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| Tax treatment | Min investment | Compare | ||||
|---|---|---|---|---|---|---|
| HDFC Liquid | Very low | 6.5–7.5% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| SBI Liquid | Very low | 6.5–7.5% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| Nippon Liquid | Very low | 6.5–7.5% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| Axis Liquid | Very low | 6.5–7.5% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| Parag Parikh Liquid | Very low | 6.5–7.5% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| HDFC Overnight | Lowest | 5.5–7% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| SBI Overnight | Lowest | 5.5–7% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| Nippon Overnight | Lowest | 5.5–7% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| Axis Overnight | Lowest | 5.5–7% | None | Gains taxed at your slab rate as per debt fund rules (post-April 2023) | ₹500-1,000 minimum, no fixed maximum | |
| Available at HDFC, ICICI, Axis, Kotak, SBI | Very low | 7% fixed | None | Interest is fully taxable at your slab rate; TDS applies above the standard FD threshold | No separate minimum — activated on an existing savings account above the bank's set threshold | |
| HDFC (3.5%) | Zero | 7% fixed | None | Interest up to ₹10,000/yr (₹50,000 for senior citizens) is deductible under Section 80TTA/80TTB; above that, taxed at slab rate | No minimum for most zero-balance accounts | |
| Kotak 811 (up to 7%) | Zero | 7% fixed | None | Interest up to ₹10,000/yr (₹50,000 for senior citizens) is deductible under Section 80TTA/80TTB; above that, taxed at slab rate | No minimum for most zero-balance accounts | |
| AU Bank (up to 7%) | Zero | 7% fixed | None | Interest up to ₹10,000/yr (₹50,000 for senior citizens) is deductible under Section 80TTA/80TTB; above that, taxed at slab rate | No minimum for most zero-balance accounts |