{"id":9693,"date":"2025-07-28T15:02:03","date_gmt":"2025-07-28T15:02:03","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=9693"},"modified":"2026-02-24T09:23:47","modified_gmt":"2026-02-24T09:23:47","slug":"fd-rates-are-falling-explore-smarter-fixed-income-alternatives","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/","title":{"rendered":"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives"},"content":{"rendered":"<p>The Reserve Bank of India has cut interest rates three times this year (dropping the repo rate from 6.5% to 5.5%). Because of this &#8211; top banks like SBI and HDFC are lowering their FD rates too and now offering around <a href=\"https:\/\/www.paisabazaar.com\/fixed-deposit\/\">6.25% to 6.6%<\/a> (July 2025).<\/p>\n<p>With higher inflation in the market, the interest you earn from FDs is hard to save. And many individuals who rely on FDs for wealth growth are finding themselves in a difficult situation. To help you earn better returns, we\u2019ve put together this guide with fixed return options other than FD.<\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#What_Are_Other_Alternatives_to_FD\" >What Are Other Alternatives to FD?<\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#RBI_Floating_Rate_Savings_Bonds\" >RBI Floating Rate Savings Bonds<\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#AA-Rated_Bank_and_PSU_Bonds\" >AA-Rated Bank and PSU Bonds<\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#Corporate_Bond_Funds\" >Corporate Bond Funds\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#Summary_Table\" >Summary Table:<\/a><\/li><\/ul><\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#Want_More_From_Your_Savings_Its_All_About_the_Right_Mix\" >Want More From Your Savings? It\u2019s All About the Right Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#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-8\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#What_is_the_difference_between_a_corporate_bond_and_a_fixed_deposit\" >What is the difference between a corporate bond and a fixed deposit?<\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#How_can_I_invest_in_bonds_online_in_India\" >How can I invest in bonds online in India?<\/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-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#What_happens_if_a_company_defaults_on_its_bond_payment\" >What happens if a company defaults on its bond payment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#Can_senior_citizens_invest_in_bonds_for_regular_income\" >Can senior citizens invest in bonds for regular income?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#Are_bond_returns_taxable_like_FD_interest\" >Are bond returns taxable like FD interest?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_Are_Other_Alternatives_to_FD\"><\/span><b>What Are Other Alternatives to FD?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Simply said &#8211; Bonds. Here we will check out the several types of bonds in today\u2019s Indian market that provide decent yields with manageable risk.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"RBI_Floating_Rate_Savings_Bonds\"><\/span><b>RBI Floating Rate Savings Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Return:<\/b> <a href=\"https:\/\/timesofindia.indiatimes.com\/business\/financial-literacy\/investing\/rbi-floating-rates-savings-bonds-interest-rate-at-8-5-for-july-december-2025-heres-what-you-should-know\/articleshow\/122205745.cms\">8.05%<\/a> (reset every 6 months)<\/p>\n<p><b>What is it? <\/b>A safe investment from the Government of India. The interest changes every 6 months based on average FD rates offered by big banks, <a href=\"https:\/\/cleartax.in\/s\/rbi-floating-bond-interest-rates\">plus a little extra (0.35%)<\/a>. It\u2019s great for people looking for steady income without taking big risks.<\/p>\n<p><b>Risk &amp; Tax: <\/b>Very low risk. Backed by the government. But the interest you earn is fully taxable.<\/p>\n<p><b>Liquidity: <\/b>For investors under 60, a <a href=\"https:\/\/economictimes.indiatimes.com\/wealth\/save\/why-rbis-floating-rate-savings-bond-is-the-best-available-investing-option-now-for-conservative-investors\/articleshow\/122242336.cms?from=mdr\">7-year lock-in period<\/a> applies. Senior citizens, however, have more flexible premature redemption options, with specific lock-in periods determined by their age.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"AA-Rated_Bank_and_PSU_Bonds\"><\/span><b>AA-Rated Bank and PSU Bonds<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Avg. Return:<\/b> <a href=\"https:\/\/www.dezerv.in\/bonds\/psu-bonds\/\">7.7% to 8.5%<\/a><\/p>\n<p><b>What is it? <\/b>These are bonds issued by well-known public sector companies ((like REC, PFC) or leading public banks. They raise money from investors and pay regular interest in return. The &#8220;AA&#8221; rating is given by agencies like CRISIL, ICRA, or CARE, based on the company\u2019s ability to repay on time.<\/p>\n<p><b>Risk &amp; Tax: <\/b>These bonds carry moderate risk &#8211; generally considered safe, though not completely risk-free. Ratings reflect strong repayment ability, but investors should still check the issuer\u2019s background. The interest earned is <b>fully taxable as per your income slab<\/b>.<\/p>\n<p><b>Liquidity: <\/b>These bonds are listed on stock exchanges, which means you can sell them before maturity. However, getting the right buyer or price may sometimes take time, so it\u2019s best to invest only if you&#8217;re okay with holding till maturity.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Corporate_Bond_Funds\"><\/span><b>Corporate Bond Funds\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b>Return:<\/b> <a href=\"https:\/\/www.etmoney.com\/mutual-funds\/debt\/corporate-bond\/61#:~:text=Corporate%20Bond%20Mutual%20Funds,%25%20+%200.55%20%25%20+%200.55%20%25\">7.98% to 9.16%<\/a> (3-year annualised returns)<\/p>\n<p><b>What is it? <\/b>Corporate Bond Funds are mutual funds that invest mostly in bonds issued by companies. These companies borrow money from the fund and pay interest in return. The fund manager chooses high-quality bonds (usually rated AA and above) to balance safety and return.<\/p>\n<p><b>Risk &amp; Tax: <\/b>These funds carry moderate risk. The returns can fluctuate due to interest rate changes or if a company delays repayment. However, the risk is reduced as your money is spread across many bonds.<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">If held <b>less than 3 years<\/b>: Taxed as per your income slab.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">If held <b>more than 3 years<\/b>: Earlier taxed at 20% with indexation; check latest rules as tax norms have changed for debt funds.<\/li>\n<\/ul>\n<p><b>Liquidity: <\/b>They\u2019re quite flexible. You can withdraw anytime, and money usually comes to your account within 1\u20132 working days. Some funds may charge a small exit load if you redeem early.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Summary_Table\"><\/span><b>Summary Table:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><b>Investment Option<\/b><\/td>\n<td><b>Returns<\/b><\/td>\n<td><b>Risk &amp; Tax<\/b><\/td>\n<td><b>Liquidity<\/b><\/td>\n<\/tr>\n<tr>\n<td><b>RBI Floating Rate Savings Bonds<\/b><\/td>\n<td>8.05% (reset every 6 months)<\/td>\n<td>Very low risk; backed by the Govt. Interest is <b>fully taxable<\/b>.<\/td>\n<td>7-year lock-in for &lt;60 yrs. Early exit allowed for senior citizens based on age.<\/td>\n<\/tr>\n<tr>\n<td><b>AA-Rated Bank &amp; PSU Bonds<\/b><\/td>\n<td>7.7% \u2013 8.5%<\/td>\n<td>Moderate risk; interest is <b>fully taxable<\/b> as per slab. Issuer strength varies; check background.<\/td>\n<td>Listed and tradable on exchanges, but finding the right price\/buyer may take time.<\/td>\n<\/tr>\n<tr>\n<td><b>Corporate Bond Funds<\/b><\/td>\n<td>7.98% \u2013 8.99% (3-yr annualised)<\/td>\n<td>Moderate risk; returns may vary. Taxed as per slab (&lt;3 yrs). Earlier 20% with indexation (&gt;3 yrs).<\/td>\n<td>Highly liquid; withdraw anytime. Funds settle in 1\u20132 days. Exit load may apply briefly.<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Want_More_From_Your_Savings_Its_All_About_the_Right_Mix\"><\/span><b>Want More From Your Savings? It\u2019s All About the Right Mix<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Fixed deposits are a solid option if you\u2019re looking for safety and easy access to your money. On the other hand, bonds and debt mutual funds offer better returns with only a little more risk. You don\u2019t have to choose one over the other. A balanced mix of FDs and bonds can offer both stability and growth.<\/p>\n<p><b>Disclaimer:<\/b> Investments are subject to market risks. This content is for educational purposes only and should not be taken as financial advice. Please do your own research or consult a professional before making any investment decisions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><b>FAQs<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_difference_between_a_corporate_bond_and_a_fixed_deposit\"><\/span><b>What is the difference between a corporate bond and a fixed deposit?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>A corporate bond is like lending money to a company, they promise to pay you interest and return your money later. It can be traded before maturity and usually gives higher returns, but with some risk. A fixed deposit is a safer, fixed-return product from a bank, but cannot be traded.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_can_I_invest_in_bonds_online_in_India\"><\/span><b>How can I invest in bonds online in India?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>You can invest in bonds online through the internet by completing KYC and placing buy orders on authorized websites or exchanges. Just like buying something online, you choose a bond, pay through your account, and it gets added to your investment profile.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_happens_if_a_company_defaults_on_its_bond_payment\"><\/span><b>What happens if a company defaults on its bond payment?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>If a company defaults, it may delay or stop paying your interest or principal. You might get your money back through a legal process, but it can take time. Unlike FDs, bonds don\u2019t come with deposit insurance, so some risk of loss is involved.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Can_senior_citizens_invest_in_bonds_for_regular_income\"><\/span><b>Can senior citizens invest in bonds for regular income?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, many senior citizens choose bonds that pay interest regularly, like government or PSU bonds. These can be a good way to earn predictable income in retirement, especially if they don\u2019t want to take stock market risks.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Are_bond_returns_taxable_like_FD_interest\"><\/span><b>Are bond returns taxable like FD interest?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Yes, the interest you earn from bonds is taxed just like FD interest &#8211; as per your income tax slab. If you sell a bond before it matures and make a profit, that\u2019s called capital gain, and it&#8217;s also taxable depending on how long you held it.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Reserve Bank of India has cut interest rates three times this year (dropping the repo rate from 6.5% to 5.5%). Because&hellip;<\/p>\n","protected":false},"author":11,"featured_media":11926,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[226],"tags":[19,219],"class_list":["post-9693","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fixed-income","tag-fixed-income-investments","tag-bank-fd-rates"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives - GoldenPi | Blogs<\/title>\n<meta name=\"description\" content=\"With higher inflation, the interest earn from FDs is hard to save. To help you earn better returns, we\u2019ve put together this guide with fixed return options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives - GoldenPi | Blogs\" \/>\n<meta property=\"og:description\" content=\"With higher inflation, the interest earn from FDs is hard to save. To help you earn better returns, we\u2019ve put together this guide with fixed return options.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/\" \/>\n<meta property=\"og:site_name\" content=\"GoldenPi | Blogs\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/goldenpitech\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-28T15:02:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-24T09:23:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png\" \/>\n\t<meta property=\"og:image:width\" content=\"731\" \/>\n\t<meta property=\"og:image:height\" content=\"347\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:site\" content=\"@GoldenPiTech\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/\",\"url\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/\",\"name\":\"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives - GoldenPi | Blogs\",\"isPartOf\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png\",\"datePublished\":\"2025-07-28T15:02:03+00:00\",\"dateModified\":\"2026-02-24T09:23:47+00:00\",\"author\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7c025aca7a50cddb6077eced37cdde0d\"},\"description\":\"With higher inflation, the interest earn from FDs is hard to save. To help you earn better returns, we\u2019ve put together this guide with fixed return options.\",\"breadcrumb\":{\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#primaryimage\",\"url\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png\",\"contentUrl\":\"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png\",\"width\":731,\"height\":347,\"caption\":\"fixed income alternatives\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/goldenpi.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#website\",\"url\":\"https:\/\/goldenpi.com\/blog\/\",\"name\":\"GoldenPi | Blogs\",\"description\":\"All about bonds online in India\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/goldenpi.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7c025aca7a50cddb6077eced37cdde0d\",\"name\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/5870cdf2d120d12464f46dbb50ba857b0871fea100fe650a5856ed35a9a29612?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/5870cdf2d120d12464f46dbb50ba857b0871fea100fe650a5856ed35a9a29612?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g\",\"caption\":\"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi\"},\"description\":\"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.\",\"sameAs\":[\"goldenpi_\",\"https:\/\/www.linkedin.com\/company\/goldenpi\/?viewAsMember=true\"],\"url\":\"https:\/\/goldenpi.com\/blog\/author\/pratik\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives - GoldenPi | Blogs","description":"With higher inflation, the interest earn from FDs is hard to save. To help you earn better returns, we\u2019ve put together this guide with fixed return options.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/","og_locale":"en_US","og_type":"article","og_title":"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives - GoldenPi | Blogs","og_description":"With higher inflation, the interest earn from FDs is hard to save. To help you earn better returns, we\u2019ve put together this guide with fixed return options.","og_url":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/","og_site_name":"GoldenPi | Blogs","article_publisher":"https:\/\/www.facebook.com\/goldenpitech","article_published_time":"2025-07-28T15:02:03+00:00","article_modified_time":"2026-02-24T09:23:47+00:00","og_image":[{"width":731,"height":347,"url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png","type":"image\/png"}],"author":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","twitter_card":"summary_large_image","twitter_creator":"@GoldenPiTech","twitter_site":"@GoldenPiTech","twitter_misc":{"Written by":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","Est. reading time":"5 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/","url":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/","name":"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives - GoldenPi | Blogs","isPartOf":{"@id":"https:\/\/goldenpi.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#primaryimage"},"image":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#primaryimage"},"thumbnailUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png","datePublished":"2025-07-28T15:02:03+00:00","dateModified":"2026-02-24T09:23:47+00:00","author":{"@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7c025aca7a50cddb6077eced37cdde0d"},"description":"With higher inflation, the interest earn from FDs is hard to save. To help you earn better returns, we\u2019ve put together this guide with fixed return options.","breadcrumb":{"@id":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#primaryimage","url":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png","contentUrl":"https:\/\/d2zny4996dl67j.cloudfront.net\/blogs\/wp-content\/uploads\/2025\/07\/24092300\/FD-Rates-Are-Falling-%E2%80%93-Explore-Smarter-Fixed-Income-Alternatives.png","width":731,"height":347,"caption":"fixed income alternatives"},{"@type":"BreadcrumbList","@id":"https:\/\/goldenpi.com\/blog\/fixed-income\/fd-rates-are-falling-explore-smarter-fixed-income-alternatives\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/goldenpi.com\/blog\/"},{"@type":"ListItem","position":2,"name":"FD Rates Are Falling \u2013 Explore Smarter Fixed-Income Alternatives"}]},{"@type":"WebSite","@id":"https:\/\/goldenpi.com\/blog\/#website","url":"https:\/\/goldenpi.com\/blog\/","name":"GoldenPi | Blogs","description":"All about bonds online in India","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/goldenpi.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/7c025aca7a50cddb6077eced37cdde0d","name":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/goldenpi.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/5870cdf2d120d12464f46dbb50ba857b0871fea100fe650a5856ed35a9a29612?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/5870cdf2d120d12464f46dbb50ba857b0871fea100fe650a5856ed35a9a29612?s=96&d=https%3A%2F%2Fd2zny4996dl67j.cloudfront.net%2Fblogs%2Fwp-content%2Fuploads%2F2026%2F01%2F12111941%2FAbhijit-512x512-1-1-150x150.png&r=g","caption":"Abhijit Roy, CEO &amp; CO-Founder - GoldenPi"},"description":"With over 15 years of experience across fixed income and debt markets, he brings deep domain expertise along with a strong focus on investor education and transparency. An alumnus of IIT Kharagpur and IIM Calcutta, his views are personal and should not be considered investment advice.","sameAs":["goldenpi_","https:\/\/www.linkedin.com\/company\/goldenpi\/?viewAsMember=true"],"url":"https:\/\/goldenpi.com\/blog\/author\/pratik\/"}]}},"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9693","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/comments?post=9693"}],"version-history":[{"count":13,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9693\/revisions"}],"predecessor-version":[{"id":10777,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/posts\/9693\/revisions\/10777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media\/11926"}],"wp:attachment":[{"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/media?parent=9693"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/categories?post=9693"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goldenpi.com\/blog\/wp-json\/wp\/v2\/tags?post=9693"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}