New Delhi, May 9 -- Fixed Deposit (FD) laddering strategy involves dividing a lump sum investment across multiple fixed deposits with different maturity periods, instead of putting the entire amount in a single long-term deposit.

By following this strategy, investors can make the withdrawal process becomes more flexible, since locking all savings into one tenure may lead to liquidity issues if funds are required before maturity or if interest rates change during the investment period.

The Reserve Bank of India (RBI) has kept the repo rate unchanged at 5.25% in its April 2026 monetary policy committee (MPC) meeting, marking the second consecutive policy review in which the central bank has maintained rates at the same level. In February ...