FDs vs Small Savings Schemes Where Should Your Money Sit in 2026
If you want flexibility, easy access, and rates that move with the market, bank fixed deposits are still the more practical choice for most people. If you're investing for a specific long-term goal-retirement, a daughter's education, tax-saving under Section 80C-small savings schemes like PPF, NSC, and SCSS generally win, thanks to sovereign backing, better rates in several categories, and tax-free interest on some of them. The honest answer is that most conservative investors shouldn't pick one exclusively. The two serve....
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