Best account to keep Liquid Funds

[Ghost655]

Hello Guys, I have some idle cash as liquid funds lying round in my icici account earning around 3% interest i think.
I have invested in liquid funds , but in such uncertain times i want to keep the rest of the money in some bank account if possible.
My requirements:- A bank with good rate of interest in savings and a bank with minimal / no charges for debit card and sms if possible as i will keep money idle for long time.
I will consider FD if ROI is much higher. I see lot of guys walking about IDFC here in forum , it seems good with 5% ROI in savings with free debit card (if i get it this month) , and i can get a a free cc it seems.
Any other banks please suggest , i have relationship with icici, bandhan and corporation now.

 

[Ghost655]

@Batmanbaba @anirbanm Sir, Tagging you guys i get most of the help from you Guys. Really Appreciate your help

 

[BankExpertIndia]

IndusInd Gives Good Interest Rate On FD Like 6-6.5%. So Can Keep The Funds Their

IDFC Is Also Very Good And Have Similar Rates To IndusInd.

As You Have A Account In ICICI Can Also Make An FD If Don't Want To Open A New Account.

 

[Ghost655]

ICICI FD 1 yr -5.35%
IDFC FD 6.00% to 6.25% i see it has better rates

Why did you guys suggest ICICI as i have relationship with them. And is it true IDFC will giving free LTF DC after this month

 

[iAmPm]

Look out to small finance banks. If they suit you, they are the best in terms of saving and deposit rates.

 

[BankExpertIndia]

Look out to small finance banks. If they suit you, they are the best in terms of saving and deposit rates.

I Suggest Never Look At Them Except Jupiter... You'll Land In Great Trouble

 

[BankExpertIndia]

ICICI FD 1 yr -5.35%
IDFC FD 6.00% to 6.25% i see it has better rates

Why did you guys suggest ICICI as i have relationship with them. And is it true IDFC will giving free LTF DC after this month

We Suggested ICICI Bcz Of Existing Relationship With Them.... Yes It's True That IDFC Debit Card Will Become Chargeable After 30th June

 

[Ghost655]

We Suggested ICICI Bcz Of Existing Relationship With Them.... Yes It's True That IDFC Debit Card Will Become Chargeable After 30th June

SO if i make an account today , the DC i will be free forever. i dont see any news about this. I already have my salary account/ paid insurance there ,s o i dont think i need give any more business there.

In icici i was thinking of Money Multiplier FD , but dont understand it clearly. Simple FD savings will be good for simplicity.

 

[Ghost655]

I Suggest Never Look At Them Except Jupiter... You'll Land In Great Trouble

Ok Thanks for the heads up i once was looking into them.

 

[Ghost655]

Look out to small finance banks. If they suit you, they are the best in terms of saving and deposit rates.

Yes i do have some near home , I have a Bandhan where i already have an account , thinking of Jana small finance bank, as i will also get a Rupay plat card. But various charges are there.

 

[BankExpertIndia]

SO if i make an account today , the DC i will be free forever. i dont see any news about this. I already have my salary account/ paid insurance there ,s o i dont think i need give any more business there.

In icici i was thinking of Money Multiplier FD , but dont understand it clearly. Simple FD savings will be good for simplicity.

There Is Nothing Like A Free DC Offer In IDFC... It's So Simple That "IDFC Will Be Start Charging Debit Card Charges After 30th June". So If You Want To Have An Account With IDFC Open It Now!!!

 

[BankExpertIndia]

Yes i do have some near home , I have a Bandhan where i already have an account , thinking of Jana small finance bank, as i will also get a Rupay plat card. But various charges are there.

If Don't Like Bandhan You Can Close It... And Open StanC (You'll Start Loving The Experience).... For RuPay Platinum / RuPay Select Open An Account In SBI / PNB / BOB.

 

[Ghost655]

There Is Nothing Like A Free DC Offer In IDFC... It's So Simple That "IDFC Will Be Start Charging Debit Card Charges After 30th June". So If You Want To Have An Account With IDFC Open It Now!!!

What i meant to ask. If i make an account today in IDFC will i charged for DC every year going on foreword like other banks for will it be free. Justy want to be sure.

 

[pranavcool]

wait for 6 mnths there will be another repo rate hike for sure

 

[yolofino]

I Suggest Never Look At Them Except Jupiter... You'll Land In Great Trouble

What are your reasons?

FYI, Jupiter is backed by Federal bank, not a small finance bank.

 

[BankExpertIndia]

What i meant to ask. If i make an account today in IDFC will i charged for DC every year going on foreword like other banks for will it be free. Justy want to be sure.

Your Debit Card Will Be LTF.... Just Go And Open Your Account Before 30th June

 

[BankExpertIndia]

What are your reasons?

FYI, Jupiter is backed by Federal bank, not a small finance bank.

Sir, Please Read What I Have Written

 

[Ghost655]

There Is Nothing Like A Free DC Offer In IDFC... It's So Simple That "IDFC Will Be Start Charging Debit Card Charges After 30th June". So If You Want To Have An Account With IDFC Open It Now!!!

I am a in semi- urban area so no Slandered chartered here but my they have one near my office will look. I have bob will look into it. in SBI they dont even treat as humans so public banks are not for me.

 

[Ghost655]

wait for 6 mnths there will be another repo rate hike for sure

That thing is for sure , its no joke, and the markets were a blood bath due to FII.

 

[pranavcool]

That thing is for sure , its no joke, and the markets were a blood bath due to FII.

i am also waiting for fds to touch at least 6.75-7