# The best savings product your bank offers is the one it advertises less

Page: https://stenobird.com/podcast/daybreak-5886514/the-best-savings-product-your-bank-offers-is-the-one-it-advertises-less
Text version: https://stenobird.com/podcast/daybreak-5886514/the-best-savings-product-your-bank-offers-is-the-one-it-advertises-less.md
Podcast: [Daybreak](https://stenobird.com/podcast/daybreak-5886514)
Published: 2026-08-30T20:30:00+00:00
Episode link: https://share.transistor.fm/s/d472a1ae
Audio file: https://media.transistor.fm/d472a1ae/cefc0d5f.mp3
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JSON: https://stenobird.com/v1/public/podcasts/daybreak-5886514/episodes/the-best-savings-product-your-bank-offers-is-the-one-it-advertises-less
Duration seconds: 735

## Resource

At least 44% of Indians have their money sitting in savings accounts. These accounts earn only about a fraction of what a fixed deposit pays. But even though FDs earn more, the payoff is that you have to lock away your money for longer, and pay a penalty if you break the account prematurely. But did you know there's a product built to solve this exactly? It's called a Flexi-FD, and it promises FD-level returns with the liquidity that comes with savings accounts. Most banks offer it. And yet, not a lot of people have heard of it. The Ken's Inderpal Singh gets into why banks aren't exactly rushing to popularise a product that's supposedly a win for depositors, and what "flexible" doesn't always mean in practice. Daybreak is produced from the newsroom of The Ken, India’s first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

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## Transcript

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