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Press ReleaseYearly Archives: 2026
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…
Summary A credit freeze restricts lenders from accessing your credit report, making it harder for someone to open new credit in your name. A credit lock serves a similar purpose but is usually controlled more quickly through an app or online service. Neither option closes your existing cards or stops you from paying their bills….
Summary Credit utilisation shows how much of your available card limit you are using. If your total limit is ₹1 lakh and your balance is ₹30,000, your utilisation is 30%. Staying below 30% is generally considered healthy, while regularly using 70–90% can make you appear heavily dependent on credit. Using a credit card responsibly goes…
