What are the chances of fd rates going up in 2015?
This query is : Resolved
17 May 2015
If there is a downfall trend, I would like to invest in the long term (say 2 years) to lock the rates. If there is not, I would like to invest for 1 year.
Please advise.
Please advise.
18 May 2015
Cant predict dear....chances are low
18 May 2015
IF RBI keep nudging banks to reduce lending rates, deposits rates will have to come down as a consequence. So don't expect too much on upward movement in interest rates
18 May 2015
Can i go ahead and lock investment tenure longer then?
03 August 2025
Given the RBI’s stance in 2015 to nudge banks to reduce lending rates, it generally puts downward pressure on deposit rates as well. So, the likelihood of FD rates going up significantly in 2015 is quite low.
If your priority is to lock in a decent rate now for stability, investing for a longer tenure (like 2 years) makes sense to avoid the risk of rates falling further. But if you think you might need liquidity or expect a slight rate rise due to unforeseen economic changes, a shorter tenure (1 year) could be better.
Bottom line:
If you want safety and assured returns, lock for longer.
If you want flexibility and can monitor rates closely, go for shorter tenure.
If your priority is to lock in a decent rate now for stability, investing for a longer tenure (like 2 years) makes sense to avoid the risk of rates falling further. But if you think you might need liquidity or expect a slight rate rise due to unforeseen economic changes, a shorter tenure (1 year) could be better.
Bottom line:
If you want safety and assured returns, lock for longer.
If you want flexibility and can monitor rates closely, go for shorter tenure.
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