🏦 Banking & FDs

flowchart LR
    A[Compare interest<br/>across banks] --> B{Bank type}
    B -->|PSU| C[Lower rate,<br/>highest safety]
    B -->|Private| D[Mid rate,<br/>better digital UX]
    B -->|Small Finance| E[Higher rate up to 8-9%<br/>DICGC ≤5L]
    C --> F[Senior citizen bonus<br/>+0.5%]
    D --> F
    E --> F
    F --> G[Cumulative or<br/>payout option]
    G --> H[Lock-in via FD<br/>ladder for liquidity]