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Satkam Divya

A

Institution Duration Rate (%) Min. Deposit

State Bank Of Patiala (SBP) 555 days9.75

Below Rs. 1 crore

Oriental Bank Of Commerce

(OBC)1 - 2 years

9.75Below Rs. 1 crore

Punjab and Sind Bank (PSB) 500 days9.75

Below Rs. 1 crore

Corporation Bank 1 year 9.65 Below Rs. 15 lakh

Dena Bank 1 year9.60

Below Rs. 1 crore

UCO Bank 1 - 2 years9.50

Below Rs. 5 crore

Indian Overseas Bank (IOB) 1 - 2 years9.50

Below Rs. 1 crore

IDBI Bank 500 days9.50

Below Rs. 1 crore

Allahabad Bank 1 - 2 years9.50

Below Rs. 1 crore

State Bank Of Travancore (SBT) 500 days9.50

Below Rs. 15 lakh

s debt instruments like Fixed Deposit (FDs) schemes have

become more lucrative after cyclic increase in the policy rates

by Reserve Bank of India (RBI), the investment in bank and

corporate fixed deposits make a lot of sense, especially at this time.

They are not only safe havens to park your money but also offering

good returns of up to 10-11 percent for 1-2 years. The interest

rates are almost at the peak and there is a little hope of further

increases.

Thanks to the inflation which is making mandatory requirement to increase the key policy rates. A

steep increase in the key policy rates dent the huge liquidity enjoyed by the banks and they have to

increase the interest rates to collect the money from the public.

The following table provides list of FD rates of banks:

* Senior citizens would

fetch 0.25 ' 0.50%

additional.

Bank Deposits Vs Company Deposits

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Moneycontrol News Fixed Income - Bank Deposits

Mon, Jun 11, 2012 at 12:18

Investing in Fixed Deposits & theirtax implicationsWith interest rates almost at the peak, FDs are offering good returns of up to 1011%. Financial advisor Satkam Divya guides us about the pros and cons of fixed depositsand their tax implications.

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Investing in Fixed Deposits & their tax implications - Moneycontrol.com 11/23/2012

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Here, as we about bank and corporate Fixed Deposit schemes , it becomes important for us to

know the difference between the two so that we can take the right decision as far as investment in

FDs are concerned. The prime difference between the two is that though corporate FDs offer 2-3

per cent higher interest rate per annum, they are not as safe as bank FDs. Bank deposits are

generally safe investments because FDs up to Rs 1 lakh are insured under the Deposit Insurance &

Credit Guarantee Scheme of India.

Hence, it is important for us to ascertain the stability of the company, its track record of giving

returns. To judge this, the simple way is to keep in mind the following points before investing in

corporate FDs:

What is the rating given to the company's fixed deposit scheme? These ratings given by creditrating agencies indicate the safety of the investments based on the number of criteria. Usually,

AAA rating is considered safest.

Company is issuing the fixed deposit to raise the money for its operations. Find out the liquidity of

the company and its financial strength to repay at the time of maturity; otherwise, investors haveissues on getting back their principal amount.

Also, it is important to know that where you need to contact them to close the FD. Unlike banks,company FDs are not operated everywhere in the country.

Read the complete terms and conditions of the FD and find out whether they allow the pre-close ofthe fixed deposit before the maturity.

Company Fixed Deposits forms are available through various broking agencies or directly with the

companies. The minimum investment in a Company Fixed deposit varies from company to

company. Normally, the minimum investment is Rs.5,000. For individual investors, there is no upper

limit. In case of recurring deposits, the minimum amount is normally Rs.100 per month.

Drawbacks

FDs are not 'liquid' investments. It means if you invest your money in FDs, you will not be able towithdraw it until it matures. Generally, if you need to remove your money before the maturity, you

will be able to do so by either losing the interest that you were supposed to earn or paying chargeson it.

Besides this, a particular interest rate is decided at the time of investment. If the interest rate goesup while your money is invested, you will not be able to enjoy it on your investment.

By investing in FD, you cannot beat inflation as the returns offered on bank FDs are still less thanthe rate of inflation and it may prove to be a futile investment exercise.

The rate of return mentioned in FDs is pre-tax returns and tax amount has to be deducted from it.

Tax implications

When you open a fixed deposit account in the bank, the interest paid will be taxable income and the

banker will deduct the tax at source and pay you the remaining income to your account. This

process is called as Tax Deduction at Source (TDS).

The interest income earned on any FD is taxable at the same tax slab as the customer is in. It will be

added to his income in the year under the head 'Other Income'. However, if the interest earned on

FD is more than Rs 10,000 annually, bank cut the TDS at the rate of 10 per cent. In this case, bank

will also issue you a tax certificate, which you can show at the time of filing the income tax return.

However, if you have not submitted the PAN number while opening the fixed deposit, 20% would be

deducted as the TDS. On the other hand, if the total interest amount is up to Rs.10000, bank does

not deduct tax on it.

If the person is above 60, he/she can submit the Form 15H to avoid this TDS.

For those, who are below the age of 60 have to file Form 15G. For example, Mrs. X earns Rs.25000

from the interest in a year. She doesn't have any other income and housewife. She is eligible to file

the Form 15G and give it to the bank before March 31. In this case, the tax will not be deducted from

the source.

One important point is that, these forms have to be submitted in each financial year to avoid the tax

deduction. It is advisable to submit in the beginning of the year.

The NRI's, who earn interest on their NRO's account, are subject to 30% TDS.

Conclusion

A fixed deposit is best suited for those investors who want to invest a lump sum of money at a lowrisk and are comfortable committing it for a fixed period of time, and earn a rate of interest on the

same.

- Satkam Divya

The author is the Business Head ' Rupeetalk.com

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3/3

Buy Greaves Cotton; target of Rs 92: IIFL

Trading cautious after Greek deal delay

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