In 2025, you cannot become rich only by keeping money in the bank.
What are the better options than a savings account?
Why are liquid funds better?
How to make big funds with small amount?
In 2025, you cannot become rich only by keeping money in the bank. Inflation is slowly eating your deposit capital. Now is the time to change thinking.
Large banks like SBI, HDFC, ICICI pay only 2.5% to 2.75% interest on savings account. That is, only Rs 200–250 annual interest on Rs 1 lakh.
Inflation in India is around 6%. If you are getting only 2.7% interest, then your money is actually decreasing by 3% every year.
If the money is lying in a savings account and is not working, then it is the same as an employee is given salary without work. That is, loss.
Keep the money as much as the required expenses of only 3 to 6 months in a savings account. Invest the remaining amount smartly.
What are the better options than a savings account?
Liquid Mutual Fund: About 6.9% Return
Short Term Date Fund: A little more returns
Fixed Deposit (FD): For Conservative Investors
Why are liquid funds better?
Liquid funds get money in 1-2 days, tax is also relieved and better than returns saving accounts-more than 6.3%.
How to make big funds with small amount?
You can start investing from 500 rupees a month. The money invested with the right place and patience can become a big fund in the future.