4 best investment options in a lower interest rate environment: Letting your money sit in a low-yield savings account may make no sense—here’s how to make it work for you
Last Update Date: 06-10-2026
Published by Bhaskar English
Abhishek Kumar's role: Quoted
Abhishek Kumar explained how a sweep-in facility moves surplus savings into a linked fixed deposit and back when the balance dips, and described liquid funds as a place for emergency money or idle cash.
More of Abhishek's views on saving and deposits
After the RBI cut the repo rate in April 2025, several banks lowered savings account and fixed deposit rates. The article looks at alternatives for parking short-term money, including sweep-in deposit facilities, liquid and ultra short-term debt funds, arbitrage funds and higher-rate accounts from some digital platforms.
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4 best investment options in a lower interest rate environment: Letting your money sit in a low-yield savings account may make no sense—here’s how to make it work for you