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Good news saving intrest 3% , loan intrest 12% 😂😂😂😂😂 Thankyou for 1 million likes 👇🏿

@scenecorner9940

Ай бұрын

Bro sbi 2.7%

@humbleindian6303

Ай бұрын

abey gadha hai kya ? deposit growth 13.5% higher than gdp growth of 8% , credit jyada growth kar rahi hai to CD high hai , jo ki achi baat hai, galat mat padha bhai !!!

@dilipsahu6050

Ай бұрын

150%right, banks need to think this.

@kiransankarpati

Ай бұрын

3% only for short term , while loans are mostly long term . higher the risk , higher return . rule of basic finance.

@aajj2153

Ай бұрын

3 percent we will not get monthly For 12 percent have to pay monthly indirectly in advance which they give to another customer So i think paying monthly is more than 12%

Bank Interest deti hai 2.5% to 3% Aur Leti hai 9.5%to 16%😂😂

@user-po4ui1mh1v

Ай бұрын

Bhai isse bhi jyada Paytm, Bajaj, Mahindra aur bhi kai Inka 20 % se jyada hai

@Vkearnings2024

Ай бұрын

Sahi baat isliye mai share market me invest kar deti hu ,bank me nahi chorti,Acha returns mil jata hai

@funlife3484

Ай бұрын

Toh operating cost, staff cost have to be managed na, that's why

@TheTruthBhidu

Ай бұрын

How bank will survive or give salary to their employees??

@user-cp8mr1hk9p

Ай бұрын

Murkh admi fd ka intrest rate 7.30% hai 😅

Sbi - lunch k baad ana Le Public - ab ham aayenge hi nhi..😂😂😅

@perseveregamer7806

24 күн бұрын

All the banks must be closed

@sameelshamnad6142

17 күн бұрын

​@@perseveregamer7806imagine reserve bank getting closed. The whole indian monetary funds will collapse.

@AkashDeep-rr6jo

16 күн бұрын

😂😂

@joysarkar6296

13 күн бұрын

​@@perseveregamer7806phir ghanta bajana aur Mahajan se 50% pe loan lena..

@perseveregamer7806

13 күн бұрын

@@joysarkar6296 service quality matters bro.. hdfc me abhi toh 25% pe personal loan h.

Bank FD does not even cover inflation. It is foolish to keep money in bank.

@Hasis-s3y

17 күн бұрын

Unless you consider compounding on 8% pa

Nonsensical Bank charges discouraging deposits, FD Rates discouraging…bank employees selling insurance products without proper knowledge and communication to customers discouraging for banking….hence invest right place

@sinister5347

Ай бұрын

Sbi zero charges

@ishanrawat3177

Ай бұрын

​@@sinister5347 sbi 0 charges and 0 service as well. Employees are not interested to work in bank and bank servers are fked up

@Allah-ka-Husband

Ай бұрын

Jharkhand: Five Muslims broke hands of a Dalit man for refusing to eat the meat of cow , and fórçed him to consume the Bëef in Sahibganj district of Jharkhand. The main accused has been identified as 30-year-old Mithun Sheikh. Source- The One India and Indian Express, Jan 2023

@shreyanshbhogayta6349

Ай бұрын

Ha Bhai agent kuch samjate nay, bas jaldi se ye lo wo le pressurise

@nagendarbabu111

Ай бұрын

Charges are there even in mutual funds , stock markets , nothing comes free of cost

My father is a businessman & he never encourages me to invest in banks. He always say buy assets. Bank is for small people, who lend their money to bank for3-4% & end up paying 15-20% when they take loan from that same bank. He used to say this 2 decades ago. People realize this now after 2 decades. Bapu was smart❤.

If you deposit high ammount in bank you have to pay tax on interest every year If you invest in stock or mutual fund for long term you have to give only one time long term capital gain tax .. .. Reduce tax All rich people are leaving India only because of such High Tax System

लोगों के पास पैसा भी तो कम है। उसी से शिक्षा, स्वास्थ्य व दैनिक खर्च भी करना है।

@worldnewsanalysis9613

Ай бұрын

Nahi bhai logo k pass paisa hai. Log stock me jada investment kar rahe hai mai khud job karta hu aor 80% invest karta hu bas 20% bank me rakhta taki emergency me kaam aay. Bank me FD k 7% milte hai aor stock me maine 33% ka return nikala hai pichle sal. Mai bank me kyu jau jab investment kar k jada paise mil rahe hain

@harbansguleria5090

Ай бұрын

Ka. Hai paisa tho bhi bank mei tho hona cahheye naa

@IMAN_IIT_PATNA

Ай бұрын

​@baat to sahi hai 😅😮😮worldnewsanalysis9613

@sonukumar-kh3xg

Ай бұрын

👍👍👍

@mohitaggarwal7583

Ай бұрын

Not true

Din rat Mutual fund ka add dikha dikha kr sbne Sip and lunsump kr rkaha hai

@Fekuchand_

Ай бұрын

😂😂😂

@introworldss

Ай бұрын

Exactly i always prefer mutual fund rather than FD. I liq all fd and put in MF

@yourfavanime1446

Ай бұрын

​@@humbleindian6303bhai tu har jagah ek he comment kar raha hei😂

@akatsuki_.

Ай бұрын

​@@yourfavanime1446bot h china walo ka

@ashwinis1562

Ай бұрын

Ha minimum 12 %return hai, vo bhi 2-4mahine me to why not stoks and MF

Meri mummy to bank main isliye deposit nahi karti kyuki sbi vale paise nikalte time signature match nahi karte bahut pareshan karte hain😂😂😂

@abhijitkalita6938

Ай бұрын

Bilkul hasi nhi ayi 🥲.

@v-rex3206

Ай бұрын

​@@abhijitkalita6938us bhai us 😂

@kaluwa5946

Ай бұрын

🎉❤

@theankurgautam

Ай бұрын

Mera khud kabhi signature match ni kia....

@RK11271

Ай бұрын

​@@abhijitkalita6938Epic😂

Saving Interest rate - 4% Term deposit rate - 6% Interest rate - 10% - 12% Why shall we deposit money in banks ? Also due to high inflation, saving of people have reduced .

@anilr1296

Ай бұрын

True. RBI says inflation rate is 4-6 %. but inflation rate is definitely near to 10%. So there is no match between RBIs interest rate and inflation rate. Learning to spend less and save more.

@himanshusahu9828

15 күн бұрын

Areee.. tax toh bhool hi gaye 😂

बैंक कर्मी का सक्ल देखकर वैसे भी दिमाग खराब होता है😂। निवेश करना अच्छा सोच है। 😊

@Anonymous-gt7ok

Ай бұрын

😂👍

@HillariousPanda16

Ай бұрын

Are Aisa mat bol bhai....mere society me do ladkiya rehti hai bank me kaam karti hai kya masst hai badi pyari hai dono 😂😂❤❤

@RenuKumari-di9zl

Ай бұрын

@@HillariousPanda16abhi t raste me achi lag rahi hai, kabhi Bank jake mil pta chal jayega...😁

@HillariousPanda16

Ай бұрын

@@RenuKumari-di9zl 🤣🤣😂😂

@JumpingBag

Ай бұрын

🤣🤣🤣🤣🐒

Stock market ka chakkar babu bhaiya stock market ka chakkar 😂

@blackbrute2504

Ай бұрын

​@Not_hehe-dc3xubroker apps mai hi rehta hai😂 profit ka paisa log dobara laga dete hai. Zarurat ka paisa hi withdraw hota hai.

@TheGohan09

Ай бұрын

Babu*

@GOAT_Trader_ind

Ай бұрын

​@@TheGohan09👍

@anuragsengar1572

Ай бұрын

​@Not_hehe-dc3xugalat. Wo alg chij hai.

@ronakpanchal

Ай бұрын

Market me invest karke , 2X kiya me mera Capital 😂 wo b 3 months me , now bought another home 😄

One of the main reason is very low interest rates on FD.

@kaushalkumarsingh6063

Ай бұрын

Current 8-9% interest rate on FD. that's risk free investment

@ankushboraste6011

Ай бұрын

Which bank ??​@@kaushalkumarsingh6063

@kaushalkumarsingh6063

Ай бұрын

Galti govt ki hai ki FD ke interest pe bhi Tax leti hai. FD interest should be tax free

@introworldss

Ай бұрын

Nope, only one reason mutual fund giving 3 times int rates than FD, mutual fund sahi hai 😂 and fd short term m kuch v benifit nhi q na jae mf m

@kaushalkumarsingh6063

Ай бұрын

@@introworldss MF is good for the age group like 20 to 40, beyond that everyone needs sure sure returns. I also invest in MF and everyday I visit my portfolio like 10-20 times. If someone has 1cr at the age of 40-45, he can easily get 6-7 lakh from FD, that's a good amount for the basic needs and that too RISK FREE. Mutual fund is always associated with risk, you might be happy today because market is achieving new heights daily but what if it falls everyday?

Now government will start raising taxes on stock market transactions, enforce taxes on savings account withdrawal, and make policies to basically force people to put money in FDs. And Nirmala tai will say, our retail investor has taken the burden of loss making banks on their shoulders.

@Bayeak

Ай бұрын

Govt: jeene nhi dunga

Aaj Bank me 1000rs deposit kro aur 1 saal bad check kro to 900 rs milte hai.

@thelayer5211

21 күн бұрын

Milenga to 1060 rs but uski value 900rs hongi

In 2005 RBI stepped in saying Banks cannot accept interest free deposits As they didn't want to 6% on deposit in 2005 which they reduced from 15% to 12% and then to 6% When banks can think of their own intrest consumer can do the same and 2024 mein SBI ne Govt ko 43 Billion $ ka dividend diya hai toh Jo banks loss mein hai & Customer ko Intrest nahin desakti kaise Rs 35,91,33,20,50,000 dividend Diya

@humbleindian6303

Ай бұрын

abey gadha hai kya ? deposit growth 13.5% higher than gdp growth of 8% , credit jyada growth kar rahi hai to CD high hai , jo ki achi baat hai, galat mat padha bhai !!!

@yuvrajroy1257

Ай бұрын

Bro Bank loan dekar paisa kamati hai Agar woh tumhae 15% interest deni lagi toh Woh 22% minimum loan ka charge karenge

@Dhruv-New-Prophet-Of-Islam

Ай бұрын

Woman Shahida kìll$ 6-year-old son in Palakkad, tells cops she sàcrîficed him for 'Allah' Source- The News Minute.

@sinchanmondal9526

Ай бұрын

Are saying SBI is loss making? SBI profit last year was 61k Cr Rs. And the deposit crunch started because of cross selling..

@varunmittal3617

Ай бұрын

​@@sinchanmondal9526 we are getting matured like US UK, creating active mkt for Govt treasury to reduce dependance on Repo loans will be way going fwd.

Jisko invest krna aata vo b bank me nhi rkhta h aab Vaise b bank sirf rich people ke liye hi h normal logo ke liye koi profits nhi

@mukuljain29

Ай бұрын

sahi bola bhai

@Fekuchand_

Ай бұрын

🎉🎉

@thecaptainz

Ай бұрын

Bank me liquidity kam kar di hey deposit pe limit or withdrawal pe limit ek tarah se cash ke limit laga di hey 😂 public ko Smart banane ke liye thanks.. Ab income tax kam karoge toh bhi farak nahi padta 15-20% tumhe dene se acha long term equity lele ...

TDS is one of the biggest reasons people aren’t depositing in Banks. As even old age people suffer to file ITR which is confusing and complex for most people and TDS is applicable above 40K interest.

Remove tds on FDs. It can increase deposits.

2008 crisis me India kyu bacha tha... toh woh sirf saving ki wajah se ..today by mimicking usa economy tatics of earn and spend Savings are at minimal level..!! A single failure of any of the major sector can be havoc..!

@uraa7509

Ай бұрын

Top Notch Observation Bruh 👍📈

@rajatdogra96

Ай бұрын

Tum save karlo phir 2.5 percent par 😂

@vinaybhat7670

Ай бұрын

Saving india me gold me hota he

@Dan54382

Ай бұрын

​@@rajatdogra96not against investing brother..but do you think businesses are coming that easy nowadays..?

@realSamarthT

Ай бұрын

Gold is also saving​@@rajatdogra96

Low FD rate & low facilities, best option in MF, mutual fund sahi he 😂😂yar

@DoctorCouple.

Ай бұрын

ETF best

@surajwavre8291

Ай бұрын

​@@DoctorCouple. लक्ष्मी चीट फंड 💪😎

@promuddaulagupu7855

Ай бұрын

We need to be 50:50 bank+ MF because if market crash we will lose our money whereas in bank our money is more secure but low interest

actually root of this problem lies inside the banks only....As people's wants to deposit at banks but due to cross selling target like mutual fund and insurance investment target reduced the bank deposits. bank staff forced to sell these cross selling products every day...and that's the biggest reason of deposit reduction. now why bank staff getting such target from management? here catch is higher position official getting good amount of commission and freebies from this cross selling companies in some way or other. its actually matter of deep investigation by RBI.

bank jao to ese treatment milta jese ehsaan krre yelog to ab badiya sabak sikhaya h public ne

3% saving account 7% Rd/fd account 🤮 Mutual fund 20-30% Stocks 5-50% Loan app 12%-14% SMF FD 8%-9% Gold 10%-25% Why one will deposit in bank ?

@Fekuchand_

Ай бұрын

Loan app मतलब

@deepeshgoyal575

Ай бұрын

Inflation is more than interest of saving account

@ViralSourav7

Ай бұрын

2.7 %

@HarshKeshari-ul4eh

Ай бұрын

@@deepeshgoyal575 Sahi bat Saving account me utna rakhna chahiye jitna me 3 mahine ka kharch aa jaye baki Paise ka 20-25% aise jagah rakhna chahiye jaha se same day ya ek se do din me withdrawal kar sake aur accha interest mile. Aur baki paisa me liye bond, stock,mutual fund, real estate, gold ye sab to hai hi But sarkar paisa hmare pas rhne de tab to🤣🤣

@scenecorner9940

Ай бұрын

​@@HarshKeshari-ul4ehcapital revolve karte raho.

Because government deduct income tax on bank savings interest over 10k, now salary ones prefer not to deposit in banks because of this

@KOMALKUMARI-rx2vr

Ай бұрын

As per sources ...now going to limit of interest limit 25k.. will be tax free

@saurabhgangwar5312

Ай бұрын

Invome from fd , from saving account should be tax free...otherwise its like ur burning ur money...its not beating inflation...​@@KOMALKUMARI-rx2vr

@harishankarpatra3373

Ай бұрын

Submit 15g at your branch.

@mrsingh6918

Ай бұрын

What is that​@@harishankarpatra3373

@Shivam_singh096

Ай бұрын

Per month per year ?

Before bank was enjoying as people was not aware abt investment, now people knows how to invest simple

@swapnilbhoir6096

21 күн бұрын

@@manishasingh87 hmm indeed

FD rates wapas 12% kro warna bank bekar hai, normal index fund mei 15% aa jata hai.

People are doing 2 things Invest or spend No big deal

@MemeBro-jh7xq

Ай бұрын

invest jada kra ha ya problem chlra ha

@himanshumakwana3666

Ай бұрын

& buying everything on EMI

@MemeBro-jh7xq

Ай бұрын

@@himanshumakwana3666 emi bhi paso sa he dee jati ha

Deposits are going to stock market which has very high inherent risk. Govt. has also support for stock market investment indirectly

This is because the interest rates are artificially kept lower. This inflates asset prices and people move away from Fixed Income towards speculative assets.

Bank management is fully pressurizing its employees to provide loans on every day and weekly monthly targets are set . Different days are set for MSME,Agri, Retail loans. We are witnessing such Banking since 7-8 years.

Govt be like: Tax badha dete hein, sab kuchh thik hojayega 😂😂

@Blitz-krieg39

Ай бұрын

Isi govt ke to Kaarnaame hain sab

@punitprajapati4677

Ай бұрын

😂😂😂 chamcha ​@@Blitz-krieg39

@oo7posam581

Ай бұрын

​@@Blitz-krieg39ye bichara Invest nahi karta😂 Garib!!!

@Fekuchand_

Ай бұрын

​@@punitprajapati4677🐷🐷😓😓😓

@raviyadav-eh9gr

Ай бұрын

Bhai yeh hasne ki baat nahi hai, hum log tax toh de rahe hai per badle Mai hame kya mil raha hai

They should give atleast 8-9% per annum for saving account.

@Fekuchand_

Ай бұрын

Profit kya कमाएगा bank 😗😆

@scenecorner9940

Ай бұрын

Bank ko npa losses ko bhi cover karna hota he

@srreelscreations

Ай бұрын

@@scenecorner9940 they are taking 12.5 to 14% interest bro and they are investing in stock and mutual funds which are avarage gives 20 to 40 percent annual growth 📈. Now public will invest in MF which gives annual 15% with 90% riskfree Rupees depreciation is on an average 5 to 7 percent and they are giving 3 to 4 percent interest for saving which means in 25 years your own invested money will be half of present value of money even after 4 percent interest return for your money.

@ZenoSamaOmniKing

Ай бұрын

​@@scenecorner9940so we will not deposit in banks , simple as that

@shubhamsingh1539

Ай бұрын

​@@scenecorner9940ye bhi meri galti h

A simple consequence of government policies. All government policies show that government want everyone to spend money instead of saving. In addition, people are learning about investing.

i think stock market will crash soon due to the overhype... and bubble is also formed.... anyone can see how defence grow 100% in last month....

@jasandroidphone3820

Ай бұрын

everyone saying same story for last 4 years ,

@Rishiraje97

19 күн бұрын

Crash ❌ correction ✅

@thetrainrushguy

13 минут бұрын

Nai re bhai

This is the result of high taxation at every step and low interest. Increase 80TTA limit, and provide some relief in RD, FD interests. If you are not providing either of them, then its better to invest in mutual fund, it will provide atleast better returns than savings, we will provide the STCG/LTCG from that extra interest, and then also we will be in profit than savings account

@pavanshetty9806

Ай бұрын

Taxes are not high compared to history. Therefore tax is not the issue

@kesrinandanbaderiyagupta5638

Ай бұрын

Reason is interest rates and bubble in stock market

@gydave

Ай бұрын

@@pavanshetty9806 ; LoL! Previously FD interest up to some amount was not taxed. Previously there was no LTCG only STCG. Previously, the dividend income up to 12 lacs was tax free! Previously, there were indexation benefits on debt mutual funds, now there is not! Taxes have increased many fold now! In which delusional world are you living? 🤣

@pavanshetty9806

Ай бұрын

@@gydave FD was taxed. Only Long term tax was not there. But we are talking about deposits so Long term tax does not come into picture. Also FD small amount that was not taxed isnt significant for Deposit crunch. Stay within topic and context buddy. Also tax relaxation has been increased on income upto 7 lakhs now unlike before. Therefore tax is not the issue for Deposit crunch.

@RajatSharma-cn6qy

16 күн бұрын

​@@pavanshetty9806tax and low interest rate are the problem...taxes are high...u should not compare 20 yrs back.. the situations were different at that time

The current deposit crunch in Indian banks is truly alarming. With inflation eating away at savings, people are increasingly seeking better returns through alternative investments rather than traditional bank deposits. This trend is further exacerbated by the rising number of unemployed individuals turning to the stock market in hopes of quick gains. It's a precarious situation that underscores the need for more attractive savings options and stable economic policies to restore confidence in the banking system.

@VilhotkaflenStrasktestu

Ай бұрын

what is the reason of saving when you saved deposit will have same value as you depositted after 4 years .

@sarnandudutt78

Ай бұрын

yes exactly ​@@VilhotkaflenStrasktestu

@chinmoybasak7749

Ай бұрын

​@@VilhotkaflenStrasktestuwhat happens stock market correct 15%??

Earlier govt was not taxing the FD so seriously. After Aadhaar and PAN linking, FDs became more visible to income tax dept. Also MF and shares tax is different, will go under LTCG.

@danlightened

20 күн бұрын

It's good only. Otherwise, all of India wants to carry out everything in black money. Yeah the taxes are high but they wouldn't be so high more people paid a little for a lot of things. Currently only few people are paying the chunk of taxes and are expected to carry the burden of 150 crore people, most of whom are incredibly poor, compared to the global average.

All are shifted to other investment likes Gold, Mutual fund, Share market etc.😅

Bank is run by public but not for the public. For corporate.

Reason I see as a banker. 1. Awareness of people about the market. 2.Banks also focused on cross selling rather than core business.

@vinaybhat7670

Ай бұрын

Scam 1992 webseries is the reason for this rush towards stock market 😅. Don't u think so?

Nobody who is educated keeps money in banks, amid this much inflation!!

@jaykanani1977

Ай бұрын

Should not keep due to Inflation or not keeping that's why Inflation?

@SumanaGhosh-nc8js

Ай бұрын

inflation toh 4.8% hi hai.

@jaykanani1977

Ай бұрын

To be honest mere ko economic me sab kuch gol gol samaj aata hai Market me paisa zyada hoga > inflation badhega > people will spend less > prize of commodities will decrease > people will spend more > market me money supply increase , events repeat Hoge

@pavanshetty9806

Ай бұрын

Inflation is within range buddy.

@perseveregamer7806

24 күн бұрын

Yes all the banks should be closed by govt

FD rates high krna hoga ....janta see luto kam income ka source doo...

बैंक में पैसे रखने की बजाय उसी बैंक का share खरीद लो😂😂

I remember you made a video saying, people in India just keep putting money in saving accounts not going for mutual funds or stocks. Now when people have gone to that route now you say it is a problem. This is what India is we promote one thing like it is the world’s biggest thing then we backtrack “oh it is bad”

@lalaland2022

16 күн бұрын

😢😢😢😢

Banks are themselves responsible for this. They suggest customer to invest in life insurance and mutual fund to complete their targets. Bankers have become insurance agents now 😂😂

Means banks may default very fast if depositors ask for their money back.

@royalpankaj9769

Ай бұрын

no bank will start taking money from bond market

@uraa7509

Ай бұрын

​@@royalpankaj9769Bhai esa agar itna aasan hota toh 2008 mein USA financial crisis face nhi karta

@kiransankarpati

Ай бұрын

no, RBI can prevent rapid mass withdraw like it has happened before in 2008 financial crisis.

@SaiSS961

Ай бұрын

That's what happened to silicon valley bank last year. People rushed to the bank to withdraw all their money, raato raat bankrupt hogaya bank😂😂.

@uraa7509

Ай бұрын

@@kiransankarpati U r right , But RBI needs to intermediate immediately by raising interest rates or more stringent lending policy

Public hai sab kuch samajh ti hai Bank deti hai Deposit par 3%, loan interest leti hai 9-14% |😂

@sank241085

Ай бұрын

Deposits pe 3%. kaunsa bank deta hu itna kaam

Very very good news. I am happy to know that Indian learn about inflation and interest rates of bank. Indian gain financial knowledge.

@danlightened

20 күн бұрын

Exactly. And the inflation since a few years have been absolutely insane. I track CPI and everything but I feel like even those are not showing the ground reality.

The correct answer is: 1. Government The Government of India can borrow money using Cash Management Bills (CMBs) to address temporary cash flow mismatches. CMBs are a short-term borrowing instrument used by the government to manage its cash flow.

Paisa hoga tb to deposit krenge...!!

Sbi ke 400 days wali fd me 7.1% roi milta hai for general public and it's 7.6% for senior citizens

@Deepak-fh4ig

Ай бұрын

In PNB it's 7.25% for 400 days and 7.75 % for senior and 8.05 % for super senior citizen.

@vkpkck

Ай бұрын

Must increase it to 10% for five years

UPA-2 moved banks to almost bankruptcy due to planned NPA.... Covid- Impacted the financial situation unimaginable way Bank- Kept low interest rate as normal post covid which should have been revised Public - Contributed by way of NPA to Bank, now moving to share market. Ultimately Bank will suffer due to lack of funds and Public will suffer in future due to market bubble and crash....

Whenever you go to a bank to open an FD or RD, there staff will themselves suggest you to not open FD or RD but get term insuramce, invest in guaranteed income assets etc... because they have huge commission on that. Many a times I had to step out of the banks to avoid long discussion with them just to open FD or RD......

Mai khud nhi jama karta paise ... Hai hi nhi paise😢

@Brajesh_Exa

Ай бұрын

Mera bhi😢

@NatureSaySomething.God_On_Mute

Ай бұрын

Sahi

I know about dividends, options, RSU and I'm aware of the volatility of the traditional stock market. So, i invested in real estate.

@ankushdhawale4628

Ай бұрын

What is RSU?

@user-nv7mc8mr2k

Ай бұрын

@@ankushdhawale4628 Restricted Stock Unit. It's kinda of ESOP, given to the employees of companies.

As a banker I agree.... Ye sb points to hi.... lakin lower level pe bhi jo public ko hurt krti h ye ki Acts mai etni restriction daal diye hain... Withdrawal pe charges, deposit pe charges, ye compliance wo compliance, staff is very low in numbers can't handle all customers satisfactory so adhe se jyada customers service se khush nhi hai.... Even a simple KYC has too many compliance and process to follow it takes minimum 15 days to unfreeze acts ..... To kya hoga deposit ghatega hi 😏

Crazy tax over saving interest has forced people to move to stock market. Now government is increasing tax on stock market as well. This will force people to move from stock market towards illegal gambling and dabba market..and finally move to a different country which is already rising. All govt want is to extract more and more taxes and result is in front of you.

Log stock market mein to invest Kar Hi rahe hain Plus Ek yah bhi problem hai ki thoda sa deposit yadi kisi ke khate Mein a Jaaye to use per Itni enquiry hoti hai ki vah Agali bar Se usmein dalna Hi band kar deta hai thoda sa meaning means in thousands only

Liquid funds best option hai against savings account balance and fd

During my job in a PSU bank, there was tremendous pressure to canvass for mutual funds and insurance schemes. Initial setback was for the deposits, especially low cost ones. We, as employees warned the higher ups that we were selling the eyes to buy painting. For flimsy commission, banks bartered deposits. Now they are suffering.

For me cash handling charges is most painful. If I would deposit 51000 in a bank I have to pay cash handling charges of 65approx. So I stopped depositing cash which I collects from my income sources. I only deposits leftover which I failed up to get in account by Transfers.

@vodka_triceps

Ай бұрын

good to see people starting to realize money in the banks are not profitable..

Jab logon ke paas jobs nai hongi toh paise bhi nai honge, paise nai honge toh deposit krne ke bajaye woh paise haath mei rakhna prefer karenge

Log jamin kharid kar rakh rhe hai bhaiya 2-4 saal me double 😂😂 ,also invest in stock market

Share Market+Mutual fund+Real Estate+insurance policy-Bank Deposit

Sach toh Public ke paas paisa hi nahi hai.. deposit karna toh dur ki baat hai..daily khana khane ke liye bhi logo ko soshna par raha hai..😢

Paisa hoga tab to deposit karenge.... This deposit crunch crisis is just one of many issues arising due to unemployment...

RBI को interest rate बढ़ाना चाहिये bank FD पर 9.35% तक अगले 5 साल में interest rate लोगोंको देना चाहिये तो ही लोग सेविंग करेंगे

@dakshr4

Ай бұрын

Bhai kam se kam 12% karna chahiye 10 saal ke liye,

@kartikgupta3220

Ай бұрын

8.75% पर HL मिल जाता है, and saving पर 9% का intrest चाहिए

@vickyAlways

Ай бұрын

N sabse important us pr tax nhi lgna chahoye

@SiddM

Ай бұрын

FD per interest rate currently 6.5%- 8.25% h. Which is already high acc to them.

@aajtaklive8893

Ай бұрын

इंटरेस्ट बढाणा RBI के हाथ होता हैं? क्या

Banks mein deposit karna bewakoofi hai.... No matter what, never put ur money in bank. Rather put it in Liquid funds or hybrid funds or equity funds. But never ever put money in bank. Bank will use ur money to invest in market and will give u peanuts in the form of interest

Bank deposit interest rates 3_5% Inflation rate 7% Bank loan starting from 16.99% Bank earnings 50%+++ Why do the public choose deposit???

3% में दस्त लग गए बैंको के सोचो 10% भारत की आबादी का स्टॉक में लाया दिया तो खेला हो जायेगा😅

Banks offer lowest interest rates despite inflation. Service is poor in nationalised banks. TDS cut is another burden. Banks do not intimate customer FD maturity. People may invest in Bank when interest rate exceeds 10% and 10.5% for senior citizens. Before 2000 AD, Banks used to 14% interes on FD ehen inflation was nil. Now Inflation is 8% and interest rate is also 8% which means interest is nil. Because interest rate is nuetralised by inflation. Therefore wise customers stop investment but get cheaper loans from banks.

If I deposit 10 laks for one year Income Taax will be deducted from Interest. So the actual interest income is 7 minus 30% of 7 = 4.9 percent of interest only. If invested in stocks for long time it will be appreciated without tax unless I sold. So the investments are going into stock market and that's WHT stocks bull run. Dividends also received which are tax free. If you deduct Inflation from interest your interest income is only minus 0.5% PA. Real estate invest ment profit also no tax payable if invested in house construction. Why should any one can invest in Bank deposits.

10:21 🇶 *_Who among the following in India can borrow using the facility of_* *"Cash Management Bills" ?* ✅ Answer:- *[🇦] Government* *_जय हिन्द | | जय भारत | | वंदेमातरम् | |_* 🇮🇳 🙏🏽

@veenadubey5997

Ай бұрын

👍🏼👍🏼👍🏼👍🏼👍🏼👍🏼

@brijrajdubey9061

Ай бұрын

Great job 👍

Airtel payment Bank give 7% interest if you deposit more than 1 lakh ..

@roninr8199

Ай бұрын

Wasn't Airtel bank banned by rbi?

@blackbrute2504

Ай бұрын

Itna 1 day mai nikal loge market se.

@Unfollowthem

Ай бұрын

​@@roninr8199 no only Paytm Payment banks banned

@Excellence___1

Ай бұрын

​@@roninr8199Paytm bank namune

@HarshThakurRamRamJi

Ай бұрын

​@@blackbrute2504 bhai nikal de dikhao ek din me 7%

In my opinion Bank Should reduce Internet on deposits and fixed deposit to 1 to 2 % and accordingly reduce the Internet charged on loan

Inflation Low savings Plus bank are taxing on interest earned on savings account and FD. Etc

Log ke pas Paisa hi nahi h.. upar se tax hi tax !

@teron5084

Ай бұрын

Exactly

@vickyAlways

Ай бұрын

Tax tax tax

@akashtripathy1334

Ай бұрын

aur paisa hai toh sab Mutual Fund and Stock main laga rehe hai

@jimmyboy7504

Ай бұрын

@@akashtripathy1334 usmevi tax .. 🥲

Maine bhi minimum amt rakha hai and baki ka Invest kar diya .

@Fekuchand_

Ай бұрын

Firt post से इधर आ गये क्या 🤣

@Fekuchand_

Ай бұрын

First post

RBI should raise the interest rate a bit more inorder to make this stable, people taking more loan means the money supply is very high among the banks , so RBI needs to raise interest rates on deposit in order to avoid the disaster

Unless they remove taxes on FDs or increase savings account interest rate, nothing will change. Even then, liquid funds are perfect for parking money. 😂

SBI workers (many) still not behave well with their costumes, and most people do not have savings in India because of jobless or less salary.

Banks will have to start borrowing from private banks very soon..

@monjyotiboro.

Ай бұрын

?? Majority of the banks are PSUs now

@alverzenongkhlaw5688

Ай бұрын

@@monjyotiboro. very soon - interest rate on savings like western countries

Its better to have fd account than savings account if that money is not going to be used for next 2 years.

One of the main reason is people applying ipo, sme ipo instead of Fd.

It is perfect time save your money in bank because stock market and mutual fund become bubble Mark my words most of the people going to cry when this bubble burst

@user-lx1to6pl4j

Ай бұрын

Then it's good time to invest in mf through SIP, har deep cut pe purchase hoga 😂

@religionofpeace782

Ай бұрын

Yes...keep money in bank...and once the bubble bursts...take out everything from bank and invest in market and get 25% cagr for the next 5 years😅

Log ab market me paisa daal rahein hain

B) option : ✔✔✔✔✔✔🙏🙏🙏🙏🙏🙏✔✔✔✔✔✔R B I : The Government of India, in consultation with the Reserve Bank of India, has decided to issue a new short-term instrument, known as Cash Management Bills, ...

Or last year hu bank ne sbse jyda profit kamaya h . Mtlv all time high profit earn by banks in FY23-24

It's because people have realized how banks have fooled us all these years with FDs. People are investing themselves.

Sarkari employee kam interest pe loan lete hai or garibo ko 2 ke byaj pe dete hai 😮

One main reason is credit driven society we are moving to.. earlier people used to save a major part of their income.. now people want to expend more than they earn.. see the growth in sale of vehicles and i phones..

It is due to Govt & RBI imposed new rules that is forcing customers to look for alternatives of Banking industry. Now ATM usage is also taxed and bank profits are passed on to RBI.

Log pagal h.. bank is for emergency fund deposit/safe keeping money.. market is for long term goals

@sudheerk67

Ай бұрын

Log pagal nahi hei.. Debt funds that invest in AAA bonds give better returns with only slightly more risk than FDs. Tax accretive on top of it.

Increase saving interest

Bank deposit 100000 after 1 year- 102750 rupees Mutual fund deposit 100000 after 1 year 121000..total in 20 month mutual fund portfolio 135000

Govt charge charge heavy taxation on FD interests. Taxes on mutual fund earnings are lesser.

@pingpong9005

17 күн бұрын

Àb bada diya nirmala neh

Rbi paisa hi paisa 🎉