Parameters |
Banks Deposits |
Mutual funds |
|
Returns |
Low |
Better |
|
Administrative exp. |
High |
Low |
|
Risk |
Low |
Moderate |
|
Investment options |
Less |
More |
|
Network |
High penetration |
Low but improving |
|
Liquidity |
At a cost |
Better |
|
Quality of assets |
Not transparent |
Transparent |
|
Interest calculation |
Minimum balance between 10th & 30th. Of every month |
Everyday |
|
Guarantee |
Maximum Rs.1 lakh on deposits |
None |
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