Sweep-In FD: Earn FD Returns While Keeping Your Savings Accessible

A sweep-in fixed deposit is a banking feature that links a savings account to a fixed deposit, allowing idle money to earn FD-level interest. Unlike regular FDs, the appeal of a sweep-in FD is not a higher interest rate, as both products offer similar returns. The key advantage is liquidity — customers can access their funds without breaking the entire deposit. This makes it a practical option for those who want better returns on surplus savings without fully sacrificing flexibility.
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