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Dear Investor,
Yesterday, one of India’s top NBFCs slashed their fixed deposit rates by 0.42% for senior citizen women.
This may seem like a small technical move. But here’s the real financial impact:
| Parameter | Before (June 25, 2025) | After (June 26, 2025) |
| Interest Rate (60 months) | 8.65% | 8.23% |
| Effective Yield | 10.77% | 10.13% |
| Maturity Value (₹50 lakh) | ₹76,93,583 | ₹75,34,808 |
| Loss in Guaranteed Income | — | ₹1,58,775 ⚠️ |
This is not a prediction. This is not a forecast. ✅ This is today’s reality.
⚠️ Why This Matters for Retirement Planners
In a world of falling interest rates:
- Your future income shrinks every time you delay
- Reinvestment risk compounds every year
- You could lose lakhs in guaranteed cash flows
🔐 The Solution: Lock Certainty While You Can
💼 We strongly recommend allocating part of your retirement portfolio to deferred annuities or long-term FDs now.
Even if the yields are lower than your EPF or DSOP, they offer guaranteed income for life, unaffected by policy rate drops.
🧠 For SSC officers, senior citizens, and conservative investors, the window for high fixed income is closing fast.
✅ Next Step
Let us help you create a retirement income blueprint:
- Monthly payout goal: ₹XX,XXX
- Fixed income portion: ₹XX lakh
- Equity cushion & liquidity: Tailored for you
📞 Reply to this email or call us directly to discuss.
Warm regards,
Rajat Dhar
Managing Partner – Finogent Solutions LLP
📞 +91-9560489579
