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RBI kept repo rate unchanged at 6% in the last monetary policy meet with a neutral stance citing that rising consumer prices will threaten the trajectory for inflation. 
&nbsp;

Rate cut or status quo: 14 factors will revolve around RBI decision

&nbsp;The RBI data showed that aggregate deposits and bank credit growth (y-o-y) decelerated across all population groups and bank groups in September 2017 from a quarter ago.

Banks deposit and credit growth moderate in Q2FY18: RBI

In earlier years when the inflation was at a high rate, Bank Fixed Deposit was an attractive choice, as there was zero risk and substantial return on the money invested. But, nowadays this is not the case with Bank Fixed Deposits. Though the risk level has not gone up the return side has faced a downfall.

Mutual Funds vs Bank Deposits: What should be your preferred financial product?

At a paltry 5.08%, fiscal 2017 was the worst year in over six decades for bank credit-lowest since fiscal 1953 when it grew at a much lower 1.8%.

Led by Commercial Papers, credit offtake clips 15% to Rs 80.09 lakh crore

Performance in Certificate in deposits have decline by nearly 60% in September 2017. Such decline was on the back of&nbsp;weak credit growth from banks,&nbsp;surge in deposit base post demonetisation.&nbsp;

Certificate of Deposits fall below Rs 1 lakh crore for the first time in a decade 

&nbsp;Moody's believes that PSU bank merger will be credit positive but banks still need a lot of money for recapitalisation.&nbsp; 
&nbsp;

Can PSU bank merger help them outshine private banks' deposit growth? 

Two banks namely Axis Bank and SBI have brought down their savings account interest rates by 50 basis points.&nbsp; 
&nbsp;

Why are banks choosing to cut savings account interest rates?

Few days after when SBI revised down its interest rates on savings account, private lender Axis Bank too followed the suit by making 50 basis points revision.&nbsp;

After SBI, Axis Bank cuts interest rate on savings account 

Full Text: Here's what RBI said in its bi-monthly monetary policy

The decision was taken considering the majority of MPC, as four out of six MPC members were in favour of 25 bps cut in policy rate.&nbsp;

RBI cuts repo rate by 25 basis points; lowest since 2010

Policy repo rate stands at 6.25% presently. Markets are expecting a rate cut while few analysts believe it would be another status quo in this monetary policy review.&nbsp;

10 things to know before RBI's August bi-monthly monetary policy  

A mountain of bad debt in India`s banking system has led to a prolonged credit crunch that is inflicting most pain on small- and medium-sized enterprises (SMEs) such as Pandey`s that depend upon banks for their day-to-day working capital and longer-term borrowing needs.

Small businesses suffer as India's bruised banks sit on deposits

Sadagopan said, "FD rates are a problem area for those who are dependent&nbsp;on the interest from it for their sustenance."

Bank deposit rates are falling: What can you do 

According to the new structure, for two to less than three years deposits, SBI will offer a rate of 6.25 per cent as compared to 6.75 per cent earlier, the bank said. For the similar maturity, the deposit rates for senior citizen have been cut to 6.75 per cent from 7.25 per cent.

SBI reduces term deposit rates by up to 50 bps

For the year to March, banks' outstanding credit stood at Rs 78.81 trillion compared to Rs 75.01 trillion as of April 1 2016, show the central bank data.

Credit growth plunges to over 60 year low at 5% in FY17

Indian banks' loans rose 5.1% in two weeks to March 31: RBI

RBI's repo and reverse repo rates&nbsp;are kept unchanged&nbsp;at 6.25% &nbsp;and&nbsp;5.75% respectively,&nbsp;where it has been since October 2016.&nbsp;Marginal standing facility (MSF) rate and bank rate at 6.75% each.

9 things to watch out for before RBI's bi-monthly monetary policy

State Bank of India, in a research report&nbsp;said, “It may be also noted that with the implementation of ban on cash transactions of over Rs 2 lakh from April 1, further decline in cash withdrawals may be a possibility.”

Growth in digital banking slows down, cash withdrawals fall post March 13

Progress on the pending Goods and Services Tax (GST) reform and Finance Minister Arun Jaitley's 2017 budget speech to parliament both underscore the government's commitment to reform in the wake of demonetisation.

Demonetisation likely to be credit positive for India, Moody's says

"The bank has crossed total business figures of Rs 3.59 lakh crore with total deposits being Rs 2.10 lakh crores as on December 31, 2016," Deputy General Head and Cluster Monitoring Office Head of OBC, Dinesh Kumar Vishnoi told PTI here on the sidelines of 75th anniversary celebrations of the bank.

Oriental Bank business figure crosses Rs 3.59 lakh crore: Official

bank-deposits

PPF and FD both offer safe returns, but tax-free compounding gives PPF a clear lead over 10-15 years, especially for long-term goals. FDs still work for medium-term needs, monthly income and senior citizens.

PPF vs FD: Where will your money grow faster over 10–15 years?

The latest State Bank of India (SBI) report highlights the need for tax reforms to address the decline in bank deposits. The report explains how varying tax treatments on different investment options lead to significant disparities in net returns, impacting deposit growth and banking stability. 

Decline in bank deposits is also because of non-uniform tax treatment on various investment options: SBI

At 1.5 per cent of total deposits as of July 1, 2022, CDs are yet to touch the peak level of June 2011 when they were at 8.3 per cent of total deposits, the agency said

Will banks be forced to sharply hike their deposit rates in coming months? Icra Ratings report says this

The share of CASA deposits increased to 43.7 per cent in March 2021 compared to 41.7 per cent a year ago, according to the Reserve Bank of India (RBI's) Deposits with Scheduled Commercial Banks - March 2021 data released on Thursday.

Bank deposits rise 12 pc in FY21 on higher CASA growth: RBI data

Bank deposits, especially Fixed Deposits (FD) and Recurring Deposits (RD) are one of the most popular short-term investment tools among earning individuals.

Bank Fixed Deposits vs RD vs other deposits! Know these income tax rules that may take away your money

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Bank Deposits

Rate cut or status quo: 14 factors will revolve around RBI decision

Banks deposit and credit growth moderate in Q2FY18: RBI

Mutual Funds vs Bank Deposits: What should be your preferred financial product?

Led by Commercial Papers, credit offtake clips 15% to Rs 80.09 lakh crore

Certificate of Deposits fall below Rs 1 lakh crore for the first time in a decade

Can PSU bank merger help them outshine private banks' deposit growth?

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Top News

Why hybrid funds are trending in 2026: Experts explain stability, growth strategy

The 40% Retirement Wealth Gap: Why women need to invest more for their future

EXCLUSIVE | SEBI mulls major crackdown against fake Telegram channels, use AI tools in probe: Sources

IMD issues heatwave alert: Intense heat to persist across Punjab, Haryana and Uttar Pradesh for next 3 days

750% dividend! Tata Elxsi recommends Rs 75/share payout for FY26; AGM awaited

Car loan rates April 2026: From 7.45%—compare SBI, HDFC Bank, ICICI Bank, PNB, EMIs, charges