Almost all the banks give the same rate of interest on RDs but here are the top five banks that are best for opening an RD account:
Yes Bank: Provides 7.75% of interest rate.
SBI Bank: Provides 7.0% of interest rate.
IDFC First Bank: Provides 7.50% of interest rate.
Kotak Mahindra Bank: provides 7.10% of interest rate.
RBL Bank Bank: provides 7.50% of interest rate.

For Senior Citizens:

Yes Bank: Provides 8.25% of interest rate.
SBI Bank: Provides 7.50% of interest rate.
IDFC First Bank: Provides 8% of interest rate.
Kotak Mahindra Bank: provides 7.60% of interest rate.
RBL Bank : provides 8.0% interest rate.

Both long-term FD and short-term FD have their advantages and features according to the financial goals.
Short-term FD:
In short-term FD you can invest for a short period (a few days to two years) only. Also, it is good for short-term liquidity needs you can access your money whenever you need.
Long-Term FD:
In long-term FD you can invest for a long period (5 to ten years). Long-term FD provides higher interest rates and is good for long-term financial goals.
So, both long-term FD and short-term FD have their own benefits. If you want higher interest returns then long-term FD is a good option. And, If you have liquidity needs shortly then short-term FD is a good option.

First, always confirm the recipient number with name before any transaction or start your payment with 1 rupee to check the right account. If by mistake you send the money to the wrong account, then follow these steps to get your money back:

Try to contact the recipient and request to send the money back. Use the Request Money feature of Google Pay to get the money back. Note all the details and history of the transaction and contact your bank or call your bank customer services. If the bank does not provide you with any support then complaint a file with NPCI at https://www.npci.org.in and go to UPI Dispute Redressal Mechanism. If you suspect fraud then file a complaint at https://cybercrime.gov.in/.

First, see what's the status of the transaction. If it says "pending," it will take 7-8 days for the money to be sent back to your account. If not, carefully look over your bank records to make sure you remember the exact amount that was taken out and the date and time of the transaction.

Contact Kotak Bank's customer care and tell them about the whole situation; they will raise the dispute for a failed transaction.

If Amazon received the money, the bank will provide the Transaction Reference Number (ARN).

Contact Amazon customer care and explain the whole situation to them. Give them the order number, the date of the purchase, and any error messages you get. Send them the ARN and some other information, then ask for a return or the order to be filled.

If nothing else works, email Kotak Bank's customer service and ask for a refund. Send them all the proofs, like screenshots, bank records, and information about your Amazon order. Then wait 30 days.

If the bank is not able to resolve your issue, then write to RBI Ombudsman through the CMS portal (https://cms.rbi.org.in/).

Thanks for your suggestion. My father invested some money in mutual funds and some in PPF, as he does not want to take too much risk now.

If the future of cryptocurrency is uncertain, then should we invest in crypto now?

Both land and REITs have their strengths and weaknesses. Land is good for long-term wealth. However, it requires a significant investment and a high level of patience. But REITs offer you more liquidity and steady income.

So for your father, REITs are a more suitable and hassle-free option because of their liquidity and regular payouts.

The best health insurance depends on reputable companies, your needs, an easy claims process, coverage, premiums, and good hospitals; these are the basic requirements for selecting any health insurance.

ICICI Lombard Complete Health Insurance and Niva Bupa Health Companion are the best ones. ICICI Lombard Complete Health Insurance offers a wide range of coverage options, a swift claims process, and the convenience of a cashless facility.

Niva Bupa Health Companion provides excellent coverage for you and for your family and also offers an easy claims process.

Yes, you can easily get the loan against your FD from the bank. Most banks can give 90–95% of a loan with your FD value at a lower interest rate than other types of loans. Every bank offers the loans on FD, but the terms and conditions may vary. So read the terms carefully.

Star Health Insurance, Niva Bupa Health Insurance, ManipalCigna ProHealth Insurance.

These are the best health insurance plans, which provide coverage for mental illness, cover pre- and post-hospitalization expenses, and cover therapy expenses as well. You can select the insurance according to your needs.

It's a beneficial move to rebalance your portfolio. This will help to reduce the risk by shifting your investments to debt funds.

Hardware wallets are the optimal choice for storing our keys. Tell me, what is the difference between the Ledger Nano X and Trezor Model T? And on what basis should I select?

Most banks don't approve the loans if you are not filling out your ITR, as banks require your income proof to verify your ability to repay the loan. So it's difficult for you to get the loan. However, certain banks or digital lenders may be able to provide a small loan amount based on your savings account transactions. You can try non-banking financial companies (NBFCs); they give you loans without ITR.

@Kiara It's always better to diversify your funds to get better exposure to different sectors and a low-risk factor. So you should definitely diversify your SIP into different mutual funds.

The best funds to invest right now are:

Large-cap equity funds. Flexi Cap Funds. Hybrid funds.

All these funds will give you stable growth on a low-risk basis.

Is there any other app that provides excellent cashback offers? I am using GPay, and I am not getting any beneficial offers on it.

A weaker rupee means India needs to export more in the global market. But it may increase import costs and inflation, which ultimately benefits the exporters and other sectors. This is a short-term dip, and this is not going to impact the economy of India. The economy depends on various other factors like agriculture, industries, service sectors, foreign trade, and many more.

Thanks for the reply. I already filled the complaint; hopefully, I will get rid of this issue very soon.

The most reliable and trustworthy app for trading Bitcoin and Ethereum in India is CoinSwitch. An estimated 6 million individuals use this app for trading. This software makes it simple to set up an account and begin trading in a matter of minutes. About 170 different coins are available for trading on this app.
CoinDCX, ZebPay (the oldest trading app), and many others are available for trading.