How does FD laddering give returns without locking away all money?

FD laddering means splitting our savings across fixed deposits with different maturity periods. For instance, ₹5,00,000 can be divided among 1-year, 2-year and 3-year FDs. As each FD matures, the money becomes available without breaking other deposits. This can provide regular liquidity, allow reinvestment at prevailing rates and reduce the risk of locking all money into one interest-rate cycle.