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Financial FAQs for Investments

Refine your investment strategies with our comprehensive FAQs. Access clear answers to optimise your portfolio and achieve financial goals.

If a loan against a Fixed Deposit (FD) is not repaid, the financial institution follows a specific process to recover the outstanding amount:

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To claim the Fixed Deposit (FD) amount after the depositor's death, follow these steps:

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Investing in a Fixed Deposit (FD) involves the following steps:

Choose a Financial Institution:

Research different financial institutions to compare interest rates and terms.

Determine the Deposit Amount and Tenure:

Decide on the amount to invest and the duration of the FD. This can range from a few days to months and years.

Visit the Institution or Apply Online:

Complete the application process either in person at a branch or through the institution’s website or mobile app.

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Fixed Deposit (FD) rates can fluctuate due to several factors: 
Monetary Policy: Changes in central bank policies, such as adjustments to the repo rate, directly influence the FD rates set by financial institutions. 
Inflation Rates: To counteract inflation, financial institutions may offer higher FD rates. Conversely, lower inflation can lead to reduced rates. 

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In the case of Fixed Deposits, the following scenarios may occur if a depositor passes away
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Individuals are generally eligible to invest in a fixed deposit if they meet the following criteria
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The maximum lock-in amount for an FD is determined by the policies and guidelines of the institution. Some institutions may not have an upper limit but could have a minimum FD amount requirement.
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