00:00If you have only 10,000 rupiah and you have only about 1 year for FTE,
00:06the question is not that where the price is going to be.
00:10The question is, which bank will be the best of your 10,000 rupiah?
00:17If some 7% of interest is going to be the best of your FTE.
00:25Some banks can also see the rates of 17-7% of interest rates.
00:29But look at this one, the twist.
00:32We will tell you about this video.
00:35The most interest rates are not exactly 1 year.
00:42For some banks, you can get more rates for 444 days, 500 days or more time.
00:49If you have 10,000 rupiah FTE,
00:51you can see the lowest rates of 10,000 rupiah,
00:59which are the most interest rate,
00:59which should be the lowest rate of 10,000 rupiah?
01:12Which is the highest rates of the FTE?
01:19rate according to 1 year.
01:22Let's start with RBL Bank.
01:24RBL Bank's latest rate sheet,
01:29365 days and 12 months,
01:31500 days until FD,
01:33General Citizens for 7.05% interest rate.
01:38But here is an important catch,
01:40which is very important.
01:42The rate is FD category,
01:44which is not premature withdrawal.
01:46Allowed is not allowed.
01:47So, when you are not mature,
01:50you will not be able to do anything withdrawal.
01:53So, if you don't have FD before,
01:55then normally you will not be able to do it.
01:59If you look at the annual rate,
02:02then you will have 7.05% interest rate,
02:05approximately 705% interest rate.
02:09But the actual maturity amount,
02:12Bank's compounding and exact tenure will depend.
02:15Now, if you need FD in a premature withdrawal service,
02:20then the product category and applicable rates are different.
02:25So, RBL Bank's headline is only 7.05%
02:29of the price of FD.
02:29So, if you look at FD book,
02:30there will be no comparison comparison.
02:32Now, come to Bandhan Bank.
02:34Bandhan Bank's current retail FD rate chart,
02:37And in the third-upquisitions,
02:38how to pay the funds and the percentage of FDs around,
02:41this cost of FD envious.
02:47And in the third-upregion,
02:54including the Aip Seniors,
03:06will not be able to do that.
03:08For senior citizens, the rate of this tenure is 7.50 percent.
03:14This was the second bank.
03:19Now we are looking at City Union Bank.
03:22There are some interesting difference here.
03:27This difference is very interesting.
03:29In the City Union Bank, the rate of 345-443,
03:34the rate of general customers is 6.65 percent.
03:42However, the tenure is 444 days,
03:45the rate is 7.1 percent.
03:48In the tenure of 445-554,
03:51the rate is 7.7 percent.
03:58The rate is not the same.
04:00This is the same.
04:00The rate of 7.4 percent.
04:01If you look at the rate of 10,000,
04:01the rate of 10,000,
04:03the rate of 7.1 percent.
04:05Then the rate of 710 per year.
04:10The rate of 7.7 percent is the annual return.
04:12When you look at the rate of 10,000,
04:13the rate of 715 per year.
04:16But the rate of 445 and 445 is not exactly one year.
04:21is not. If you want to keep your money for just 365 days, then look at that 10.1%
04:28or 7.7%
04:29and then look at that 10-year-old 1-year-old FD. City Union Bank's current trade sheet
04:36in 555 days, the rate is 7.25% to go to the 10-year-old.
04:43Last question, Addison Bank.
04:52Addison Bank's current rate, 1.07-1.07-3.
05:041-7 months to 2 years to lower tenure rate, 6.90% of the year.
05:10This rate is higher than 10 years.
05:14If we talk about the indecent bank,
05:181 year FD per 6.75% of the year rate,
05:2310,000 Rs. deposit per 692 Rs. interest.
05:27This is the Indicative Maturity calculation.
05:31This calculation is compounding,
05:351 year FD per 6.75% of the year.
05:42Let's talk about the J&K Bank.
05:47J&K Bank 1 August 2016,
05:503 crore Rs. domestic term deposit,
05:541 year FD per 18 months to lower tenure,
05:581 year FD per general customers,
05:59interest rate, 6.55%,
06:026.55%,
06:0418 months to 2 years to lower rate,
06:076.60%,
06:086.60%,
06:10and interestingly,
06:11888 days specific tenure rate,
06:147.50% of the year.
06:16This is the highest rate for tenure,
06:20so, if you have a question,
06:221 year FD,
06:24how much you can find out,
06:25then,
06:26888 days,
06:277.05% rate,
06:291 year FD,
06:29directly compare,
06:31not to the same,
06:32so,
06:32so,
06:331 year FD,
06:431 year FD,
06:471 year FD,
06:49RBL Bank,
06:50500 days,
06:527.05%,
06:54but,
06:54444 days per 7.10%,
06:57and 445 days per 544 days per 7.10%,
07:01Indecent Bank,
07:021 year FD,
07:041 year FD,
07:051 year FD,
07:071 year FD,
07:081 year FD,
07:101 year FD,
07:226.55%,
07:236.65% पर करीब 665 रुपेगा, 6.75% पर करीब 675 रुपेगा, 7% पर करीब 700 रुपेगा
07:33और सवा साती सिदी यानि 7.15% पर करीब 715 रुपेगा
07:38यानि 10,000 रुपे जैसे छोटी रकम पर एक साल में अलग-अलग rates के बीच difference बहुत बढ़ा नहीं
07:44है
07:44लेकिन यही difference अगर आप 1,5,10,000 रुपे की FD पर लगाने लगे तो absolute interest difference काफ़ी
07:53बढ़ा हो जाएगा
07:54अब यहाँ सबसे important बात आती है FD सिर्फ interest rate का game नहीं है
08:00आपको tenure भी देखना होगा
08:02सिर्फ interest rate देख करके कहीं भी FD करा लेंगे और tenure के ओपर ध्यान नहीं देंगे तो पैसे फच
08:07सकते हैं
08:08मान दीजे आपका पैसा exactly एक साल बाद आपको चाहिए
08:11तो 444 दिन या 555 दिन की FD सिर्फ इसलिये नहीं चुन सकते क्योंकि उसमें interest rate ज्यादा है
08:17क्योंकि आपका पैसा ज्यादा समय तक lock हो जाएगा
08:20और आप premature withdrawal भी नहीं कर सकेंगे कई banks में
08:24इसलिए FD कराने से पहले सिर्फ interest rate मत देखिएगा
08:27rate प्लस tenure प्लस liquidity प्लस tax चारो साथ में देखिएगा
08:31और 10,000 रुपे की FD एक साल में कोई बहुत बड़ा पैसा नहीं बनाने वाली है
08:35लेकिन सही rate, सही tenure और disciplined saving के साथ FD आपके short term financial planning का एक हिस्सा जरूर
08:42बन सकती है
08:43अगर आपको ऐसे ही आसान भाष्टों में FD savings और investment से जोड़े important जानकारिया चाहिए
08:48तो good returns को follow करना बिलकुल मत भूलिएगा
08:50इस वीडियो से related आपके पर कोई भी सवाल है
08:53या आपकी savings और FD से related कोई भी सवाल है, comment box में जल्दी सरीक दीचे
