MAM
Maximizing Your Fixed Deposits: How to Choose the Best Rates
Fixed deposits (FDs) have long been a preferred savings option for risk-averse investors looking to secure steady returns. With the promise of guaranteed returns, FDs provide peace of mind and predictability, which is especially valuable during volatile market conditions. However, maximizing the benefits of your fixed deposits requires careful attention to fixed deposit rates. Selecting the right bank or financial institution offering competitive FD rates can significantly impact the maturity amount. Additionally, tools like the FD calculator can help you make more informed decisions. In this article, we’ll explore how to choose the best FD rates and maximise your returns.
1. Understanding Fixed Deposit Rates
Fixed deposit rates refer to the interest rate offered by banks or financial institutions on your FD investment. This rate determines how much your investment will grow over a specific tenure. Typically, these rates are fixed for the tenure of the deposit, meaning your returns are locked in, making FDs a stable investment.
FD rates vary based on factors such as:
● The tenure of the deposit (short-term, medium-term, or long-term)
● The financial institution offering the FD
● The investor’s age (senior citizens often receive higher rates)
● Economic conditions and regulatory factors
Banks and non-banking financial companies (NBFCs) regularly update their fixed deposit rates, often influenced by changes in the Reserve Bank of India (RBI) policies. Understanding the factors affecting these rates will help you choose an option that provides the highest returns for your specific needs.
2. Factors to Consider When Comparing Fixed Deposit Rates
When aiming to maximize your returns from fixed deposits, there are several factors to keep in mind beyond just the interest rate:
a) Tenure of the Deposit
One of the most critical aspects of selecting an FD is determining the appropriate tenure. Short-term FDs, generally ranging from 7 days to 12 months, may offer lower fixed deposit rates than long-term deposits. Typically, the longer the tenure, the higher the interest rate offered. However, it’s crucial to match the tenure with your financial goals.
b) Financial Institution
Different banks and NBFCs offer varying FD rates. While public sector banks often provide safety and reliability, private banks and NBFCs may offer slightly higher interest rates. It’s essential to evaluate the credibility of the institution before investing, as some NBFCs may carry higher risks despite offering attractive rates.
c) Senior Citizen Benefits
If you are a senior citizen (aged 60 or above), you may be eligible for preferential rates. Many banks offer an additional 0.5% to 0.75% interest to senior citizens on their FDs. This is a great way for retirees to maximise their income while keeping their investments safe.
d) Premature Withdrawal Penalties
While FDs are known for their fixed tenure, emergencies may force you to withdraw your funds before maturity. In such cases, premature withdrawal penalties could reduce your overall returns. Some institutions may offer flexible withdrawal options with lower penalties, so it’s worth considering these factors while choosing your FD.
e) Interest Compounding Frequency
The frequency with which interest is compounded (monthly, quarterly, half-yearly, or annually) can impact your total earnings. FDs that compound interest more frequently (e.g., monthly) can help you earn more over time. It is advisable to use an FD calculator to understand the impact of different compounding intervals on your returns.
3. Using an FD Calculator to Compare Returns
An FD calculator is an essential tool for anyone looking to invest in fixed deposits. It allows you to calculate the maturity amount based on the interest rate, tenure, and principal amount. By entering these details, you can easily compare different FD schemes and find the one that offers the best returns for your investment.
a) How to Use an FD Calculator
Using an FD calculator is simple. You need to input:
● The principal amount (the money you wish to deposit)
● The fixed deposit rates offered by the bank or institution
● The tenure (in months or years)
● The interest compounding frequency (monthly, quarterly, annually, etc.)
The FD calculator will then show you the maturity amount and the interest earned during the tenure. This tool is incredibly helpful in comparing multiple FD options and deciding which one will give you the maximum returns.
b) Benefits of Using an FD Calculator
● Quick Comparison: Instead of manually calculating the returns on different FDs, the calculator instantly provides results, allowing you to compare offers from various banks and NBFCs.
● Precision: By factoring in the compounding frequency, the FD calculator gives accurate results, making it easier to assess which institution offers the best deal.
● Financial Planning: It helps you plan for the future by showing you how much you can expect to receive at the end of your FD term.
4. Strategies to Maximize Fixed Deposit Returns
To get the most out of your FD investment, consider the following strategies:
a) Laddering Your Fixed Deposits
FD laddering involves splitting your investment into multiple deposits with varying tenures. For instance, instead of investing ₹3,00,000 in a single FD, you could invest ₹1,00,000 each in FDs of one year, two years, and three years. This strategy allows you to benefit from potentially higher fixed deposit rates as they rise over time while maintaining liquidity. As each FD matures, you can reinvest at a better rate if the market conditions are favourable.
b) Opt for Auto-Renewal
Many banks offer an auto-renewal option where your FD is automatically renewed at the prevailing interest rates upon maturity. This ensures that your money continues to earn interest without any delay. However, check the rates at the time of renewal, as they may differ from the initial rates.
c) Invest in Corporate FDs
While corporate FDs typically carry higher risk than bank FDs, they often offer more attractive fixed deposit rates. Investing in corporate FDs from reputed companies can provide higher returns. It’s essential, however, to assess the company’s credit rating before opting for such an investment.
d) Tax-Saving Fixed Deposits
Tax-saving FDs are a great option for individuals looking to save on taxes while earning decent returns. These FDs come with a lock-in period of five years and are eligible for deductions under Section 80C of the Income Tax Act. While the interest earned is taxable, the initial investment amount is deductible, making it a good choice for tax-saving and wealth-building purposes.
5. Evaluating Risk and Returns
While FDs are generally considered low-risk investments, it’s still important to evaluate the financial health of the institution where you are investing. Higher fixed deposit rates may be attractive, but they could come with increased risk if the institution is less stable. Credit ratings can provide a useful indicator of the institution’s reliability. Also, ensure that your deposit is insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC), which offers insurance coverage of up to ₹5 lakh per depositor.
Conclusion
Maximizing your returns on fixed deposits involves more than simply choosing the highest fixed deposit rates available. Consider factors such as tenure, the financial institution’s credibility, premature withdrawal penalties, and interest compounding frequency. Tools like the FD calculator can help you make informed decisions by comparing different FD options and calculating potential returns. Additionally, employing strategies like FD laddering, opting for tax-saving deposits, or considering corporate FDs can enhance your overall earnings. By taking a comprehensive approach, you can ensure that your fixed deposits work effectively towards achieving your financial goals.
Brands
Netflix India names Rekha Rane director of films and series marketing
Streaming giant bets on a seasoned marketer who helped build Amazon and Netflix into household names
MUMBAI: Netflix has put a proven brand builder at the helm of its films and series marketing in India, naming Rekha Rane as director in a move that signals sharper focus on audience growth and cultural cut-through in one of its most hotly contested markets.
Rane steps into the role after seven years at Netflix, where she has quietly shaped how the platform sells stories to India. Her latest promotion, effective February 2026, crowns a run that spans brand, slate and product marketing across originals, licensed content and new verticals such as games.
A strategic marketing and communications professional with roughly 15 years’ experience, Rane has spent much of her career building technology-led consumer businesses and new categories, notably e-commerce and subscription video on demand. She was part of the early push that introduced Amazon.in, Prime Video and Netflix to Indian homes, then helped turn them into everyday brands.
At Netflix, she most recently served as head of brand and slate marketing for India from March 2024 to February 2026, leading teams across media and marketing for global and local content portfolios. Before that, as manager for original films and series marketing, she led IP creation and go-to-market strategy for titles including Guns and Gulaabs, Kaala Paani, The Railway Men* and The Great Indian Kapil Show, spanning both binge and weekly-release formats.
Her earlier Netflix roles covered product discovery and promotion in India and integrated campaign strategy to drive conversations around the content slate, product awareness and brand-equity metrics.
Before Netflix, Rane logged more than three years at Amazon in brand marketing roles in Bengaluru. There she handled national and regional campaigns for Amazon.in, worked on customer assistance programmes in growth geographies and contributed to the go-to-market strategy for the launch of Prime Video India.
Her career began well away from streaming. At Reliance Brands in Mumbai, she worked on retail marketing for Diesel and Superdry. A stint at Leo Burnett saw her work on primary research for P&G Tide, mapping Indian shoppers’ paths to purchase. Earlier still, at Orange in the United Kingdom, she rose from sales assistant to store manager, running a team and owning monthly P&L for a retail outlet.
The arc is telling. As global streamers fight for attention in a crowded Indian market, executives who understand both mass retail behaviour and digital habit-building are prized. Rane’s career sits at that intersection.
For Netflix, the bet is simple: in a market spoilt for choice, sharp marketing can still tilt the screen. And with Rane now leading the charge, the streamer is signalling it wants not just viewers, but fandom.
Brands
Orient Beverages pops the fizz with steady Q3 gains and rising profits
Kolkata-based beverage maker reports stronger revenues and profits for December quarter.
MUMBAI: A fizzy quarter with a steady aftertaste that’s how Orient Beverages Limited, the company that manufactures and distributes packaged drinking water under the brand name Bisleri closed the December 2025 period, as the Kolkata-based drinks maker reported improved revenues and a healthy rise in profits, signalling operational stability in a competitive beverage market.
For the quarter ended December 31, 2025, Orient Beverages posted standalone revenue from operations of Rs 39.98 crore, up from Rs 36.42 crore in the previous quarter and Rs 33.53 crore in the same quarter last year. Total income for the quarter stood at Rs 42.24 crore, reflecting consistent demand and stable pricing across its beverage portfolio.
Profit before tax for the quarter came in at Rs 3.47 crore, a sharp improvement from Rs 1.31 crore in the September quarter and Rs 0.39 crore a year ago. After accounting for tax expenses of Rs 0.79 crore, the company reported a net profit of Rs 2.68 crore, nearly three times the Rs 0.99 crore recorded in the preceding quarter.
On a nine-month basis, the momentum remained intact. Revenue from operations for the period ended December 31, 2025 rose to Rs 117.66 crore, compared with Rs 106.95 crore in the corresponding period last year. Net profit for the nine months climbed to Rs 5.51 crore, more than double the Rs 2.18 crore reported in the same period of the previous financial year.
The consolidated numbers told a similar story. For the December quarter, consolidated revenue from operations stood at Rs 45.06 crore, while profit after tax came in at Rs 2.06 crore. For the nine-month period, consolidated revenue touched Rs 133.57 crore, with net profit of Rs 4.49 crore, underscoring the group’s improving profitability trajectory.
Operating expenses remained largely controlled, with cost of materials, employee benefits and other expenses broadly aligned with revenue growth. The company continued to operate within a single reportable segment beverages simplifying its cost structure and reporting framework.
The unaudited financial results were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on 7 February 2026. Statutory auditors carried out a limited review and reported no material misstatements in the results.
In a market where margins are often squeezed by input costs and competition, Orient Beverages’ latest numbers suggest the company has found a reliable rhythm not explosive, but steady enough to keep the fizz alive.
MAM
Washington Post CEO exits abruptly after newsroom cuts spark backlash
Leadership change follows layoffs, protests and a bruising battle over trust.
MUMBAI: When the presses are rolling but patience runs out, even the editor’s chair isn’t safe. The Washington Post announced on Saturday that its chief executive and publisher Will Lewis is stepping down with immediate effect, bringing a sudden end to a turbulent two-year tenure marked by financial strain, newsroom unrest and public backlash.
Lewis’s exit comes just days after the Bezos-owned newspaper announced sweeping job cuts that triggered protests outside its Washington headquarters and a wave of anger from readers and staff. While newspapers across the US are grappling with shrinking revenues and digital disruption, Lewis’s leadership had increasingly come under fire for how those pressures were handled.
The Post confirmed that Jeff D’Onofrio, a former Tumblr CEO who joined the organisation last year as chief financial officer, has taken over as CEO and publisher, effective immediately. In an email to staff, later shared by reporters on social media, Lewis said it was “the right time for me to step aside.”
The leadership change follows the announcement of large-scale redundancies earlier this week. While the Post did not officially confirm numbers, The New York Times reported that around 300 of the paper’s roughly 800 journalists were laid off. Entire teams were dismantled, including the Post’s Middle East bureau and its Kyiv-based correspondent covering the war in Ukraine.
Sports, graphics and local reporting were sharply reduced, and the paper’s daily podcast, Post Reports, was suspended. On Thursday, hundreds of journalists and supporters gathered outside the Post’s downtown office in protest, calling the cuts a blow to public-interest journalism.
Former executive editor Marty Baron described the moment as “among the darkest days in the history of one of the world’s greatest news organisations.”
Lewis defended his record in his farewell note, saying “difficult decisions” were taken to secure the paper’s long-term future and protect its ability to publish “high-quality nonpartisan news”. But his tenure coincided with growing scrutiny of editorial independence at the Post.
Owner Jeff Bezos faced criticism for reining in the paper’s traditionally liberal editorial page and blocking an endorsement of Democratic presidential candidate Kamala Harris ahead of the 2024 US election. The move was widely seen as breaking the long-standing firewall between ownership and editorial decision-making.
According to a Wall Street Journal report, around 250,000 digital subscribers cancelled their subscriptions after the paper declined to endorse Harris. The Post reportedly lost about $100 million in 2024 as advertising and subscription revenues slid.
While the wider newspaper industry continues to battle declining print advertising and the pull of social media, some national titles have stabilised. Rivals such as The Wall Street Journal and The New York Times have managed to build sustainable digital businesses, a turnaround that has so far eluded the Post despite its billionaire backing.
As Jeff D’Onofrio steps into the role, the challenge is stark, restore confidence inside the newsroom, win back readers who walked away, and prove that one of America’s most storied newspapers can still find its footing in a brutally competitive media landscape.
-
News Broadcasting1 week agoMukesh Ambani, Larry Fink come together for CNBC-TV18 exclusive
-
News Headline1 month agoFrom selfies to big bucks, India’s influencer economy explodes in 2025
-
iWorld5 months agoBillions still offline despite mobile internet surge: GSMA
-
Applications2 months ago28 per cent of divorced daters in India are open to remarriage: Rebounce
-
iWorld2 weeks agoNetflix celebrates a decade in India with Shah Rukh Khan-narrated tribute film
-
Hollywood1 week agoThe man who dubbed Harry Potter for the world is stunned by Mumbai traffic
-
News Headline2 months agoGame on again as 2025 powers up a record year and sets the stage for 2030
-
I&B Ministry3 months agoIndia steps up fight against digital piracy


