he had a new heart. in recent times, it has been observed that the rates of interest rates on the deposit are continuously being reduced. due to this huge interest on bank fd is now under 7 per cent. a strong monetary policy on the part of rbi is being followed to stop the inflation, and it is believed that in the days to come, banks will have an interest rate and low. for people, it is important to know about the financial products that can give more returns than the bank fd in the coming days. in the present time, there are some of the government policies which give a huge return. you can get better returns with money in these volumes. because of the government 's investment, it is guaranteed by the government of india to guarantee your investments.