What can people who invest in FDs do as RBI cuts repo rate?

The RBI has cut repo rate by 25 bps to 6.25%. Subsequently, banks will likely reduce FD interest rates. Those planning to open new FDs should do it soon to lock in current rates before banks revise them. Additionally, adopting FD laddering, which is splitting investments across multiple FDs with different tenures, can help mitigate impact of falling interest rates.