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Savings & Banking Guides

Showing 24 research guides and 30 interactive planning models in this category.

In-Depth Research Guides

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Savings & Banking

FD & RD Calculator (2026) — Fixed vs. Recurring Deposit Compounding & ₹ Proof

Calculate maturity amounts and interest yields for Fixed Deposits (FD) and Recurring Deposits (RD). Master discrete quarterly compounding formulas, sinking fund math, and Section 194A TDS rules.

1 Sept 2026 12 min read
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Savings & Banking

Zero Coupon Bond Pricing in India (2026) — Discount Compounding & Section 112 Tax Math

A complete quantitative guide to Zero Coupon Bonds (ZCBs) and Deep Discount Bonds in India for FY 2026-27. Master discounted cash flow pricing, Section 2(48) notified bonds, and Section 112 LTCG taxation.

31 Aug 2026 9 min read
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Savings & Banking

Corporate Bond Yield in India (2026) — YTM, Dirty Price & Section 193 TDS Math

A complete quantitative guide to corporate bond investing in India for FY 2026-27. Understand Yield to Maturity (YTM), Clean vs Dirty Price, credit spreads, Section 193 TDS, and Section 112 capital gains.

28 Aug 2026 10 min read
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Savings & Banking

Best High-Interest Savings Accounts in India (2026) — Compare Tier Rates, DICGC Safety & Section 80TTA Rules

Is your cash losing purchasing power at 2.70%? Discover the institutional framework to compare high-yield savings accounts in India, DICGC ₹5 Lakh insurance rules, and Section 80TTA tax exemptions.

23 Aug 2026 9 min read
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Savings & Banking

DICGC Bank Deposit Insurance (2026) — ₹5 Lakh Limit, RBI 90-Day Payout & Multi-Bank Strategy

Is your bank deposit safe? Learn how the RBI's DICGC ₹5 Lakh deposit insurance works across savings accounts, fixed deposits, D-SIBs, and multi-account legal structures.

23 Aug 2026 8 min read
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Savings & Banking

Digital Banks vs. Traditional Banks (2026) — Safety, Neobanks vs D-SIBs & Hub-Spoke Architecture

Compare digital neobanks (Jupiter, Fi, Niyo) vs traditional banks (SBI, HDFC, ICICI). Understand RBI regulations, DICGC pass-through safety, and the Hub-and-Spoke banking model.

23 Aug 2026 8 min read
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Savings & Banking

Dormant & Inactive Bank Accounts (2026) — RBI Reactivation Rules, UDGAM Portal & DEA Fund Recovery

Learn how to unfreeze inactive and dormant bank accounts in India under RBI 2026 guidelines. Discover the ₹1 activity rule, UDGAM portal search, and DEA Fund claims.

23 Aug 2026 8 min read
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Savings & Banking

Fixed Deposit vs. Recurring Deposit (2026) — FD vs RD Formulas, Yield Math & Sinking Fund Rules

Confused between an FD and an RD? Master the mathematical, compounding, and tax differences between Fixed Deposits and Recurring Deposits in India for FY 2026-27.

23 Aug 2026 8 min read
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Savings & Banking

How Sweep-In Accounts Work (2026) — Auto-Sweep FD Rates, LIFO Rules & Tax Math

A mathematical guide on activating Auto-Sweep facilities to earn up to 7.25% Fixed Deposit yields with 100% ATM, UPI, and debit card liquidity.

23 Aug 2026 8 min read
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Savings & Banking

How to Build Emergency Funds & Short-Term Savings (2026) — 3-Tier Allocation, Sinking Funds & Liquidity Rules

A mathematical framework for calculating, structuring, and parking emergency reserves and short-term sinking funds across high-yield liquid instruments.

23 Aug 2026 9 min read
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Savings & Banking

How to Choose the Right Bank in India (2026) — D-SIB Safety, SFB Yields & Hub-Spoke Architecture

A 4-step quantitative framework for evaluating Indian banks across D-SIB systemic safety, Small Finance Bank yields, and Hub-and-Spoke account partitioning.

23 Aug 2026 9 min read
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Savings & Banking

How to Open a Bank Account for Minors in India (2026) — RBI Age Tiers, Limits & Tax Rules

A complete regulatory guide on opening savings accounts for children in India, covering RBI 10+ independent operation rules, debit card limits, and Section 64(1A) tax clubbing.

23 Aug 2026 8 min read
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Savings & Banking

Kisan Vikas Patra (KVP) in 2026 — 7.5% Interest, Doubling Horizon & Tax Math

A comprehensive statutory evaluation of the Post Office Kisan Vikas Patra (KVP) scheme, covering the 115-month doubling horizon, 30-month lock-in, and slab taxation.

23 Aug 2026 8 min read
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Savings & Banking

NRI Bank Accounts Explained (2026) — NRE vs NRO vs FCNR, Taxes & FEMA Rules

A comprehensive statutory guide for Non-Resident Indians (NRIs), detailing the differences between NRE, NRO, and FCNR accounts, Section 90 DTAA tax relief, and FEMA rules.

23 Aug 2026 9 min read
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Savings & Banking

Post Office Schemes Compared (2026) — SCSS, MIS, NSC, TD & PPF Rates

A comprehensive guide and rate comparison of Government of India Post Office Small Savings Schemes, including SCSS, POMIS, NSC, Time Deposits, and PPF.

23 Aug 2026 9 min read
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Savings & Banking

Senior Citizen Savings Scheme (2026) — 8.2% Rate, ₹30L Limit & Tax Math

A comprehensive guide to the Government of India Senior Citizen Savings Scheme (SCSS), covering the 8.2% interest rate, ₹30 Lakh deposit cap, Section 80TTB, and pension math.

23 Aug 2026 9 min read
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Savings & Banking

Real Cost of Multiple Bank Accounts (2026) — MAB Penalties, AMC & Tax Math

A comprehensive guide on the financial and tax hazards of hoarding multiple bank accounts in India, covering MAB non-maintenance penalties, debit card AMC, and the 3-Account Rule.

23 Aug 2026 9 min read
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Savings & Banking

Types of Bank Accounts in India (2026) — Savings, Current, NRE/NRO & FD

A comprehensive regulatory guide on bank account types in India, covering Savings, Current, Fixed Deposits, Sweep-in FDs, and FEMA NRI accounts.

23 Aug 2026 9 min read
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Savings & Banking

UPI, NEFT, RTGS & IMPS Limits (2026) — Transaction Rules & RBI Math

A comprehensive guide on digital fund transfers in India, covering UPI, IMPS, NEFT, and RTGS daily limits, cooling-off rules, settlement speeds, and RBI regulations.

23 Aug 2026 9 min read
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Savings & Banking

Bank Accounts After Death (2026) — Nominee vs Legal Heir & RBI Rules

A definitive legal and regulatory guide on what happens to Indian bank accounts after death, analyzing Section 45ZA nomination rules, legal heir rights, and RBI claim mandates.

23 Aug 2026 9 min read
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Savings & Banking

What is CERSAI in India (2026) — Search Fees, Home Loan Math & SARFAESI

A regulatory and legal guide on CERSAI in India, explaining equitable mortgage registration, property fraud prevention, ₹10 public title search, and home loan fees.

23 Aug 2026 9 min read
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Savings & Banking

Why Savings Accounts Lose Money in India (2026) — Inflation & Sweep Math

A mathematical guide on why idle cash in 2.7% savings accounts suffers negative real returns after inflation, and how to activate 7% Auto-Sweep FDs.

23 Aug 2026 9 min read
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Savings & Banking

RBI Floating Rate Savings Bonds (FRSB 8.05%) vs Bank Fixed Deposits (2026) — Complete Comparison & Tax Calculator

Compare RBI Floating Rate Savings Bonds (FRSB 8.05%) with Bank Fixed Deposits. Learn how the NSC +0.35% floating spread works, sovereign safety, lock-in rules, and post-tax returns across tax slabs.

22 Aug 2026 9 min read
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Savings & Banking

Liquid ETF vs Savings Account (2026) — Mathematical Break-Even Analysis, DP Charges, and Idle Cash Yield Guide

Quantitative treasury guide on parking idle trading cash in Liquid ETFs (LIQUIDCASE, Liquid BeES) vs Savings Bank Accounts. Calculate exact break-even holding days after DP charges, exchange friction, and Section 50AA taxation.

31 Mar 2026 5 min read
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