The RBI is forcing banks to publish daily rates by 10 AM; and stick to them. No more branch-to-branch rate games. If you’re putting in crores, this change protects you: same deposit = same rate, no matter which branch. Banks can still tweak rates based on liquidity rules (LCR), but now it’s declared upfront. For average FD holders? No impact; this is for high-value deposits only. Smart move: check the bank’s website before booking. Clarity over confusion. Transparency over negotiation. Your money, your rules.