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Press ReleaseMonthly Archives: September 2026
Summary A certificate of deposit and a fixed deposit are both popular debt instruments that offer assured returns for a specified tenure. Certificates of Deposit, which are controlled by the RBI, have a maximum investment period of 12 months and offer a comparatively higher rate of interest. Fixed deposits are known for their flexibility in…
Summary UPI remains free for customers for most everyday transactions, including person-to-person (P2P) transfers and merchant payments up to ₹2,000. Post Diwali 2026, a 0.4% MDR applies to certain merchant transactions above ₹2,000, with a maximum cap of ₹300 per transaction. The MDR framework primarily affects the merchant payment ecosystem and is not a direct…
Summary Sweep-In/Sweep-Out facility links a savings account with a fixed deposit. Senior citizens can earn FD interest rates on surplus balances and the auto-reverse sweep facility provides seamless access to funds when required. Senior citizens may be eligible for preferential FD interest rates offered by banks. It is suitable for retirees seeking both accessibility and…
Summary A savings account makes it easy to deposit and manage your money, but cash deposits are subject to certain banking and regulatory guidelines. Understanding these limits can help you manage large cash transactions smoothly and avoid compliance-related issues. Banks impose cash deposit limits on savings accounts as per RBI regulations. These limits are designed…
Summary A secured credit card is issued against a fixed deposit, making it easier to obtain with little or no credit history. An unsecured card needs no deposit, but approval depends more heavily on income, employment and credit score. A secured card is useful for building credit; an unsecured card generally offers better rewards and…
