Step 02 · Agent output

The recommended portfolio,
rung by rung.

Recommended allocation · 5 banks
Generated 2m ago by Bank Selection Agent
Equal-risk Optimal
Corpus
₹25.0 L
Blended 7.58%
Bajaj Finance · NBFC
AAA · 18 mo · 8.35%
28%₹ 7,00,000
Shriram Finance · NBFC
AA+ · 24 mo · 8.30%
22%₹ 5,50,000
Suryoday SFB · Small-finance
AA+ · 12 mo · 8.25%
18%₹ 4,50,000
Unity SFB · Small-finance
AA+ · 9 mo · 8.15%
16%₹ 4,00,000
Mahindra Finance · NBFC
AA+ · 36 mo · 8.20%
16%₹ 4,00,000
DICGC · Fully insured
Every rupee of your ₹25,00,000 is covered across 5 accounts.
Deposit Insurance & Credit Guarantee Corp. covers up to ₹5,00,000 per depositor per bank. Our 5-bank split keeps 100% of your principal + accrued interest inside the coverage envelope.
100%
Coverage
Expected annual returns
Assumes reinvestment at prevailing rung yields
+ 118 bps vs benchmark
Gross · Year 1
₹ 1,89,500
↗ +₹32,100 vs single-bank
Post-tax · Year 1
₹ 1,32,650
After 30% bracket · 15G filed
FinThesis
7.58%
Single bank
6.40%
Savings a/c
3.25%
Rate Decision · Book now vs Wait
RBI MPC · next review in 28 days
Watching 3 signals
Neutral
Book now
7.58% blended
Locks 5 rungs today
Confidence · 46%
Recommended
Wait 30 days
7.78% est.
+20 bps expected
Confidence · 71%
Rate Decision Agent will auto-book your ladder the moment MPC telegraphs a pause. You'll be notified 24h in advance.
FD ladder · 5 rungs · 9 mo → 36 mo
Staggered maturities keep 20% of corpus liquid at all times
Principal
Interest accrual
Maturity
Today +6 MO +12 MO +18 MO +24 MO +36 MO Unity SFB · ₹4.0 L · 9 mo · 8.15% Suryoday SFB · ₹4.5 L · 12 mo · 8.25% Bajaj Finance · ₹7.0 L · 18 mo · 8.35% · anchor rung Shriram Finance · ₹5.5 L · 24 mo · 8.30% Mahindra Finance · ₹4.0 L · 36 mo · 8.20% · long horizon