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Showing posts with the label #DebtmutualfundsIndia #srayglobalwealth #Liquidfundvscurrentaccount #growth #mutualfunds #Idlecapitalstrategy #smartinvesting

💰 Why Your Current Account Is Quietly Costing You—and What to Do About It

  By  Yogesh S. Pandey  —  Certified Financial Wellness Coach  | Trusted by 2,000+ investors  You work hard. Your money should too. Yet, across India, crores of rupees sit idle in current accounts — earning zero returns . Whether you're a business owner, school principal, consultant, or salaried professional, chances are your current account is quietly draining opportunity. Not through fees or fraud—but through inactivity. 🧠 The Hidden Cost of Convenience Current accounts offer instant access. But they don’t offer growth. That’s fine for daily transactions—but what about the surplus that sits untouched for weeks or months? Let’s say you keep ₹10 lakh idle for operational flexibility. Over a year, that’s ₹0 in returns. Now imagine parking that same amount in a liquid debt mutual fund . You’d earn ~₹60,000–₹70,000 annually—without compromising liquidity. 📊 What Are Debt Mutual Funds? Debt mutual funds invest in government securities , treasury bills , and h...