The lump-sum lessons

• Go for bank deposits that offer maximum interest within a specified minimum period. • Avail partial withdrawal facility (wherever

offered) to meet personal obligations. • Do not be led into a trap by buying other financial products due to forceful misselling. • Submit Form 15G/15H as soon as you open the fixed deposit (or during the currency of the FD but before date of maturity of the deposit) and secure acknowledgement. • As and when TDS is deducted, verify in

Form 26 whether TDS is reflected therein.