Purely speculative. No one can predict how the rates will be 5,10,15,20 down the line. And fixed rate does not mean really fixed. There's a clause that says if the money market conditions change, the fixed ROI will be subject to change too. However, there are some lenders that provide PURE fixed viz. SCB, HDFC. ICICI used to have the clause mentioned above, but now they are offering PURE fixed by striking the clause in the agreement. Hope this helps.
