​105 pages. Sixteen rungs, safest to least safe, with the real risk, real liquidity and real after-tax return of every rupee place your money can sit in India — and who should not buy each one. Written against the three 2026 rule changes.​

Your fixed deposit is quietly paying you less than it did three years ago. And everybody offering to tell you where to move it earns money from the answer.

The comparison site is paid by the banks it lists. The app cannot tell you its own product loses to a deposit. The bond platform cannot tell you that most readers should never buy an NCD. None of them is lying — each is giving a technically accurate answer to a question nobody asked properly.

Safe Enough is the ladder none of them can publish, because their product is somewhere in the middle of it. Sixteen rungs, from the Public Provident Fund at the top to perpetual bonds at the bottom, each with its real credit risk, real liquidity and real after-tax return — and a plain line saying who should not buy it.

Written against the three changes of 2026: the single tax form that replaced Forms 15G and 15H on 1 April, the debt fund category renames whose deadline passed on 26 August, and the deposit interest rate directions in force from 1 October.

Including a casebook of twenty-four real decisions where you commit to an answer before you see the verdict — nine of which resolve as "leave it alone" — a full Tax Year 2026-27 table with the new Act's section numbers, a one-page printable emergency card, and an appendix listing the twenty places where this book's own research could not settle the answer.

Educational content, not financial advice. No commission is received from any institution named.

Feature bullets

• 105 pages, 14 chapters, 6 hand-built diagrams, every figure dated
• The sixteen-rung safety ladder — the whole book on one page
• Deposit insurance explained properly, including how to hold more than ₹5 lakh insured at one bank, legitimately
• Twenty-four worked decisions, with the answers withheld until you commit
• A full tax table for Tax Year 2026-27, with new and old section numbers side by side
• A printable one-page emergency card of every number, date and helpline
• Twenty flagged uncertainties — where sources disagree, this book says so
• Names no products and takes no commission. Ever.