FD rate cuts: Hunt for returns but keep liquidity needs, safety in mind
Hello, readers. banks and NBFCs have cut their FD rates. Should you rethink your investment strategy? Will gold touch ₹1 lakh in 2025? What’s the best way to invest in different forms of gold? And what happens to your corporate health insurance after a layoff? We’ll cover all this and more in this newsletter.
Several banks and non-banking financial companies have reduced their fixed-deposit (FD) rates. Conservative investors and retirees, who rely heavily on FDs, need to refine their strategies in a declining rate environment, writes Himali Patel. Read here
FD rate cuts: HDFC, Bandhan, YES Bank revise rates; SBI ends special scheme
Will gold hit Rs 1 lakh in 2025? How to invest in different gold assets
Gold prices in India are on the brink of touching a historic high, with many experts predicting the yellow metal could soon cross the Rs 1 lakh per 10-gram mark. This surge in gold prices comes in the wake of the new tariff regime introduced by US President Donald Trump, which went into effect today, sparking global economic uncertainty, writes Sunainaa Chadha . Read more
Low-volatility index funds, ETFs show lower drawdowns and higher returns
Debt-plus-arbitrage FoFs offer tax edge for moderate-risk investors
The new fund offer of UTI Income Plus Arbitrage Active Fund of Fund (FoF) is currently open. Several fund houses have in recent times converted their pure debt funds into debt plus arbitrage strategies. Sanjay Kumar Singh and Karthik Jerome explain how they work. Read more
Coverage, premium: What happens to corporate health insurance after layoff
Other Reads on Business Standard
Take a look at some of Business Standard's other insightful stories on the new Income Tax, investment tips, property registration, and more:
What is the difference between registration and mutation of property?
How and where to invest Rs 10 lakh today? Value Research breaks it down
Unified Pension Scheme for central govt employees begins: What to know
Can you claim HRA tax exemption for society maintenance charges?
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2moI have a few points to add on these consecutive rate cuts by RBI. 1. A lot of old people are suffering since medicine price has increased significantly. Retail price of medicines like Febuxostat (kidney ailment related) has increased by 10-12%. Pensioners typically depend on FD/ Post Office based savings. How would they cope up with ever lower interest earnings? 2. Food prices have suddenly increased in the last few days of June 2025. For example, retail price of egg has increased by 12-25%. What is the justification of interest rate reduction when inflation has bounced back? 3. Increasingly 40+ employees are shown the door by corporate houses (Ref-: https://economictimes.indiatimes.com/magazines/panache/employees-in-40s-are-now-no-1-layoff-targets-ceo-warns-he-suggest-3-survival-tips/articleshow/120118428.cms?from=mdr) How would 40+ people cope up with increased cost of living? 4. Government provides good-for-nothing healthcare (especially for middle class) in India, yet they charge 18% GST on this. How common man will cope with this health inflation?