{"id":12327,"date":"2026-02-27T11:08:29","date_gmt":"2026-02-27T11:08:29","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=12327"},"modified":"2026-02-27T11:08:29","modified_gmt":"2026-02-27T11:08:29","slug":"why-most-indians-have-only-fds-and-why-thats-a-problem","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/","title":{"rendered":"Why Most Indians Have Only FDs and Why That&#8217;s a Problem"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">On 28 August 2025, the Reserve Bank of India (RBI) released its <\/span><i><span style=\"font-weight: 400;\">\u201cHandbook of Statistics on the Indian Economy 2025\u201d.<\/span><\/i><span style=\"font-weight: 400;\"> This report offers detailed insights into how Indian households save and invest. Table 47 of this handbook shows that savings deposits with scheduled commercial banks increased from \u20b949,74,715 crore in 2020\u201321 to \u20b964,77,320 crore in 2024\u201325. This represents an impressive growth of about 30.2% during the 5-year period.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Interpretation?<\/span><\/i><span style=\"font-weight: 400;\"> Fixed deposits continue to be one of the most preferred investment options for Indians. The assurance of pre-determined returns and complete insulation from market volatility make them attractive across age groups.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">But are FDs enough? Can they outpace inflation and protect your real purchasing power? <\/span><\/i><span style=\"font-weight: 400;\">The answer could be a \u201cNO\u201d! Studies show that nowadays a growing number of investors are moving beyond FDs and have started exploring market-linked instruments.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But why? Read this article to check out the three major problems you may face with FD-only investments.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#Have_an_FD-Dominant_Portfolio_3_Major_Risks_You_Might_Be_Exposed_To_in_2026\" >Have an FD-Dominant Portfolio? 3 Major Risks You Might Be Exposed To in 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#1_FDs_May_Not_Keep_Pace_With_Rising_Inflation\" >1. FDs May Not Keep Pace With Rising Inflation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#2_FDs_May_Offer_Comparatively_Lower_Returns\" >2. FDs May Offer Comparatively Lower Returns<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#3_Taxation_Reduces_Your_Actual_FD_Returns\" >3. Taxation Reduces Your Actual FD Returns<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#In_Summary_FDs_May_Not_Keep_Pace_With_Inflation_and_Offer_Lower_Post-Tax_Returns_in_2026\" >In Summary, FDs May Not Keep Pace With Inflation and Offer Lower Post-Tax Returns in 2026<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#1_What_is_the_reinvestment_risk_associated_with_FDs\" >1. What is the reinvestment risk associated with FDs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#2_How_do_bonds_differ_from_FDs\" >2. How do bonds differ from FDs?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#3_What_is_the_relationship_between_the_assigned_credit_rating_and_the_coupon_rate_offered_by_a_bond\" >3. What is the relationship between the assigned credit rating and the coupon rate offered by a bond?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#4_What_is_the_latest_interest_rate_offered_by_bonds_in_2026\" >4. What is the latest interest rate offered by bonds in 2026?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-deposit\/why-most-indians-have-only-fds-and-why-thats-a-problem\/#Citations\" >Citations<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Have_an_FD-Dominant_Portfolio_3_Major_Risks_You_Might_Be_Exposed_To_in_2026\"><\/span><span style=\"font-weight: 400;\">Have an FD-Dominant Portfolio? 3 Major Risks You Might Be Exposed To in 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">FD-only investors depend on a single type of financial instrument, which creates \u201c<\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-does-diversification-help-the-investor-to-grow-their-portfolio\/\"><span style=\"font-weight: 400;\">concentration risk<\/span><\/a><span style=\"font-weight: 400;\">\u201d. Note that different assets perform differently under changing economic conditions. For example,\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Equities benefit from economic growth<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bonds benefit from interest rate changes<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Now, such investors miss gains during economic expansion, rising markets, or favourable bond cycles. Additionally, some more risks investors with an FD-dominated portfolio may face are:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_FDs_May_Not_Keep_Pace_With_Rising_Inflation\"><\/span><span style=\"font-weight: 400;\">1. FDs May Not Keep Pace With Rising Inflation<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A fixed deposit may protect your capital from market risk, but it does not offer protection from <\/span><a href=\"https:\/\/goldenpi.com\/blog\/financial-matters\/did-you-know-about-the-hidden-form-of-inflation\/\"><span style=\"font-weight: 400;\">inflation<\/span><\/a><span style=\"font-weight: 400;\">. As per industry understanding, when inflation exceeds your FD rate, your purchasing power decreases.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Want to see how?<\/span><\/i><span style=\"font-weight: 400;\"> Let\u2019s understand how inflation reduces the real value of your FD returns through a hypothetical example. Assume you invest \u20b91,00,000 in a cumulative FD at 6% interest for 5 years, and the inflation remains at 6.5%.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Now, observe how your real gain\/loss changes over the FD term:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><strong>Year<\/strong><\/th>\n<th><strong>FD Value at 6% (A)<\/strong><\/th>\n<th><strong>Inflation-Adjusted Value at 6.5% (B)<\/strong><\/th>\n<th><strong>Real Gain\/ Loss (A &#8211; B)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">0<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,06,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b999,530<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-\u20b9470<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,12,360<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b999,067<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-\u20b9933<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,19,102<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b998,608<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-\u20b91,392<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,26,248<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b998,155<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-\u20b91,845<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,33,823<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b997,707<\/span><\/td>\n<td><span style=\"font-weight: 400;\">-\u20b92,293<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">Your FD grows from \u20b91,00,000 to \u20b91,33,823 after 5 years. In nominal terms, it is a gain of \u20b933,823 (\u20b91,33,823 &#8211; \u20b91,00,000). However, after adjusting for 6.5% inflation, the real value of your maturity amount is only \u20b997,707 in today\u2019s terms. This means your money has lost \u20b92,293 in purchasing power, even though the FD balance increased.<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">The result?<\/span><\/i><span style=\"font-weight: 400;\"> Your savings grow numerically, but you may fail to preserve your lifestyle or future spending capacity.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_FDs_May_Offer_Comparatively_Lower_Returns\"><\/span><span style=\"font-weight: 400;\">2. FDs May Offer Comparatively Lower Returns<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Note that FDs are designed to provide capital protection and predictable income. Their returns do not change based on how the economy or businesses perform. Due to a lack of market exposure, FD investors do not benefit from:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rising corporate profits<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Expanding industries<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Increasing domestic market demand<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In contrast, market-linked instruments such as <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/what-are-the-advantages-of-investing-in-secured-nbfc-bonds\/\"><span style=\"font-weight: 400;\">bonds<\/span><\/a><span style=\"font-weight: 400;\"> and equities participate in economic expansion. When businesses grow and earnings increase, these instruments may offer comparatively higher returns than FDs.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For more clarity, let\u2019s see how much \u20b91,00,000 invested for 5 years across different instruments can accumulate <\/span><i><span style=\"font-weight: 400;\">(assuming annual compounding)<\/span><\/i><span style=\"font-weight: 400;\">:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<thead>\n<tr>\n<th><strong>Investment Type<\/strong><\/th>\n<th><strong>Annual Return<\/strong><\/th>\n<th><strong>Amount Invested (A)<\/strong><\/th>\n<th><strong>Value After 5 Years (B)<\/strong><\/th>\n<th><strong>Total Gain (B-A)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/sbi.bank.in\/web\/interest-rates\/deposit-rates\/retail-domestic-term-deposits\"><span style=\"font-weight: 400;\">SBI Cumulative Fixed Deposit<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">6.05%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,34,096<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b934,096<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">AAA-rated Bond<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">7.55%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,43,891<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b943,891<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/www.niftyindices.com\/market-data\/return-profile\"><span style=\"font-weight: 400;\">NIFTY 50 Index<\/span><\/a> <i><span style=\"font-weight: 400;\">(5-year returns, as of February 24, 2026)<\/span><\/i><\/td>\n<td><span style=\"font-weight: 400;\">13.14%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,85,387<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b985,387<\/span><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">BBB-rated High-Yield Bond<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">13.80%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,00,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b91,90,774<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u20b990,774<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">So, you can observe that the SBI FD grows to \u20b91,34,096 and generates a gain of about \u20b934,096. In contrast, an AAA-rated bond grows to \u20b91,43,891. But if we talk about the riskier options:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The NIFTY 50 grows the same \u20b91,00,000 to \u20b91,85,387 and creates more than 2.5 times the wealth created by the FD.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High-yield bonds also delivered a similar outcome and reached \u20b91,90,774.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Thus, investors relying only on FDs may preserve their savings, but they may fall behind in terms of long-term financial growth and goal achievement.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Taxation_Reduces_Your_Actual_FD_Returns\"><\/span><span style=\"font-weight: 400;\">3. Taxation Reduces Your Actual FD Returns<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">FD interest is fully taxable as per your income tax slab. This directly reduces your real earnings. For example,\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assume that your FD pays 6% and you fall in the 30% tax bracket.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Now, your post-tax return drops roughly to about 4.2% [6% x (1 &#8211; 30%)].\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In contrast, some market-linked instruments may offer more favourable <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/capital-market\/union-budget-2025-26-analyzing-its-impact-on-the-indian-debt-market\/\"><span style=\"font-weight: 400;\">tax treatment<\/span><\/a><span style=\"font-weight: 400;\">, which improves your net returns. These products could be:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The Unit Linked Insurance Plans (ULIPs) combine investment with insurance and provide exposure to equity and debt markets.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Their maturity proceeds are usually tax-free under Section 10(10D) of the Income Tax Act, 1961.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Similarly, tax-free bonds may offer interest that is fully exempt from income tax.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This could make their \u201ceffective return\u201d higher than taxable instruments (even if the advertised coupon rate appears similar).\u00a0<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"In_Summary_FDs_May_Not_Keep_Pace_With_Inflation_and_Offer_Lower_Post-Tax_Returns_in_2026\"><\/span><span style=\"font-weight: 400;\">In Summary, FDs May Not Keep Pace With Inflation and Offer Lower Post-Tax Returns in 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So now you know the various risks you are exposed to when you have an FD-dominant portfolio. Since FDs are non-market-linked instruments, they usually offer lower returns compared to financial products like <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/capital-market\/bonds-vs-equities-understanding-the-risk-and-return-trade-off\/\"><span style=\"font-weight: 400;\">bonds and equities<\/span><\/a><span style=\"font-weight: 400;\">, which benefit from economic growth and market participation.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, FDs may struggle to keep pace with inflation, and taxation further reduces their effective returns (particularly for investors in higher tax brackets). Gradually, this limits both \u201creal wealth creation\u201d and income growth.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So, if you are looking to diversify your FD-heavy portfolio, bonds may be considered. They could offer a better balance between stability and return potential. To <\/span><a href=\"https:\/\/goldenpi.com\/corporate-bonds\"><span style=\"font-weight: 400;\">check out multiple bond options<\/span><\/a><span style=\"font-weight: 400;\">, you may visit platforms like GoldenPi, a SEBI-registered debt broker and OBPP (Online Bond Platform Provider) license holder.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, investments can be made online in 3 easy steps. First, complete your KYC, then browse multiple bonds, and lastly make the payment. The purchase bonds will be credited directly to your linked demat account.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><span style=\"font-weight: 400;\">FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_the_reinvestment_risk_associated_with_FDs\"><\/span><span style=\"font-weight: 400;\">1. What is the reinvestment risk associated with FDs?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">FD returns are pre-determined only for the current term. When the FD matures, you must reinvest at the prevailing interest rate. Thus, if your FD matures in a falling interest rate environment, your future income could decline.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_do_bonds_differ_from_FDs\"><\/span><span style=\"font-weight: 400;\">2. How do bonds differ from FDs?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Both FDs and bonds offer pre-determined income. However, they differ in terms of liquidity and return potential. FDs are issued by banks and are not traded in the secondary market. In contrast, bonds are issued by governments or companies and can be traded in the secondary market before maturity. Depending on credit quality, bonds may also offer comparatively higher returns.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_What_is_the_relationship_between_the_assigned_credit_rating_and_the_coupon_rate_offered_by_a_bond\"><\/span><span style=\"font-weight: 400;\">3. What is the relationship between the assigned credit rating and the coupon rate offered by a bond?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As per industry understanding, both are inversely related. Usually, higher-rated bonds (such as AAA or AA-rated) offer lower coupon rates because they carry lower risk. In contrast, lower-rated bonds offer higher interest rates to compensate investors for taking on additional credit risk.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_What_is_the_latest_interest_rate_offered_by_bonds_in_2026\"><\/span><span style=\"font-weight: 400;\">4. What is the latest interest rate offered by bonds in 2026?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">In 2026, you can earn up to 15% p.a. with corporate bonds. To check out multiple options, you may visit GoldenPi. Here, you can explore <\/span><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">highly-rated bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">high-yield bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/state-government-guranteed-bonds\"><span style=\"font-weight: 400;\">state government guaranteed bonds<\/span><\/a><span style=\"font-weight: 400;\">, and more.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Citations\"><\/span><span style=\"font-weight: 400;\">Citations<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.rbi.org.in\/scripts\/AnnualPublications.aspx?head=Handbook%20of%20Statistics%20on%20Indian%20Economy\"><span style=\"font-weight: 400;\">Handbook of Statistics on Indian Economy &#8211; Reserve Bank of India<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.rbi.org.in\/scripts\/PublicationsView.aspx?id=23221\"><span style=\"font-weight: 400;\">Publications &#8211; Reserve Bank of India<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.financialexpress.com\/money\/insights\/the-end-of-the-fd-era-why-indian-families-are-swapping-7-fds-for-market-risk\/4134145\/\"><span style=\"font-weight: 400;\">The end of the FD era? Why Indian families are swapping 7% FDs for market risk &#8211; Money Insights News | The Financial Express<\/span><\/a><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">________________________________________________________<\/span><\/p>\n<p><strong>Disclaimer:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is the reinvestment risk associated with FDs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Fixed Deposit (FD) returns are predetermined only for the current term. Once the FD matures, reinvestment must be done at prevailing interest rates. If interest rates decline at maturity, future income from reinvestment may be lower.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How do bonds differ from FDs?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Both FDs and bonds offer predetermined income, but they differ in liquidity and return potential. 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This report&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12334,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[225],"tags":[357,917,918],"class_list":["post-12327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-deposit","tag-fd","tag-fd-dominant-portfolio","tag-fd-returns"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do You Invest Only in FDs? 3 Major Risks You Always Ignore!<\/title>\n<meta name=\"description\" content=\"Have an FD-dominant portfolio in 2026? FDs may offer predetermined income but could fail to keep pace with inflation. 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