The companies were found to be charging excessive interest rates, which did not comply with the guidelines outlined in the apex bank’s regulations
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Debt funds offer better returns, more flexibility and greater liquidity compared to fixed deposits. If you are absolutely risk-averse, fixed deposits may be a safer option
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Check the effective annual rate rather than just promotional offers. Always read the fine print for any hidden charges
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The regulator may circulate some tighter regulatory norms to suppress the credit risks in the coming future, notably for the loan segment with higher delinquencies
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These funds are a great option for short term liquidity management and parking aside emergency funds
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