Lock into debt schemes as interest rates peak

The interest rates are at their peak levels with the Reserve Bank of India (RBI) signaling a softening in the monetary policy in its previous quarterly review last month. The RBI is expected to cut the key interest rates, going forward, in the near to medium terms, if the inflation rate stays down. It is an opportunity for all investors - those with a high risk appetite and the risk-averse - to lock-in to debt instruments that offer high interest rates for a medium to long term.