@Siddarth If interest rates start dropping soon, I’m worried that my 'ladder' of short-term FDs will actually hurt my returns. Should I take the risk of locking my money in a five-year plan while rates are high, or would it be better to stick with short-term deposits? I'm wondering if I'm overthinking this.

How helpful are SGBAnalyzer's new alerts for tracking SGBs, considering current market trends? What are your general views on investing in SGBs?