Maximize Your FD Returns with These 5 Smart Strategies | Best Fixed Deposit & Tax Saving Tips

Want to earn higher returns on your Fixed Deposit (FD) and save tax legally?

Here are 5 smart FD strategies you must know:

1) Auto Sweep Facility – Earn FD interest on extra savings

2) FD Amount Limit – Avoid tax reporting by staying under ₹10 lakh

3) Higher Interest Rates – Get better returns from small finance banks & NBFCs

4) Best FD Tenure – Why does 365 days FD often give the highest interest?

5) FD Laddering – Ensure liquidity & maximize returns

Tax Saving Tips:
Submit Form 15G/15H to avoid TDS
Split FD across family members to reduce tax
Avoid FD in spouse/minor’s name to prevent clubbing rules

Have questions? Drop them in the comments! Subscribe for more financial tips!