Given the rate cut by RBI  this week,

+ What type of loans fixed or floating should borrowers go for?
+ Should they look carefully for the reset period of their loan?
+ What is the ideal reset period?
+ From 1st October do all new loans have to stick to repo rate? how can one ensure that the loan gets linked to external benchmark rate (as opposed to MCLR or BPLR)?
+ Are all the banks choosing the repo rate as the external benchmark?
+ Will banks keep cutting rates going ahead?
+ What should be the strategy for fixed deposits?
+ What other debt instruments should one look at for his/her portfolio?
+ Is No reduction of rates in small savings schemes a positive move? How should one make use of the situation here?

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