 5.5% for deposits less than Rs 1 lakh.
The RBI has told banks to pay a uniform rate to all customers having savings account balance ofup to Rs 1 lakh. For balances above Rs 1 lakh, banks are free to choose interest rate bands.
What this means for you
Many financial experts believe that its unlikely that customers would switch banks anytimesoon, purely on account of higher interest rate. Moreover, if you have a salary account or your
bank account gets debited every month towards your loan commitments or even for utility bills
such as electricity or telephone bills, changing a bank account can get tedious. Also, the average
Indian consumer has till now shown little interest in moving funds from one bank to another.
This could be on account of long-standing relationships or simply the lack of any real need to doso. High networth individuals anyway move surpluses to liquid funds, said Pawan Joseph,vice-president, Motilal Oswal Wealth Management. In the case of retail customers who are not
conscious about wealth management, a very small amount will shift. Moreover, the relationship
with the bank and tied-in financial transactions are difficult to change.
However, not everyone agrees. If other services are the same, customers will consider the
benefit of higher savings rate, said KVS Manian, president-consumer banking, Kotak Mahindra
Bank.
Lets calculate how much a 150 basis points (one basis point is one-hundredth of a percentage
point) hike in savings rate means for a Rs 50,000 balance. In a year it amounts to an additionalinterest of Rs 750, or Rs 63 more per month, before tax. If your bank hikes savings rate by 100
bps compared with 200 bps by another bank, and you switch banks, then you stand to earn onlyR83 more every month for a bank balance of Rs 1 lakh. Not a large incentive to move your
account, youd say.
Do they match liquid MFs?
Rising interest rates for the past two years have meant that your liquid funds returns have beenattractive. Between June 2011 and now, liquid and ultra short-term funds have offered about 7-
7.5% return per annum. Further, dividends in liquid funds and ultra short-term funds are taxed at
27% and 13.5% respectively, compared with 30.9% at which your savings bank account interestis taxed, assuming you are in the highest tax bracket. A back of the envelope calculation shows
that investments in liquid and ultra short-term funds would outperform saving bank interest rate
if you are in the highest tax bracket.
Should you, then, continue with your systematic transfer plan (STP; putting a lump sum in liquid
or ultra short-term fund and then switch systematically to an equity fund)? Its a smarter
strategy to remain with a liquid fund and do STP in an equity fund, said Puneet Pal, senior vice-
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president and fund manager, debt, UTI Asset Management. Putting money in liquid funds give
higher returns to investors compared with putting money in bank savings. Its easier also.
Select banks join race
Not all banks have raised rates. Banks that have raised rates such as Yes Bank, Kotak MahindraBank and IndusInd Bank, have relatively fewer savings accounts and hence, may be looking to
attract customers who are getting lower interest rates. If and when other banks will follow is yetto be seen.
This is a good reform, but it will take time to play out, said Pathik Gandotra, head, equities,
IDFC Securities. Public sector banks are unlikely to raise rates as there is no reason or scope to
do so.
Large public banks have said that they arent in a hurry to raise rates. For State Bank of India,which has the largest deposit base, a 100 bps increase in savings rate can potentially increase
their annual interest expense (for the rest of the fiscal) by 4-5% or Rs 1,400-1,500 crore.
This can translate to a 15 bps or so reduction in net interest margin (NIM), if loan rates dont
rise. For a bank, NIM is essentially the difference between the total interest earned and totalinterest paid as a percentage of total assets and it shows the average margin a bank makes by
borrowing and lending funds.
While this reduction may not be significant in itself, given the difficult economic environment, it
will pinch the large banks. Even for private banks such as ICICI Bank Ltd and HDFC Bank with
large deposit base, the effect on annual interest expense (for the rest of the fiscal) can potentiallybe between 3% to 5% increase.
Passing cost to customers
It's a given that banks that raise savings rate and incur additional costs are unlikely to absorb it
and will pass it on to consumers. Banks paying higher rates will offer minimal benefits while lowsavings rate bank accounts might offer more benefits, experts said.
What this means is that if you are getting 6% interest on your saving account, keep an eye out for
the need to maintain a higher minimum balance, higher charges for cheque books, outstationcheque clearances, inter-bank transfers and so on. If banks are forced to raise rates there are
going to be charges for everything, said Gandotra. Cost of service will go up as large banks
will try to match each other. This hike (in savings rate) is not going to lower profit.
What should you do?
Dont be perturbed when you see your bank offering a 150-200 bps lower return on your savings
account. If you have to open a new account then dont take only the savings account rate intoconsideration, but look at the services it offers and charges.
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Also, remember that a deregulated saving account rate means that if rates can be higher now they
can potentially be lower in a different market environment. Just like fixed deposit rates move upand down depending on policy rate, the savings rate will also adjust.
We suggest you stick to your liquid and ultra short-term funds to park your surplus cash. At the
same time, a deregulated savings rate should spice up your savings bank account.
more from this section
Bad loans of Indian banks rise 33% in Q2 to over Rs 1 lakh cr
Experts to prescribe financial products?
Small saving schemes to earn you higher returns
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8/3/2019 Savings Rate
15/19
Drudge_Report Chelsea Clinton to Report for NBC... drudge.tw/v2egB5 reply retweetfavorite
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AP More on Norway: Man charged in massacre held for 12 more weeks, but court is graduallylifting restrictions: apne.ws/nF6GQ8 -EF reply retweet favorite
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Drudge_Report PELOSI: I'M NOT CORRUPT... drudge.tw/tZzxOh reply retweet favorite
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8/3/2019 Savings Rate
16/19
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