Every day, Ram goes to the office and works hard for his money. He does the responsible thing and saves his money in various financial instruments. Some of his money is invested in shares, others in mutual funds, while some are kept in fixed deposits (in case of an emergency). He doesn't save much money in his savings account, as he believes the monthly payouts are quarterly, and it will be a time-consuming process. But Ram, and many of you reading this piece, will realise the benefits of having a savings account that assures monthly payouts.