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The High-yield Fixed Deposit Schemes In India

By Expert Author: Aishwarya Mahurkar

Most investors love the high yield fixed deposit schemes in India . But, the more pertinent question is, “Is it appropriate for you?” Everyone may want to enjoy higher returns, but how many people understand the implications holistically to choose the best investments for the same. So, in the sphere of fixed deposits in India, the high yield fixed deposit schemes are company FDs and cooperative bank FDs. Nationalized bank FDs, though, most familiar ones, are the low return FDs due to their considerably lower interest rates.

Company fixed deposits:

These organizations mostly offer higher interest than the traditional fixed deposit accounts for a reason. For most organizations, it is much cheaper than taking business loan from the nationalized, private or cooperative banks to further their business. So, you as an investor can get higher interest for taking higher risk and the organizations get funds at lower interest rates. So, if you take their CRISIL or BRICKWORKS rating into account, it will allow you to invest into secure and dependable organizations with a high yield. This is a perfect finance solution for the young executives or investors with a high risk appetite.

Cooperative bank FDs:

Though their interest rates are as competitive as the company fixed deposits, the risk is typically different. There are several small and cooperative banks that offer additional interest than nationalized banks as these organizations are a bit more financially unstable. Therefore, their investment mistakes are far more expensive. While all cooperative banks cannot be treated as the same in financial terms, you much check into the organization before opting for a fixed deposit account with them. This is a suitable solution for people who seek to invest conveniently into high return financial products.

Kisan Vikas Patra:

This is a governmental scheme that doubles your fixed deposit amount in approximately 8 years and 7 months. As the recent governmental budget has reopened it, it is a great choice available for the investors, who wish to make a safe and reliable investment. Since it is a governmental scheme, the primary risk is not in the fiscal loss; however, the consistency of this scheme is a big question since it is at the risk of being shut down. However, if it remains operational, it is a great choice among the fixed deposit schemes in India.

If these schemes do not interest you, you will need to opt for the standard low-yield FDs like the nationalized or private bank FDs. Though they offer lower interest rates, they are secure and reliable.

Author Bio :

An experienced writer on finance topics, the author articulates of investment choices such as fixed deposit schemes in India & recurring deposit schemes. She writes about a variety of topics including the benefits of recurring & opting for a fixed deposit account and how to make the right investment choice.

Total Views : 67Word Count Appx. : 481See All articles From Author

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