How to Select the Best Fixed Deposit | Everything About Fixed Deposits (FD)
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- čas přidán 28. 08. 2024
- Learn how to pick the right Fixed Deposits and factors you should consider before investing your money in Fixed deposit. In this Video i will tell you how to earn higher returns from your Fixed Deposit while not compromising on safety of your Deposit.
I have explained everything you need to know about Fixed deposits in very simple hindi in this video.
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DHFL was also having very good rating. But sab doob Gaya.
Doob gaye
Really sir... Aap ki knowledge bhut acha asar dal rhi hai hmari life me..... Kafi kuch sikha hai aapse....... God bless you sir g
Can you please make a video on debt funds like short term, ultra short or liquid funds (for more than saving account interest rate).. there is lot of confusion. Also please include taxation point of view as well
Boss there should not be any particular product endorsement if you really want to convey important message in public
I can give you 9% pa (double than most of the savings account interest rate)
@@x.y5832 how
Sir bilkul sahi bola hai fd ka matlabh hi safety hai
Really love all the information you are sharing.....:)We are definitely getting educated by it....Please keep going....:)
Instablaster.
Summary
1. Not suggest corporate bank
2. Not suggest corporate deposit except strong banks or NBFC
- credit rating - AAA
- owners reputed/branded
3. Withdrawal conditions
4. Frequency of compounding (quarterly/half yearly/annual)
5. Returns
PNB housing finance - example
Excellent,you speak politely, clearly and detail .
Thanks and welcome!
@@pranjalkamra Thanks for respond.If our PPF a/c matured after 15 year,then is it necessary to withdraw all amount,while we want to extend our PPF a/c for 5 year.
@@hansapatel8964 We can extend for more yrs without withdrawing.
Very Good presentation, but take care viewer's interest only, not your partnership. On your advice, I am going to choose PNB HOUSING.THANKS.
Nice video. Pranjal bhai plz make video on loan against fd. Kya loss hai aur kya fayade hai. Waiting for video🙏🙏🙏plz reply👍
Pranjal sir, You are providing genuine information other than CZcamsrs .kuch log to hawa me bate karte hai but aapki information hamesha kaam ki hoti haiii
The way you serve the information regarding financial planning, multiplication, investment ........
So genuine & authentic,
Gratitude!
🙏
As PNB Housing is your partner in advertise you gave its name. Can you please provide 4 to 5 another names with all details like rating,
Compounding intervals, rate of interest, withdrawal conditions etc., Along with PNB which you have not given here. Thanks.
Bajaj Finance , HDFC
Pranjal Sir, short period of time ke liye money ko kahaan invest kare for better return
Duration max.. 1 -2 yr
And long time - 7-8 yr
I want to know about your answer first. Please help ME.
Ping me personally
Helpful video Thanku
Congratulations on 1 Million+ followers.. keep up the good work 👌✌️👍💪👏👏
What's your views on Bajaj Finance FD ?
AweSumit bad
Really helpful. Great job
Glad it was helpful!
please make a video on high interest rates on FD's by various Small Finance Bank? Are they safe? What other options do we have, say for a Senior Citizen?
Travancore Urban Nidhi Limited is the highest interest providing NBFC in the time with 11.15 % for FD . You can contact there sales officer for more details : 6238292448
7.45 % interest rates at au small finance bank
@@premshankar6195 I think SFB are relatively safer than NBFC's
@@Malvikanarang3006 I've opened an FD on North East Small Finance Bank @7.5%
Better u check digc.and go for small finance bank or payment bank which r insured.
Sir very good evening
Kindly help me is it right time to invest in mutual fund and shall I invest in PGIM India global equity
Wow i loved it, thanx for the information
Glad you liked it!
@@pranjalkamra 🙂👍
Who like fixed deposit or mutual fund👍👍👍🥰🥰🥰🥰🥰🥰🥰🥰🥰
So, what you achieve by this comment?
@@AFA111 I like mutual fund
👌👌
Sir you are explaining very well 👍
Hello Financial Adda!
Thank you😊
@@pranjalkamra Hello pranjal ji.
post office me NSC le sakte ho isme aap deduction le lo u/s80c me 5 years ka maturity hai,intrest rate v approx 8% mil jayega
Correct
Cooperative bank ache h sir ek do case me asha bolna ki sare cooperative bank kharab h thik nhi h
Thanks a lot sir....i was searching for an option...very informative...
I don't think so .... Try searching for RD in post office ... safe and tax free for 5 years FD... he is biased
Thanks to Pranjal for very good suggestion.
You are welcome.
Sir mera 3 mutual fund he Sare he more than 15years k liye
1- Axis Blue chip fund Direct Growth. Sip-1000
2- Axis Small cap Fund Direct Growth. Sip-1000
3- Prayag parikh long term equrity fund Direct Growth. SIP-1000
4- Mirae asset emerging blue chip fund Direct Growth. S.I.P - 1000
Keya ye thik he
Its nice and stable.. But because your investment is long term.. You can avoid axis bluechip and take large-mid cap like mirea asset bluechip emerging or multicap like kotak mahindra multi cap.
This is my opinion.
Great selection
Shri Ram Transport Finance is offering Good interest. Please advise should we invest in this company or not?
Pranjal Dada, you r excellent 👍🏻👍🏻👍🏻🙏🙏🙏
Thank you 😀
Very nice video. Explained in detail.
सर मैं भी हाल ही में sbi netbanking से खुद से ही online FD किया हूँ, sucsess fully हो गया, लेकिन सर मन में एक डर है कि कहीं कोई धोखाधड़ी तो नहीं होगा मेरे साथ?
Finance pe sabse best channel assetyogi channel hai
Hey @Pranjal You are doing very Good work 🤘
kindly make video on PPF
Thank you 🙂
Pnb hosing finesh shop uadipuar mi ka ho
Hi Pranjal,
Thanks for sharing the valuable knowledge.
Can u make a video on the below Q.
As the mutual funds are taxable on the interest we gain from it.
So the Q is...whether we should keep the mutual fund for long term say for 25 yrs or we should keep the MF for 5yrs and then again we have to invest the withdrawal amount with 5-5 yrs till 25yrs?
Which is the good option??
Thanks in Advance 🙂
Thanks for this valuable knowledge 😇
Namaste
For getting higher returns on Fixed deposits, investors can consider opening a fixed deposit with any microfinance bank.
DICGC insures a depositor upto Rs 5 lakhs , hence even if a person were to invest
Say 3 lakhs with a microfinance bank , his deposit would be secure.
Thanks.
Honest,clear expression so thanks for true speaking 🙏
Hey because of the lockdown rate have been decreased is it same with pnb housing ? Is it still a good choice after lockdown ?
Thanks for give valuable information
Thank you so much for sharing this valuable knowledge with us🙏
U missed post office fd's...
FD ke best interest rate jaane ke liye whatsapp kare +91 7041631567
bhai paise he nahi hote postoffice k pass. manghe jao to hath khade kr dete hai.. nahi to one of best hai
@@sandeepsharma-ds1vy really?
@@mohammedumarsiddiqui9504 yup bro its like abhi facilities kaam hai posts office mai.. you can visit and see yourself
@@sandeepsharma-ds1vy if I withdraw with atm then it would or not?
Nicely explained sir
DHFL housing was also AAA , what happened with them
There are always some blackouts which no one can predict,anways this is not 10-4pm job in which everything is guaranteed!!
Nice information .explained very well .
really nice knowledge
Really appreciated your views and sharing your experiences with us
Thank you!
To accomodate sponsor, pranjal you completely skipped small finance bank, what about them? I'm getting very good interest rates in them and they are safe as well.
Can you please tell me the name of bank
Fd vs insurance guaranteed plan
1. Fd is highly taxable. Maturity ke time aap jis tax slab me honge tax usi hisab se katega.
2. FD krte time aapko ek sath pura paisa dena padta hai.
3. Aapko aapke paise me interest add hoke milta hai. Agar is dauran aapko kuch hota to koi alag se benifits nhi hai.
Dusri taraf agar aap insurance company ki FD type plan me invest krte hain to
1. premium me tax rebate
2. Fd ki tarah yaha ek sath pura paisa nhi dena hota hai.
3. Tax free maturity matlab ek rupya bhi tax nhi dena
4. Fd se jyada growth kyu ki net Kitna lagaya aur tax ke baad kitna mila jab ye calculate karenge to kabhi fd nhi karvayennge aap
5. Is dauran agar policy holder nhi rah jata to jo deposit hai uspe to bonus milta hi hai 10 guna ka claim alag se.
To hai na FD se achha.
Jate jate ek baat aur search krna google pe FD pe developed countries me kya rate of interest mil raha hai. Har 10 saal me 3 % kam hota ja raha hai fd pe interest.
Very useful information Sir
Thanks for the information sir
Welcome
सर खाता बन्द होने के बाद अब पुरानी fD मिली है, अब ये विधड्रॉल नहीं हो रही है क्या करे
ये 2005 मे मेचूअरिटी होनी थी
और अब
ये बैंक वाले तो कह रहे है कि उन को उस FD का रिकॉर्ड ही नहीं मिल रहा है
जबकि बैंक में तो 1 - 1 रूपये का रिकॉर्ड होता है ।
अब क्या करूं मैं ?
Nice video. Thanku.
Can u suggest how much we should save for fixed deposit from our savings?
Sir please make video on MIS account + senior citizens saving scheme.
Here you know some knowledge about senior citizens saving scheme: www.myloancare.in/info-bank/senior-citizen-saving-scheme-scss/
I think jana small finance bank is better than pnb housing. Since amount upto 5lacs is insured by DICGC and it is also offering higher rate of interest
What about Finology screener, when it will be launched
Hello Shashi Bhise!
Yes, it will be launched soon. We are working on it😊
@@pranjalkamra sir,is bajaj finance fd safe?
One time investment schemes (under 50000/-) pr video bana dijiye please
Shriram transport ke fixed deposit sahi hai kya,?
DEAR SIR,
PLEASE GUIDE PEOPLE ABOUT THE SECTION 45 IN INSURANCE ACT 1938.
NOW A DAYS, LOTS OF INSURANCE COMPANIES DO NOT TALK ABOUT THIS ACT. SO PLEASE GUIDE THE PEOPLE ABOUT THIS
इक मतलब साफ़ है, चाहे आपने पालिसी खरीदते समय झूट बोला हो या कुछ बताना भूल गायें हों, अगर आपको Life Insurance Policy लिए 3 साल हो गए हैं, तो इंश्योरंस कंपनी को claim स्वीकार (settle) करना होगा|
Hi Pranjal, just love your explanations and advice. Could you please create one video on FD laddering? Thanks in advance 🙏
Looks like main moto of creating video was to promote PNB housing finance FDs only. You mentioned so many things in the beginning but stick to PNB only..
Good info sir, say something about bajaj finserv
Great video 👍👍
Plz make video about PPF investing. Should one invest 1.5 Lacs every year @age 45
Plz reply to this question sir,I also want to know
Sir, main bohot kuch month seh aapka video dekhta hoon..
Mera ek simple sa question hai ki
''Nifty 50 toh ek index hai, jaha 50 stock hai, 50 stock ki share price jaha up down hota hai usse nifty bhi up down hota hai weightage ke anusar.
Toh nifty ki close kaise koi particular level ki niche aur upor hota hai ?
Ya koi yeh level thik kar deta hain?
Please reply. I m eagarly waiting for your reply.
Hi Pranjal,
While there are many products in the market which help us compare demat accounts, mutual funds, etc. It is very difficult to compare FDs today - one has to go to each individual bank's/nbfc's/etc. website to get the details and even in those websites information is quite cluttered.
In the end, it becomes much easier to just create an FD with your existing bank, but we end up missing out on better returns out there.
I wonder if you can include something in your finology one, which would help people compare FDs, etc. as well.
Thanks!
Grateful for your work!
Hmmm Woh PNB gotala hua tha uspe bhi ek video banaiye sir .. uss video ko me sponsor karunga ....
Hi Prajnal, thank you for all your videos which are really informative. Can you please share a video on ULIPs, I already have equity and ELSS exposure and want to get really good info on ULIPs as I am planning to invest and also get insurance benefits. I have Dec 25th as last date for submitting investment proofs. Thanks a lot again :)
NBFC ma FD🤔🤔🤔🤔🤔🤔,nicee वीडियो प्रांजल जी😊😊😊👌🏻👌🏻🇮🇳🇮🇳🇮🇳🙏🙏🙏
Very nice information
Thankyou for suggestion
I am watching your every videos, its really good & we get good info. I am disappointing with this video as other than this, there are lot of good option you can promote which gives good return like post office, NSC, RBI bond which also give good return & totally safe
pls make one more video on fixed deposit sir.... this knowledge seem quit less hope u understand us....
Good explanation regarding f d
Sir mujhe DCB bank aur Indsind bank me FD karna hai... To koun sa best hai... Aur agar bank dub jati hai. To ab kitne ka return amount limit hai... Jise pahele 1 lac tha abhi kitna hai...
make a detailed video on P2P lending platforms.
It's superb
Sir make a video on where to invrst n safest option of investing
Thank u very much sir, 🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰🥰
Paytm bank giving 7% interest on FD annually.. is it safe?
Try liquid funds in which u diversify fd companies and safe govt bonds with 8 to 9 % intrest and withdraw any time
8 to 9 percent nahi milta bhai... Aaj k time me
@@mrshetty2019 milta hai check karo return frankline india ultra short instl plan debt fund search karo moneycontrol pe
U missed Bajaj Finserv FD 8.35% good interest and security
Right
Travancore Urban Nidhi Limited is the highest interest providing NBFC in the time with 11.15 % for FD . You can contact there sales officer for more details : 6238292448
Post office is also a source for fd
Yes, the post office is a form of a fixed deposit scheme.
www.myloancare.in/fixed-deposit/fd-interest-rates/
Sir, I'm a student,post office me 5years k lie 50000ka fd karaye to aftr 5 yrs interest pe TDS katenge kya??
@@mrinaliniroy6221 50k 5 years FD me hoga with 8% toh 73446.40 rs hojayega aur 10% TDS katega qki tumhara interest amount 10k upar hai...
Final amount = 66119.76 rs after 5 years.
Good information Sir
Bad experience with PNB ... So door sae hi namaste 😂
MONEY SAFE OR NOT
IN LIC POLICY ORHOUSING
FINANCE LIC
Thanks sir
AA+ rating hai sirji...
Quarter 2 ke result ke saath...
Not FOR AAA Rating
How is Bajaj Finserv for FD??
Big Bazaar se fd karava sakate hai ?
Make a video on some MUTUAL FUNDS better than F.D.
and regarding PNB housing, is it related to anyhow with PNB itself as PNB's 3rd fraud in a raw is live and you just mentioned that on PNB's believe we should invest in PNB housing it means these two are connected but we can't ignore 3 consecutive frauds of PNB.
Kindly advise which Small Finance Banks are SAFE & gives highest RETURNS ON FD's to SENIOR CITIZENS, in MUMBAI. THANKS
Sir we can give you 9% returns on your investment risk free
@@FatimaKhan-qi6xl SALAAM,
I WONDER, IF YOUR LADYSHIP CAN SPARE FEW MOMENTS FROM YOUR PRECIOUS SCHEDULE, TO SHED SOME LIGHT OF ON TOTALLY RISK FREE INVESTMENTS OFFERING GOOD RETURNS. PLS.REPLY. THANKS.
ALLAH HAFIZ.
FI AMAN ALLAH.
BAARAK ALLAH FIQ.
@@ahmedahmedi6287 fd is the safest of all
But interest rate won't be any more than 6-8%
I can give 9% at 0 risk and I have a signed agreement too
Lock in period would be 1 year
Sir Post office main fb q nhi bataya?
How’s Bajaj Finance NBFC FD
Through ETMONEY?
Great information thanks Bhaiya 😊
Would you advise students to invest in any mutual funds? Where they can save 1000-2000 from their pocket money, can you please a make a video about it?
Congrats for 1m subscribers👍
Hello Vishal Goyal!
Thank you😊
@@pranjalkamra hy sir. How are you?
@@pranjalkamra pls make video on PPF also.
Samajie ki 9.7 am pe preopen close hota he yaniki tab open price dicide ho jata he
Ab mujhe vahi price pe trading ka order add krna he buy/ sell phir bhale hi 9.15 pe active ho
Lekin 9.8 am to 9.15 ke bichme order kyu add nhi kr pata
Ye time bhi bahut important he
Can u solve this problem plz??
Thank u
Sir ji par pnb to bhot problem hai.. nirav modi ki vajah se!
How can we know about the frequency of compounding for a particular bank?
Excellent
सर बँक से fd की advice receipt लेणी चाहीये या original receipt लेणी चाहीये?
Is safe in Paytm fixed deposit ? Please
U r mind blowing sir
Pranjal sir your website for analysis is still not launched kindly tell about this?