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Are Bank Deposits Superior to other Investments?  What deposits are safe?

  • Bank deposits are one of the safest investments and risk of default is minimal
  • Investments in equities, company deposits, debentures, mutual funds  etc. is more risky.  However, investments in RBI Bonds, Government Securities are even more safe.
  • Banks deposits give an almost assured, fixed  and uninterrupted returns
  • The returns from equities, mutual funds is not assured.  The company deposits and debentures may stop servicing of interest any time due to losses.  However, investments in RBI bonds, PPF, Government  securities give assured returns.
  • It is easy to choose a deposit scheme at a Bank as they are simple and can be understood by a layman
  • The investments in equities and mutual funds is much more complicated and complex for a layman.  
  • There are no rebates available under Income Tax for deposits in Banks, except under special schemes now floated by Banks for availing the income tax rebates.
  • Deposits in schemes like NSC, PPF, Infrastructure allows rebates in Income Tax.
  • Bank deposits give lower rate of returns
  • Company Deposits, debentures, equities can give higher returns, but have higher degree of risk.


Interest Rates on Fixed Deposits by Various Banks Tips for Bank Deposits Tips for TDS on Bank Deposits Risks in Bank Deposits Loans on Bank Deposits Bank Deposits vs. other investments