A Certificate of Deposit (CD) might be your quiet powerhouse. Right now, you can lock in up to 4.35% APY; yes, that’s real; with an 18-month CD from Marcus by Goldman Sachs. That’s double (or even triple) what most savings accounts offer. If you stash ₹1 lakh (approx. $1,200) in a CD at 4.35%, you could earn over ₹4,350 in interest before term ends; with zero risk. CD rates are still high because the Fed paused cuts in 2026, but don’t wait. Once rates start falling again, these offers will vanish. Pro tip: Online banks and credit unions usually offer the best rates; and no branch visits needed. Also, don’t just look at the rate. Check for penalties, flexibility (like no-penalty CDs), and compounding frequency. A small difference in APY can mean hundreds more in your pocket. If you’re sitting on idle cash, this might be the easiest win you’ll find this year.