Make deposits in your savings account before or on the 10th of every month.

Ensure that you withdraw any funds only after the 31st or the last day of every month.

Check your bank statements carefully to ensure that interest payments are properly credited into your account.

More importantly leave bare minimum funds in your savings account to pay for monthly expenses and immediate payments and move the rest in short term fixed deposits. This way you have liquidity and at the same time you continue to earn higher interest. Better yet, park funds in higher interest rate fixed deposits, and take an overdraft against the deposit for any contingencies.


Keywords: bank interest, maximise interest, bank deposite, withdraw bank deposte, deposit in bank,