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Unlock Higher FD Returns: Why Your Bank Might Be Holding Back and How Savers Can Win Big!

Economy

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Published on 24th November 2025, 1:12 PM

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Author

Abhay Singh | Whalesbook News Team

Overview

Banks raise loan interest rates faster than Fixed Deposit (FD) rates because loan pricing is linked to external benchmarks while deposit rates are adjusted based on the bank's need for funds. Savers should compare rates across banks, especially smaller ones, and consider strategies like deposit laddering to benefit from rising interest rate cycles, as rising EMIs don't automatically mean better FD income.