Posts in Category: saving schemes



Liquid funds versus Savings accounts

One of the important questions i typically get when I advise our customers on financial planning is should I move my money from savings account to Liquid funds, this blog post attempts to answer this question, before we answer this question lets try to understand why do people keep money in savings account , for me there are 3 reasons

  1. To ensure liquidity , so that money can be used whenever required.
  2.  Get some returns as money

    Read More


5 Reasons you should not invest in Fixed Deposits

Fixed Deposit

Fixed Deposits or their close cousin RD’s ( Recuring deposits) are the most popular saving instrument in India.According to RBI,Indians invested approximately Rs 6800 Billion in fixed or bank deposits that means more than 55 %  household savings are invested in Bank deposits.

While Fixed deposits are popular because of risk-free nature of the asset and

Read More


How Indians Save

Definition Savings

Personal Savings : Whatever you earn you can either  consume all or chose to not , part of your earnings you chose not to consume is called Personal Savings, you can chose to keep your savings in bank account or invest it in Real estate, bonds,shares, Mutual funds or other financial instruments

National Savings : National savings is the sum of personal savings and  the corporate savings, which is the profits which corporates do not

Read More