Deposit dilemma Are you worried about negative returns, flat interest rates? Here's how to get more out of fixed deposits Adhil Shetty | | Published 07.06.21, 12:13 AM On Friday, the Reserve Bank of India decided to keep policy rates unchanged. It is the sixth straight time they have done so. Rarely does the central bank put a pause on policy rates for so long — something it has done to accommodate economic revival. Policy rates impact lending and deposit rates in the country. While paused rates keep loans cheap, they also lower the returns on bank deposits. This hurts anyone reliant on fixed income from interest-generating instruments such as fixed deposits.