{"id":2617,"date":"2023-12-19T08:45:46","date_gmt":"2023-12-19T08:45:46","guid":{"rendered":"https:\/\/wp-api.pocketful.in\/blog\/?p=2617"},"modified":"2025-09-27T11:14:53","modified_gmt":"2025-09-27T11:14:53","slug":"best-alternatives-to-fixed-deposits","status":"publish","type":"post","link":"https:\/\/wp-api.pocketful.in\/blog\/best-alternatives-to-fixed-deposits\/","title":{"rendered":"Best Alternatives To Fixed Deposits"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Best-Alternatives-To-Fixed-Deposits.png\" alt=\"Best Alternatives To Fixed Deposits\" class=\"wp-image-2661\" style=\"width:600px\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Best-Alternatives-To-Fixed-Deposits-1024x576.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Best-Alternatives-To-Fixed-Deposits-300x169.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Best-Alternatives-To-Fixed-Deposits-768x432.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Best-Alternatives-To-Fixed-Deposits-1536x864.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Best-Alternatives-To-Fixed-Deposits.png 1920w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Tired of investing in FDs, and looking for another option to invest?<\/p>\n\n\n\n<p>FDs are the most preferred choice for risk-averse investors in India. They are convenient, simple to understand, and safe\u2026.wait, are they really safe? It may or may not.<\/p>\n\n\n\n<p>After the recent fiasco of Yes Bank and PMC Bank, it can be understood that FDs are not 100% safe. Further, there are a few drawbacks, such as penalty for premature withdrawal, not so-flexible tenure, etc.<\/p>\n\n\n\n<p>What is the safest investment then? What are the other options that provide more flexibility or tax efficiency than Fixed Deposits? In this blog, we will explore answers to all such questions.<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search.png\" alt=\"Best alternatives to fixed deposit\" class=\"wp-image-2416\" style=\"object-fit:cover;width:281px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Search.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-transparent ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >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:\/\/wp-api.pocketful.in\/blog\/best-alternatives-to-fixed-deposits\/#Alternatives_to_FDs\" title=\"Alternatives to FDs\">Alternatives to FDs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/wp-api.pocketful.in\/blog\/best-alternatives-to-fixed-deposits\/#Options_for_Senior_Citizens\" title=\"Options for Senior Citizens\">Options for Senior Citizens<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/wp-api.pocketful.in\/blog\/best-alternatives-to-fixed-deposits\/#Why_Alternate_Options\" title=\"Why Alternate Options?\">Why Alternate Options?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/wp-api.pocketful.in\/blog\/best-alternatives-to-fixed-deposits\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/wp-api.pocketful.in\/blog\/best-alternatives-to-fixed-deposits\/#Frequently_Asked_Questions_FAQs\" title=\"Frequently Asked Questions (FAQs)\">Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-alternatives-to-fds\"><span class=\"ez-toc-section\" id=\"Alternatives_to_FDs\"><\/span>Alternatives to FDs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>Let\u2019s explore the options available to Investors:<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-1-mutual-funds\">1. Mutual Funds<\/h3>\n\n\n\n<p>These are pooled investments managed by a professional fund manager. There\u2019s an entire universe of mutual funds.<\/p>\n\n\n\n<p> <strong><em>Check out our blog to learn more:<\/em><\/strong> <a href=\"https:\/\/wp-api.pocketful.in\/blog\/mutual-funds-meaning-types-features-benefits-and-how-they-work\/\">Mutual Funds: Meaning, Types, Features, Benefits and How They Work.<\/a><\/p>\n\n\n\n<p>Broadly, there are Equity and Debt mutual funds. While equity mutual funds are riskier and more volatile, debt funds can be an alternative to fixed deposits. In finance, there\u2019s one simple rule: The higher the returns, the higher the risk.<\/p>\n\n\n\n<p><strong>Debt funds are classified on the basis of:<\/strong><\/p>\n\n\n\n<p>1. <strong>Duration:<\/strong> The longer the duration, higher the sensitivity of change in price of the bond.<\/p>\n\n\n\n<p>2. <strong>Types of investment:<\/strong> Debt funds invest money in several instruments ranging from money market instruments to corporate bonds. Gilt funds carry less default risk than credit-risk funds.<\/p>\n\n\n\n<p><strong><em>Check out our blog to learn more:<\/em><\/strong> <a href=\"https:\/\/wp-api.pocketful.in\/blog\/what-is-debt-mutual-funds-invest-in-the-best-debt-funds-in-india\/\">What is Debt Mutual Funds: Invest in the Best Debt Funds in India<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-2-bond-market\">2. Bond Market<\/h3>\n\n\n\n<p>Another method to get exposure to bonds is to directly invest in bonds. There are several methods to do so. You can directly place bids for various new offerings via brokers. Further, RBI recently launched a Retail direct platform to facilitate investment in govt. securities \u2013 Treasury bills, Central \/ State govt. Bonds, etc. However, direct investing in bonds requires thorough research and carries more risks. For newbies, investing in debt funds is ideal.<\/p>\n\n\n\n<p><strong>Fact:<\/strong> Government securities offer the maximum safety as they carry the Sovereign Guarantee.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-3-national-savings-scheme-nps\">3. National Savings Scheme (NPS)<\/h3>\n\n\n\n<p>It is a defined contribution voluntary pension scheme launched by Govt. of India. It is a low-cost product that can provide attractive market-linked returns. They invest in equity, bonds, and govt. securities and are managed by fund managers. Further, tax benefit upto INR 50,000 is available under this scheme. However, this is a pension scheme. Therefore, it comes with a lock-in period until the age of 60.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-3-floating-rate-saving-bonds-frsb\">3. Floating Rate Saving Bonds (FRSB)<\/h3>\n\n\n\n<p>FRSBs are issued by the Reserve Bank of India (RBI) on behalf of Govt. of India. As the name suggests, coupon rate is not fixed in FRBs like bonds. The coupon is linked to the National Savings Certificate (NSC) + 35 bps spread. They have a maturity of 7 years and do not provide any tax benefit, but coupon rate is generally higher.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-4-post-office-schemes\">4. Post Office Schemes<\/h3>\n\n\n\n<p>There are multiple post office schemes available to investors:<\/p>\n\n\n\n<p>1. <strong>Public Provident Fund (PPF)<\/strong> \u2013 A long term tax-saving investment option where the lock-in period is 15 years.<\/p>\n\n\n\n<p>2. <strong>Sukanya Samriddhi Account (SSA)<\/strong> \u2013 A govt. of India initiative targeted to the parents of girl children.<\/p>\n\n\n\n<p>3. <strong>National Savings Certificate (NSC) <\/strong>\u2013 A government savings bond scheme targeted to investors looking for tax savings. NSC has a lock-in period of five years.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-5-hybrid-funds\">5. Hybrid Funds<\/h3>\n\n\n\n<p>As the name suggests, they are a mix of equity and debt. They are further classified in the Aggressive or Conservative approach. Aggressive invests more in equity and less in debt instruments, while Conservative hybrid funds take more exposure in debt. Taxation of it depends on the equity exposure of the fund. <\/p>\n\n\n\n<p><strong><em>Check out our blog on taxation to learn more:<\/em><\/strong> <a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/taxation\/\">Decoding Mutual Funds Taxation In India<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-6-alternate-fds\">6. Alternate FDs<\/h3>\n\n\n\n<p>There are multiple types of Fixed Deposits available to investors, however, only bank FDs are common. List of other FDs that one can consider investing in:<\/p>\n\n\n\n<p><strong>1. Corporate FD<\/strong> \u2013 These FDs are issued by companies. Generally, they provide higher returns than Bank FDs. The interest rate of FDs can be significantly influenced by the credit rating of the FDs issued. The lower the rating, the higher the interest rate. <\/p>\n\n\n\n<p>However, direct investing in them is more-riskier, they are not insured by Deposit Insurance and Credit Guarantee Corporation (DICGC). Investing via debt funds is the ideal route.<\/p>\n\n\n\n<p><strong>2. Senior Citizen FDs:<\/strong> Investors aged more than 60 years are eligible to invest in Senior citizen FDs. They carry higher interest than regular FDs.<\/p>\n\n\n\n<p><strong>3. Tax Saving FDs:<\/strong> Unlike regular FDs, they provide tax benefit of up to INR 1,50,000 under section 80C but comes with a lock-in period of five years.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-options-for-senior-citizens\"><span class=\"ez-toc-section\" id=\"Options_for_Senior_Citizens\"><\/span>Options for Senior Citizens<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana.png\" alt=\"Investment options for senior citizens\" class=\"wp-image-2624\" style=\"aspect-ratio:4\/3;object-fit:cover;width:374px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana-1024x1024.png 1024w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana-300x300.png 300w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana-150x150.png 150w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana-768x768.png 768w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana-1536x1536.png 1536w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Active-elderly-people-pana.png 2000w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>1. Senior Citizen Savings Scheme (SCSS):<\/strong> SCSS is a post office scheme offered to senior citizens, i.e., 60 years and above. The interest rate in SCSS is higher as compared to other options, and also tax benefit under section 80C is there. However, a maximum of INR 30 lakhs can be invested in this, and they come with a lock-in period of five years.<\/p>\n\n\n\n<p><strong>2. Bank FDs:<\/strong>&nbsp; As the name suggests, senior Citizen FDs are targeted to senior citizens only. They offer higher interest rates and flexible tenure as compared to regular bank FDs. However, no tax benefit is available in such FDs.<\/p>\n\n\n\n<p><strong>Read Also: <\/strong><a href=\"https:\/\/www.pocketful.in\/blog\/a-guide-to-fixed-deposits-exploring-types-and-interest-rates\/\">A Guide To Fixed Deposits: Exploring Types And Interest Rates<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-alternate-options\"><span class=\"ez-toc-section\" id=\"Why_Alternate_Options\"><\/span>Why Alternate Options?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"481\" height=\"371\" src=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Picture2-1.png\" alt=\"why go for alternative options\" class=\"wp-image-2590\" style=\"width:307px;height:auto\" srcset=\"https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Picture2-1.png 481w, https:\/\/cms-resources.pocketful.in\/blog\/wp-content\/uploads\/2023\/12\/Picture2-1-300x231.png 300w\" sizes=\"auto, (max-width: 481px) 100vw, 481px\" \/><\/figure>\n\n\n\n<p>Now, you will ask why all this when one can simply invest in FDs, well there are multiple reasons:<\/p>\n\n\n\n<p><strong>1. Taxation:<\/strong> Capital gains from fixed deposits are taxed as per your income slab rate. If you fall in the bracket of 30%, then it might not be efficient for you.<\/p>\n\n\n\n<p><strong>2. Maturity:<\/strong> For long-term investment, FDs provide fewer options. In Bonds, you can even invest for 40 years. <\/p>\n\n\n\n<p><strong>3. Safety<\/strong>: After recent cases of PMC and Yes Bank, we can say that FDs are not 100% safe and so are the other investment option. Generally, the central govt. issued securities like Treasury Bills, Bonds are the safest instrument to invest as they are backed by Sovereign Guarantee. If such securities give higher returns, then investment in these is preferred over regular FDs.<\/p>\n\n\n\n<p><strong>Fact: <\/strong>Bonds issued by State Government \/ State Development Loans (SDLs) generally provide higher returns than regular bank FDs.<\/p>\n\n\n\n<p><strong>4. Withdrawal:<\/strong> In case of premature withdrawal in FDs, one has to pay penalties. However, in the case of instruments like bonds, you can sell in open market as well, even before the maturity (considering enough liquidity is available). Further, if market conditions are in favour of you, then apart from fixed coupons, you can also get capital gains.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>FDs are the most preferred investment option in India, but considering their recent fiasco and returns potential, exploring other investment options as per risk appetite and investment horizon can provide better diversification and safety. Few can give you better returns, and few instruments are more tax efficient.<\/p>\n\n\n\n<p>Consider the risk profile, investment horizon, and financial goal, then select the best available option that aligns with your goal and invest money there.<\/p>\n\n\n\n<figure class=\"wp-block-table has-small-font-size\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">S.NO.<\/th><th class=\"has-text-align-left\" data-align=\"left\">Check Out These Interesting Posts You Might Enjoy!<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\">1<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/ways-to-park-your-money\/\">Best Places To Park Your Short Term Money<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">2<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/which-is-better-fixed-deposit-or-residential-property-investment\/\">Which is Better: Fixed Deposit or Residential Property Investment<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">3<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/why-debt-funds-are-better-than-fixed-deposits-of-banks\/\">Why Debt Funds Are Better Than Fixed Deposits of Banks?<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">4<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/mutual-funds\/best-apps-for-sip-investment-in-india\/\">Best SIP Apps in India for Investment<\/a><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\">5<\/td><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/www.pocketful.in\/blog\/liquid-funds-vs-ultra-short-fund\/\">Liquid Funds Vs Ultra Short Fund: Which One Should You Choose?<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-faqs\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions_FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"saswp-faq-block-section\"><ol style=\"list-style-type:none\"><li style=\"list-style-type: none\"><h3 class=\"\">Which is more liquid: Liquid funds or Short duration funds?<\/h3><p class=\"saswp-faq-answer-text\">Liquid funds.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What is the maximum limit to invest in Senior Citizen Savings Scheme (SCSS)?<\/h3><p class=\"saswp-faq-answer-text\">One can invest up to INR 30,00,000 in SCSS.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">What are the investment options in which tax benefit under section 80C is available?<\/h3><p class=\"saswp-faq-answer-text\">Tax Savings FDs, National Savings Certificate (NSC), ELSS Funds, SCSS for Senior citizens, etc.<\/p><li style=\"list-style-type: none\"><h3 class=\"\">Are Fixed Deposits insured in India?<\/h3><p class=\"saswp-faq-answer-text\">Fixed deposits in India are secured till INR 5,00,000 by Deposit Insurance and Credit Guarantee Corporation (DICGC).<\/p><\/ul><\/div>\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tired of investing in FDs, and looking for another option to invest? FDs are the most preferred choice for risk-averse investors in India. They are convenient, simple to understand, and safe\u2026.wait, are they really safe? It may or may not. After the recent fiasco of Yes Bank and PMC Bank, it can be understood that [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2619,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"is_paper_insight":false,"paper_insight_image":0,"paper_insight_pdf":0,"paper_insight_ppt":0,"footnotes":""},"categories":[15,18],"tags":[],"class_list":["post-2617","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-personal-finance"],"acf":{"freelancer":"Mayank"},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.13 (Yoast SEO v21.2) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Alternatives To Fixed Deposits - Pocketful<\/title>\n<meta name=\"description\" content=\"Tired of investing in regular bank FDs and looking for alternative options? Check out our blog to learn more about alternative options.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Alternatives To Fixed Deposits\" \/>\n<meta property=\"og:description\" content=\"Tired of investing in regular bank FDs and looking for alternative options? 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