Friday 16 August 2013

Is Fix Deposit Safe Or Not

To handle the falling bucks Reserve Bank liquidity in the system due to steps taken by the banks in this situation is. There is no substitute for cash to get. so he needs to fixed deposit interest rates, start trying to attract investors.

Year 2012 ten thousand per gram level 33 the touch gold nowadays around 27-28 thousand bucks up-down. the condition of the stock market is not correct. NSE nifty has around 5,500 level, inclement recent stock market. as a result of the bad performance of equity mutual funds there is also quite a half years expert real estate downturn. the RBI Chair Professor at the screen before. For the first time in many years by bank rate increased up to date instruments but also returns the debentures or wane. in the name of all asset class returns mouth when bichke are, investors may prove a better option FD. of course, if the stock market is expected to stay in the cache now returns.

FD option:

The order of the options does not end here. in addition to the Government and private banks fixed deposit of non-banking financial companies (nbfcs) client and corporate investments in the FD can usually corporate clients under the FD comparatively higher interest rates offer. but note that reduce risks associated. many companies FD investor on maturity of money not back. should investors They invest in corporate before the FD to pay attention to not forget.

Companies under section 58 of the Act the company corporate permission to raise money via the FD, but remember that they are placed in the category of unsecured debt. financial sector peers's view is that if a corporate Bank in much higher interest than the FD FD is provided, it better stay away. If investors want to invest in corporate FD triple-a ratings-corporate Invest in comparatively safe FD.

Totally not safe FD:

Not willing to take that risk informed investors should invest in commercial banks ' FD, because some of them are a bit short but the return even if guaranteed capital returned. Moreover, in the case of the FD of banks, investors by Reserve Bank of India (RBI Chair Professor at) security risk. to say that if the Bank goes bankrupt, the maximum of each investor to the branch by the RBI Chair Professor at a million Made sure to pay RS. no such guarantee on the FD of the nbfcs & corporate.