an FD with Over draft limit is good then FMP. since in OD limit your money is not blocked as by FMP.Thus one can use his hard earned money from savings a/c any time when he want, in case of any kind of emergency, also 10% rate are good.
& if you say inflation, then can you please tell us an example how does it effect on an FD(sice an FD is generally made only out of savings) ?
