Top 5 FD Strategies
- Laddering: Split investments across tenures
- Bank Hopping: Chase higher rates every 3-6 months
- Senior Rates: Even non-seniors can gift FDs to parents
- Tax Optimization: Use Section 80C FDs
- Flexi FDs: Combine with savings accounts
Advanced Tip: Bank Rotation
Open FDs with banks offering seasonal rates (e.g., festive offers up to 7.8%). Use our FD Calculator to compare.