8 Alternatives To Fixed Deposits

Image: Freepik

1. Debt Mutual Funds

Invest in diversified debt instruments for lower credit risk and inflation-adjusted returns.

White Frame Corner
White Frame Corner

Image: Freepik

2. Corporate Bonds

Debt instruments from companies with fixed interest rates and liquidity through trading.

White Frame Corner
White Frame Corner

Image: Freepik

3. Government Securities

Secure debt instruments with stable returns, ideal for long-term investments.

White Frame Corner
White Frame Corner

Image: Freepik

4. Corporate Fixed Deposits

 Higher interest rates than bank FDs, but without DICGC insurance.

White Frame Corner
White Frame Corner

Image: Freepik

5. Recurring Deposits

Regular monthly deposits with flexible tenure and guaranteed returns.

White Frame Corner
White Frame Corner

Image: Freepik

6. Bharat Bond ETF

ETFs investing in high-rated government bonds with no lock-in period and tax efficiency.

White Frame Corner
White Frame Corner

Image: Freepik

7. National Savings Certificate (NSC)

Stable returns with a 5-year lock-in and tax benefits under Section 80C.

White Frame Corner
White Frame Corner

Image: Freepik

8. Public Provident Fund (PPF)

Long-term investment with tax-free interest and a 15-year lock-in period.

White Frame Corner
White Frame Corner

Image: Freepik

Why Explore Alternatives?

Diversify your portfolio for higher returns and protection against market fluctuations.

White Frame Corner
White Frame Corner

Image: Freepik

Consider Key Factors

Evaluate risk, returns, liquidity, and personal requirements when choosing investment options.

White Frame Corner
White Frame Corner

Image: Freepik