Whether Bank Deposits are better investments than other options

BANK DEPOSITS VS. OTHER INVESTMENTS

Are Bank Deposits Superior to other Investments? What deposits are safe?

BANK DEPOSITS	OTHER INVESTMENTS
Bank deposits are one of the safest investments and risk of default is minimal	Investments in equities, company deposits, debentures, mutual funds etc. is more risky. However, investments in RBI Bonds, Government Securities are even more safe.
Banks deposits give an almost assured, fixed and uninterrupted returns	The returns from equities, mutual funds is not assured. The company deposits and debentures may stop servicing of interest any time due to losses. However, investments in RBI bonds, PPF, Government securities give assured returns.
It is easy to choose a deposit scheme at a Bank as they are simple and can be understood by a layman	The investments in equities and mutual funds is much more complicated and complex for a layman.
There are no rebates available under Income Tax for deposits in Banks, except under special schemes now floated by Banks for availing the income tax rebates.	Deposits in schemes like NSC, PPF, Infrastructure allows rebates in Income Tax.
Bank deposits give lower rate of returns	Company Deposits, debentures, equities can give higher returns, but have higher degree of risk.