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If you're looking for a safe and stable way to grow your money without taking high risks, Fixed Deposit (FD) is one of the best options in India. Whether you're a new investor or planning for retirement, FDs offer guaranteed returns, capital protection, and peace of mind. In this detailed guide, we'll explore what a Fixed Deposit is, how it works, current FD interest rates in 2025, types of FDs, their pros and cons, how to choose the best FD plan, and how it compares to other investment options. 🔹 What is a Fixed Deposit (FD)? A Fixed Deposit (FD) is a financial instrument provided by banks and non-banking financial companies (NBFCs), where you deposit a lump sum amount for a fixed tenure at a predetermined interest rate. The invested amount (principal) remains locked for a selected duration. You earn a fixed interest on this amount. At maturity, you get back the principal plus interest. 🔹 Key Features of Fixed Deposits Feature Description Minimum Deposit ₹1,000 (may ...

  For India's low-risk investments, Public Provident Fund (PPF) and Fixed Deposits (FDs) are two of the investors' top preferences. Both are safe, stable in their returns, and are usually the starting steps for conservative investors. Yet, the decision between the two lies in several aspects, including investment term, tax advantages, liquidity, and your financial objective. Today, we shall compare both PPF and FD extensively in order to guide you on the choice that is best for your investment mode and plans for the future. ✅ What is Public Provident Fund (PPF)? PPF is a long-term saving scheme guaranteed by the government that was started in order to promote small savings with reasonable returns along with income tax benefits. It has a 15-year lock-in period, which is ideal for long-term financial planning for retirement, children's education, or purchasing a house. Issuer: Government of India Interest Rate: Determined by the government on a quarterly basis (currently ~7.1...

If you ever wondered about starting to invest a little each month, then SIP or Systematic Investment Plan could be your best bet. Whether you're an investor starting out or you're simply looking for a disciplined method to increase your wealth, SIP is a convenient and effective way to invest in mutual funds. Here, we'll explain everything you'll ever need to know about SIP in simple words. What is SIP (Systematic Investment Plan)? SIP is an investment strategy for investing in mutual funds where you make a regular, periodic contribution—a monthly, a weekly, or a quarterly contribution—instead of a one-time lumpsum contribution. Rather than attempting to time the market, SIP enables you to make small investments over a period. It develops a culture for disciplined investing and enables you to benefit from the fluctuations in the market through a strategy referred to as Rupee Cost Averaging. SIP = small, regular investments made over a period of time + compounding adv...

  On May 12, 2025 , the Indian stock market witnessed a massive rally. The BSE Sensex jumped 2,975.43 points (3.74%) to close at 82,429.90 , while the NSE Nifty 50 surged 916.70 points (3.82%) to end at 24,924.70 . This was the biggest single-day gain in the past four years, adding around ₹16 lakh crore to investors' wealth. 🔥 Why Did the Market Rise So Sharply? Here are the main reasons behind this strong upward movement: 1. India-Pakistan Ceasefire A major boost came from the surprise ceasefire agreement between India and Pakistan. The agreement eased geopolitical tensions, calming market nerves and attracting fresh buying. 2. US-China Trade Tensions Eased The United States and China reduced tariffs on each other’s goods, signaling improvement in global trade relations. This created a positive global market mood, benefiting Indian stocks too. 3. Strong Sector-Wide Performance The rally wasn’t limited to just large-cap stocks. Here’s how various sectors performed...

  Canara Bank Ltd., one of India's premier public sector banks, has demonstrated commendable growth and strategic initiatives in the fiscal year 2024–25. From a significant stock split to a robust dividend payout and impressive financial performance, the bank has reinforced its commitment to enhancing shareholder value and operational excellence. 🧾 Stock Split: Enhancing Liquidity and Accessibility In February 2024, Canara Bank announced a 5-for-1 stock split, reducing the face value of its shares from ₹10 to ₹2. This move aimed to make the stock more affordable for retail investors and increase liquidity. The stock split was executed on May 15, 2024, with the ex-split date on May 14, 2024 . 💰 Dividend Payout: Rewarding Shareholders Following the stock split, Canara Bank declared a dividend of ₹3.22 per share (post-split) for the financial year 2023–24. This payout reflects the bank's consistent policy of rewarding its shareholders. The dividend was announced on May 8, 2025, ...

  30s Financial Goals Are you in your 30s and feeling the pressure to build wealth? 💰 You're not alone. Many millennials find themselves at a crossroads, balancing career growth, family responsibilities, and financial goals. But here's the good news: your 30s can be the perfect time to lay the foundation for a prosperous future. Imagine waking up each day knowing you're on track to achieve financial freedom. 🌟 No more sleepless nights worrying about bills or retirement. It's possible, and we're here to show you how. In this step-by-step guide, we'll explore six crucial strategies to help you build wealth in your 30s. From maximizing your income potential to protecting your assets, we've got you covered. Ready to take control of your financial destiny? Let's dive into the key areas you need to focus on: boosting your earnings, mastering your budget, making smart investments, tackling debt, safeguarding your wealth, and continu...