FD rates ka hungama: 5%-8% ki chakkar mein kya hai?

Kya aapne suna? January 2026 mein FD rates 5% se 8% tak hai! Public aur private banks modest returns de rahe hain, lekin chhote finance banks (SFBs) toh chha gaye hain! 18 mahine se 5 saal tak ke deposits ke liye SFBs sabse aage hain! Kya yeh acceptable hai? Mujhe jawab chahiye!