Fixed deposits are often considered the best investment considering the low risk but guaranteed returns. Customers need to invest in FDs on a monthly, quarterly or yearly basis.
With RBI keeping the repo rate unchanged at 4%, almost every bank is offering lower interest rates on FDs.
Moreover, FD returns are fully taxable as per the income tax slab of the investor, which means that the actual rate of return gets further reduced. This also means that inflation, post-tax FD returns may be accounted for in the negative. This has created confusion in the minds of senior citizen investors as to how to depend on FDs for regular income.
Tax saving FDs basically come with a lock-in period of 5 years and offer tax deduction on your investments under Section 80C of the Income Tax Act. Senior citizen investors can claim a deduction of up to Rs 1.5 lakh in tax saving fixed deposits.
It offers 0.5% interest rate on FDs. However, keep in mind that according to BankBazaar, premature withdrawal is not allowed due to the lock-in period.
The FD account can be opened in single or joint mode of holding and especially, the first holder can get the benefit of tax exemption when it comes to tax saving FDs.
Generally, FD returns attract TDS as per the slab rate of the investor. But there is another way. Senior citizens can further submit Form 15H (Form 15G for non-senior-citizen depositors) so that they do not have to pay TDS.
Senior citizens can also get a tax deduction of Rs. 50,000 on interest income from deposits under section 80TTB of the IT Act, subject to terms and conditions.
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$('div.listing').append(string);
}
});
},
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//console.log("An error occured: " + xhr.status + " " + xhr.statusText);
nextload=false;
},
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$('div.listing').find(".loading-block").remove();;
pg +=1;
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nextpath="&page=" + pg;
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cat = "?cat=904795";
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for (var t in targeting){
slot.setTargeting(t, targeting
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slot.addService(googletag.pubads());
googletag.display(elId);
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});
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var sr = fbid.replace("#mf", ".sr");
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var ing, fid;
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var tag = document.createElement('script');
tag.src = "https://www.youtube.com/iframe_api";
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var player = new YT.Player(playDiv , {
height: '450',
width: '100%',
videoId:code,
playerVars: {
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'controls': 1
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events: {
'onStateChange': function(event){
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kalturaPlayer.addEventListener(kalturaPlayer.Event.AD_SKIPPED, adSkippedEvent);
kalturaPlayer.addEventListener(kalturaPlayer.Event.AD_CLICKED,adClicked);
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gtag('event', 'Adstarted', { 'event_category': videotype, 'event_label': vlabel});
gtag('event', 'Play', { 'event_category': videotype, 'event_label': vlabel});
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gtag('event', 'Pause', { 'event_category': videotype, 'event_label': vlabel});
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gtag("event", "kaltura_adpaused", { "event_category": videotype, "event_label": vlabel});
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onYouTubePlay(vid, vC, playDiv,vx, pvid);
}
});
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$(this).hide();
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var vurl = $(this).attr("video-path");
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var playDiv = "mvideo-play-" + vid + "-" + pvid;
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//console.log(jwplayer($(this).attr("id")).getState());
kalturaPlayerAPIReady(vC, playDiv,pvid);
}else{
onYouTubePlay($(this).attr("id"), vC, playDiv, vid, pvid);
}
});
var nxti = 3;
var ci = 1;
var nxti_1 = 6;
var nxti_2 = 9;
var nxti_3 = 12;
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var disqus_identifier; //made of post id and guid
var disqus_url; //post permalink
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if (window.DISQUS) {
//alert("if");
jQuery('
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jQuery('#disqus_thread').insertAfter(source); //append the HTML after the link
//if Disqus exists, call it's reset method with new parameters
DISQUS.reset({
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config: function () {
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this.page.url = url;
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});
}else{
jQuery('
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disqus_identifier = identifier; //set the identifier argument
disqus_url = url; //set the permalink argument
//append the Disqus embed script to HTML
var dsq = document.createElement('script'); dsq.type="text/javascript"; dsq.async = true;
dsq.src="http://" + disqus_shortname + '.disqus.com/embed.js';
jQuery('head').append(dsq);
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};*/
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function notify() {
identifier = $(this).attr('id');
dUrl = $(this).attr('disqus-url');
source = $(this).parent();
loadDisqus(jQuery(this), identifier, dUrl);
}*/
function loadshare(curl){
history.replaceState('' ,'', curl);
if(window.OBR){
window.OBR.extern.researchWidget();
}
//console.log("loadshare Call->" + curl);
//$('html head').find('title').text("main" + nxtTitle);
if(_up == false){
var cu_url = curl;
gtag('config', 'UA-2069755-1', {'page_path': cu_url });
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window.COMSCORE.beacon({c1: "2", c2: "9254297"});
var e = Date.now();
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url: "/marathi/news/zscorecard.json?" + e,
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var ga = document.createElement('script'); ga.type="text/javascript"; ga.async = true;
ga.src = ('https:' == document.location.protocol ? 'https://' : 'http://') + 'stats.g.doubleclick.net/dc.js';
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var view_selector="div.center-section"; // + settings.view_name; + '.view-display-id-' + settings.display;
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var items_selector = content_selector + ' > div.rep-block'; // + settings.items_selector;
var pager_selector="div.next-story-block > div.view-zn-article-mc-all-2017 > div.view-content > div.clearfix"; // + settings.pager_selector;
var next_selector="div.next-story-block > div.view-zn-article-mc-all-2017 > div.view-content > div.clearfix > a:last"; // + settings.next_selector;
var auto_selector="div.tag-block";
var img_location = view_selector + ' > div.rep-block:last';
var img_path="
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//var img = '
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';
var img = img_path;
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//alert($(next_selector).attr('href'));
var x = 0;
var url="";
var prevLoc = window.location.pathname;
var circle = "";
var myTimer = "";
var interval = 30;
var angle = 0;
var Inverval = "";
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appendTo: content_selector,
content: items_selector,
runscroll: maindiv,
link: next_selector,
autoLoad: false,
page: 0,
start: function(){
$(img_location).after(img);
circle = $('.center-section').find('#green-halo');
myTimer = $('.center-section').find('#myTimer');
angle = 0;
Inverval = setInterval(function (){
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