Sir aap mahan ho aap ke jaisa Guru miljaye tho life set hai

@DrSurendraRajpurohit

Жыл бұрын

Thanks for so kind words.... it means a lot...🙏

@mukeshkumarpareek9998

Жыл бұрын

​@@DrSurendraRajpurohit bank of baroda ya DCB bank ya kotak bank me ye mil sakta h kya Milega to kese milega

@DrSurendraRajpurohit

Жыл бұрын

@@mukeshkumarpareek9998 No, these banks do not provide that option.

@mukeshkumarpareek9998

Жыл бұрын

@@DrSurendraRajpurohit konse bank me milega

@DrSurendraRajpurohit

Жыл бұрын

@@mukeshkumarpareek9998 ICICI Bank iWish

Thanks

@DrSurendraRajpurohit

Жыл бұрын

🙏

very well explain

@DrSurendraRajpurohit

8 ай бұрын

Thanks for the feedback...🙏

Good

@DrSurendraRajpurohit

11 ай бұрын

Thanks 😊

Thks but its like in post office, post office main lumpsum amt par fixed rate of interest lock hota hain

@DrSurendraRajpurohit

11 ай бұрын

It is only possible in flexible RD.... Not only that, it also depends upon what terms and conditions Banks have kept for these products .... most banks have not left any major loophole.... but ICICI Bank iWish still is quite attractive, as it has the maximum flexibility....

Bob world ,FD/RD par invest 1Lakh Lumpsum once what will I get after 10years? What will be another better investment options ? in between years i dont wont any returns , want it returns after 10years . Ans please send kar da.

@DrSurendraRajpurohit

10 ай бұрын

BOB is offering only 6.5% for 10 year tenure, so you will get 190556 after 10 years on 1 lac investment.... ideally you should be investing in mutual funds, if you have an investment horizon of more than 10 years.... but if you are looking for only fixed income options, you may consider NSC offering 7.7% or RBI Floating Rate Bonds, which is offering 8.05%.... I have also made a video on that...

Dimag ghuma dia. 😅😂

sirji want to invest 10 lakh lumpsum once what will i get after 10 years ?what will be another better investment options ? in between years i dont wont any returns , want it returns after 10 years

@DrSurendraRajpurohit

Жыл бұрын

FDs are for short term liquidity.... if you have 10 year horizon.... then you you should invest in mutual funds to get better returns.... you may invest 30% immediately and remaining 70% staggered across next 6 months... for better understanding, please watch kzread.info/dash/bejne/hHyWutqQkrzYidI.html

@Insurancewallah

8 ай бұрын

invest in lic dhan vriddhi plan and get returns as well as your 10 lacs will be return on maturity you can get life insurance on same plan as well as many benefits . you will get 5 percent dsciount more just contact your nearest agent

Sirji do we need demat account for floating rate saving bond?

@DrSurendraRajpurohit

4 ай бұрын

No sir...

🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏

@DrSurendraRajpurohit

Жыл бұрын

🙏

आपने इस वीडियो में इंटरेस्ट रेट एक से दो परसेंट ज्यादा मिलने की बात कही लेकिन यह वीडियो के स्टार्ट से लेकर एंड तक कहीं भी वह क्लियर नहीं हो रहा

@DrSurendraRajpurohit

Жыл бұрын

I would advise you to go through the video once more, and try to understand how I have the option of geting 9.5% today (and my friend has the option of getting 8.5%), then you will understand how to get today's rate locked for future without having to make any investment today (by investing just Rs 50, you can do that.... and even that Rs. 50 is also going to be the part of your investment only, which you will get back on maturity... and these are NOT any charges) so, you are getting this option absolutely free, by following the Jugaad trick suggested in the video...

@vikykaushik5112

11 ай бұрын

सर icici बैंक में mip प्लान, एमआईएस में 20 लांख पर कितना मिलेगा हर महीने 👈👈👈

@vikykaushik5112

11 ай бұрын

i wish स्कीम icici Bank में अब भी जारी हैं क्या , क्या हर महीने मिलेंगे इसमें भी 👈👈👈

@DrSurendraRajpurohit

10 ай бұрын

@@vikykaushik5112 Assuming 7% interest rate, you will get 11,599 per month... on 20 lakh FD

@DrSurendraRajpurohit

10 ай бұрын

@vikykaushik5112 yes... iWish abhi bhi hai, lekin isme cumulative interest milta hai maturity per.... monthly nahi...

🤯

Nice information sir , But how to count inflation on which factor it depend , and the intrest they are giving , it will get on monthly deposits or on whole final amount they will give.

@DrSurendraRajpurohit

8 ай бұрын

Inflation rates are published by Government of India on regular basis..... Interst is calculated on daily basis but may be paid on monthly or quarterly or annual basis

In sbi it is possible iwish type FD

@DrSurendraRajpurohit

7 ай бұрын

Yes, it is there. But it comes with a lot of restrictions ..... and therefore, cannot be used as effectively as ICICI Bank's iWish, for locking the interest rates, without committing any significant amount...

25000 jama karke 1000 payout ke liye kya karna hoga

Thank you Sir for this information! Just wanted to understand what if we invest a big sum initially like say 3 lakhs and later we want to withdraw it before maturity period of 5 years. Is that possible? Can we break the Rd? If yes, what are the charges?

@DrSurendraRajpurohit

11 ай бұрын

Of course, you can do that, but that would be like any normal FD.... the use of flexible RD in a smarter way would be to take the advantage of long term interest rates, without blocking our amount for long-term, as has been explained in this video....Also, premature withdrawal will attract penalty to the tune of 0.5 % to 1%...

@JeetendraAdvani

11 ай бұрын

@@DrSurendraRajpurohit Thank you so much for your response. This seems like a really good strategy👍

@Pankaj-xu5hp

11 ай бұрын

And the penalty of 0.5% to 1% will be deducted from interest amount not form our principal nah?

@DrSurendraRajpurohit

11 ай бұрын

@Pankaj-xu5hp Of course, from interest only.... the redemption/maturity amount can never be less than the principal amount ....

@amitt319

9 ай бұрын

​@@Pankaj-xu5hpboth calculations are same only 😅

Please confirm if our maturity date of iwish comes & we have not accomplished the target amount we set while creating iwish, will we face any charges or penalty in that case Or bank will allow us to withdraw 50 rs we deposited while creating iwish without any charges.

@DrSurendraRajpurohit

Жыл бұрын

No charges. You will get Rs. 50+ interest thereupon on maturity.

@sonalirana8379

Жыл бұрын

@@DrSurendraRajpurohit thank you sir for helping me with my queries and Enlightening us regarding these tricks.

अच्छी अच्छी स्कीम बताओ सर जिससे पैसे कमा सके इंटरेस्ट से ज्यादा हम 🙏🙏🙏 नमस्कार सर

@DrSurendraRajpurohit

10 ай бұрын

Sure

अब कोई बैंक 5 साल से उपर की सीधी FD नहीं करता, केवल पोस्ट ऑफिस में KVP ले सकते हैं 11 साल में दुगना करता है😮

@DrSurendraRajpurohit

10 ай бұрын

Even today, most banks provide FDs upto 10 years tenure...

@charanpal7707

4 ай бұрын

9 year 7 month m karta kvs m

Pnb mai bhi hai ye suvidha ..

@DrSurendraRajpurohit

Жыл бұрын

It is there in most banks.... but PNB flexi deposit scheme will not be as useful for this Jugaad trick.... because you need to contribute some core amount (at least Rs. 100 per month) and the maximum amount you can then contribute for any month cannot be more than 10 times of your core amount... meaning not more than Rs. 1000, if the core amount you chose was only 100..... whereas in ICICI Bank iWish, you just have to invest Rs 50 per iWish, to begin with, and then no monthly contribution is required, and then you can invest upto Rs. 5 lakh, whenever you want to in the next five years (e.g. you suddenly have got some lumpsum funds after say 3-4 years, and the interest rates prevailing during that time are not really attractive, and you want to use the option of this iWish, wherein you had locked the interest rates a few years back)

Sir, so are you saying if i open an iwish account with starting amount ₹50 and target amount ₹5Lakhs for 5 years @7% ROI, but deposit most of the money in last month only.. ROI will still be 7% for that 1 month?

@DrSurendraRajpurohit

9 ай бұрын

Yes, Exactly....✅️

@shanmugarajasenathipathy772

7 ай бұрын

@@DrSurendraRajpurohit -- If we invest lumpsum on last month, I believe we will not get the promised interest rate. Kindly confirm

@DrSurendraRajpurohit

7 ай бұрын

@shanmugarajasenathipathy772 No, there is nothing like that.....you will get interest for every day, irrespective of what day of the month you invest.... It's only in case of PPF that you should invest before 5th of any month.... if you invest between 6th to 31st of any month, you will not get interest for that month..... but this is applicable in case of PPF.... in FD RD it's not like that....

5.25 start

Only if you have good amt of 4-5 lacs during iwish but if you donot have money?? Or if you have money since beginning 😮😮, iwish or flexible RD.

@DrSurendraRajpurohit

11 ай бұрын

You can and should have multiple iWish (of 50 Rs. Each) at any time maturing at different time periods. Then whenever you have money to invest (4-5 lakh) then you can put the same in that iWish which is maturing next year. And next year again if you don't need that money, again park it in the next iWish maturing in the subsequent year.... and so and so forth...

Ab aisa nahi hai, iWish ki terms & condition change ho gai hai. Plz confirm ?

@DrSurendraRajpurohit

11 ай бұрын

Yes, and the changed conditions are also mentioned in the video...

Apse ek question hai , every year mei 90,000 ki fd karu for 20 years Next fd 90,000 for 19 yrs Next fd 90,000 for 18 yrs ... Ayse karte krte kitna ho jayega 20 saal me

@DrSurendraRajpurohit

10 ай бұрын

Assuming 7% interest, it would become 39.47 lakhs after 20 years

@yogeshkumar-rn1pm

10 ай бұрын

@@DrSurendraRajpurohit tks

Sir maine 444days k liya pnb me fd kiya tha...int. rate tha 7.75% ...maine monthly basis pe kiya tha, 8lakh rupees, mujha us hisab se 5000+ amount pana chahiya tha, lakin sirf 4130 rupees hi mil raha hain...kya kare jara bataiye please...😢

@DrSurendraRajpurohit

Жыл бұрын

You have to check at what frequency the bank is compounding the interest, if they are compounding at quarterly or half-yearly or annually, and paying the interst on monthly basis, then effective interest rate will be less than 7.75%.... Also, check if they are deducting TDS, then you need to submit form 15G/H...

@HareKrishnayNamah

Жыл бұрын

@@DrSurendraRajpurohit Sir I submitted the 15G at the time of Investment...And I invested it for monthly basis income...

@DrSurendraRajpurohit

Жыл бұрын

@@HareKrishnayNamah @user-wp2np7ps9r Interest will be calculated as per the compounding frequency (which can be quarterly/half yearly or yearly, and you need to check with your bank at what frequency they do the compounding).... which can be different from the frequency at which the interest is credited (which in your case is monthly)... Also, please note that 15G is to be submitted for every financial year

Koi khud se online fd kare aur auto renewal pe laga de....phir uska death ho jaaye to fd kaise auto renew hona band hogi aur nominee ko milegi ?

@DrSurendraRajpurohit

9 күн бұрын

Nominee jab bank ko account holder ke death certificate ke saath approach karega, tab bank FD close karke paisa nominee ko transfer kar dega

iwish flexible RD starts with min-5000. INR not Rs. 500/- nor Rs. 50/-

@DrSurendraRajpurohit

2 ай бұрын

You can do iWish with Rs. 50 only with ICICI Bank... Try that out.... I have got a number of iWish done for Rs. 50 only...🙏

Upper upper se paar ho gaya. Hawa hi nahi laga. Aakhir kya kahna chahate hai aap. 3-idiots film yaad aa gaya video dekhkar.

@DrSurendraRajpurohit

11 ай бұрын

I would advise you to watch the video again, and try to understand how come I have an option of investing @9.5%, whereas the interest rates are currently at around 7%..... To explain in brief, I have used the flexible RD option of ICICI Bank by investing just 500 Rs per iWish, and thereby locked the interest rates for 10 years around 7 to 8 years back.... and therefore have an option today of either investing upto Rs 10 lacs per iWish (if the locked interest rate is higher) or to ignore that option and invest at current interest rates (if current interest rates are more than the locked interest rates) ... I hope this clarifies your doubt....

Too complicated to understand video..

@DrSurendraRajpurohit

Жыл бұрын

I would advise you to watch the video again, and try to understand how come I have an option of investing @9.5%, whereas the interest rates are currently at around 7%..... To explain in brief, I have used the flexible RD option of ICICI Bank by investing just 500 Rs per iWish, and thereby locked the interest rates for 10 years around 7 to 8 years back.... and therefore have an option today of either investing upto Rs 10 lacs per iWish (if the locked interest rate is higher) or to ignore that option and invest at current interest rates (if current interest rates are more than the locked interest rates) ... I hope this clarifies your doubt....

@motuseth7465

11 ай бұрын

Yes.. He just forgot to tell that money once invested will be locked for 10 years.. 😂

@DrSurendraRajpurohit

11 ай бұрын

@@motuseth7465 Only Rs 500 per iWish (in fact, as per revised terms & conditions, now only Rs 50) will be locked for the complete tenure.... the main amount of 5-10 lakhs, you may invest just one year before the maturity.... so, that remains locked only for one year.... and since you would have multiple iWish, you can also decide which particular year you want to lock (invest) your money...

@gyan4trick

10 ай бұрын

Per 9.5% kaise hoga ye toh 7.1% dikha raha hai

@DrSurendraRajpurohit

10 ай бұрын

@gyan4trick 9.5% is the option available to me even today, if I want to invest.... that is because I had locked it around 8 years back..... so, if you lock the current interest rates, say 7.1% by investing just 50 rupees.... and then suppose after 3-4 years, if the interest rates drop to 4-5%, you would still have the option of investing at 7.1% by using these iWish.... and if the interest rates in future increase to say 9-10%.... you can invest directly in that, and ignore these iWish created by you with an investment of just 50 rupees per iWish....

Dear Sir, pls. let me know how interest is calculated on this scheme. Is it calculated daily or last day of month or maturity day? Let's say it's 1 year RD @ 7.20% Interest and on Day 1, I depoisted 50 INR and on 360th Day I deposited 5,00,000 - Will I get interest of 19,064 INR? And interesting if it's 5 Year FD @ 7.50% Interest Rate and on 1st day I deposited 50 INR and on 1800th Day I depoisted 5,00,00 INR will I get 88,460 INR ? Thanks all

@DrSurendraRajpurohit

7 ай бұрын

Interest calculation is same for FD/RD/iWish I.e. compounded on quarterly basis...

@shanmugarajasenathipathy772

7 ай бұрын

@@DrSurendraRajpurohit Thank you sir

Sakim kya hain 😂

Kuch v samjh nahi aya sir😢

आप बघताना क्या चाहते है कुछ समझमें नहीं आया

@DrSurendraRajpurohit

Жыл бұрын

I would advise you to watch the video again, and try to understand how come I have an option of investing @9.5%, whereas the interest rates are currently at around 7%..... To explain in brief, I have used the flexible RD option of ICICI Bank by investing just 500 Rs per iWish, and thereby locked the interest rates for 10 years around 7 to 8 years back.... and therefore have an option today of eithet investing upto Rs 10 lacs per iWish (if the locked interest rate is higher) or to ignore that option and invest at current interest rates (if current interest rates are more than the locked interest rates) ... I hope this clarifies your doubt....

काल्पनिक नहीं

Click bait.

Icicibank sabse fudu or chor bank