Personal Finance | Making the best of fixed income instruments in a rising rate cycle – Moneycontrol

Depositors must draw up comparative charts of bank deposits, housing finance companies and corporate borrowers in the context of rates, credit rating and tenureĀ 

Nilanjan Dey

June 17, 2022 / 11:14 AM IST

Two successive repo rate hikes may bring to the fore the possibility of a larger than expected disjunction in the fixed deposit (FD) market. The latter has already seen a significant gap between rates offered by traditional banks and those extended by housing finance companies (HFCs) and other corporate deposit mobilisers.

A number of HFCs and financial services players have already raised their rates selectively, rendering the latest crop of deposits considerably more attractive, when compared to what are being…


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