The Reserve Bank of India’s decision to maintain the repo rate has prompted investors to reconsider fixed deposits (FDs) as a stable investment option. With this pause in rate adjustments, FDs may offer predictable returns, appealing to conservative investors. However, concerns about inflation could diminish the real returns on FDs, especially if offered rates fall below inflation. Experts suggest a cautious approach, advocating for a diversified investment strategy combining fixed income and bonds. Overall, while the current environment may suit those valuing stability and capital preservation, investors should weigh the potential impacts of inflation on their returns.