With a sweep-in FD, you could earn
₹0 more
every year
Interest on your idle money, every year
Savings account 2.5%₹0
Sweep-in FD 7%₹0
Difference₹0
—
Rates are assumptions for illustration, not offers from any bank. Your bank’s rates may differ.
Need it? It comes back on its own.
When you spend more than the threshold, the bank converts the FD back to cash and puts it in your account. Your money stays as usable as it is today.
Safe money doesn’t have to be sleeping money.
How we calculated this
- Savings account at 2.5%, sweep-in FD at 7% a year. Actual rates vary by bank.
- Threshold of ₹50,000 stays in savings. Everything above it is swept.
- Both compound every quarter. Figures are before tax.
- Your balance is assumed to stay the same. Premature-withdrawal terms differ by bank.
Illustrative only. Not an offer or advice. FD interest is taxable at your slab.