Fixed Deposit:இத பண்ணி உங்க பணத்த Double ஆக்குங்க|Middle Class எல்லோரும் கண்டிப்பா இத தெரிஞ்சிகோங்க
Ойын-сауық
A fixed deposit (FD) is a financial instrument offered by banks and other financial institutions that allows individuals to deposit a sum of money for a fixed period of time, typically ranging from a few months to several years. It is also known as a term deposit or time deposit.
When you open a fixed deposit account, you agree to keep your money with the bank for a specified period known as the "term" or "tenure." During this time, you cannot withdraw the funds without incurring penalties or losing the interest earned. The interest rate offered on fixed deposits is generally higher than that on regular savings accounts.
Here are some key features and benefits of fixed deposits:
Interest Rates: Fixed deposits offer fixed interest rates that are generally higher than those of savings accounts. The interest rate is determined by the bank and can vary based on the deposit amount, tenure, and prevailing market conditions.
Tenure Options: You can choose the tenure of your fixed deposit according to your needs and preferences. The most common options range from a few months to a few years. Longer tenures often offer higher interest rates.
Interest Payment: The interest on fixed deposits can be paid out in different ways. It can be credited to your savings account on a monthly, quarterly, or annual basis. Alternatively, you can choose to reinvest the interest, where it is added to the principal amount, resulting in compounding interest.
Safety: Fixed deposits are considered relatively safe investments since they are backed by the bank. In many countries, deposits up to a certain limit are insured by the government, providing an additional layer of security.
Liquidity: While fixed deposits have a fixed tenure, most banks offer the option of premature withdrawal in case of emergencies. However, you may be charged a penalty or receive a lower interest rate in such cases.
Investment Planning: Fixed deposits are a popular investment tool for individuals looking for stable returns and capital preservation. They are often used for short-term financial goals, such as saving for a down payment on a house, planning for a vacation, or accumulating funds for a specific purpose.
Tax Implications: The interest earned on fixed deposits is generally taxable as per the income tax regulations of your country. The bank may deduct tax at source (TDS) on the interest income or provide you with a certificate for tax filing purposes.
It's important to compare the interest rates offered by different banks and consider the terms and conditions before investing in a fixed deposit. Additionally, you should assess your financial goals, risk tolerance, and liquidity needs to determine if a fixed deposit aligns with your overall investment strategy.
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பொருளாதார ரீதியாக தடுமாறி கொண்டிருப்பவர்களுக்கு நீங்கள் சொன்ன ஆலோசனைகள் நிச்சயம் பலனை கொடுக்கும்....ஒவ்வொரு நாட்களும் உங்களுடைய சேனலில் என்ன விவகாரம் பற்றி விளக்க போறிங்க என்பதை தெரிந்து கொள்ள் ஆர்வம் நாளுக்கு நாள் அதிகமாகிறது நண்பர்களே.
அப்படியே RD பற்றி வீடியோ போட்டால் நன்றாக இருக்கும்....❤
பணத்தை எக்காரணம் கொண்டும் பேங்கில் டெப்பாசிட் செய்யாதீர்கள் வருடத்திற்கு விலைவாசி உயர்வு குறைந்தது 8% எனவே நீங்க போட்ட பணத்தோட மதிப்பு இன்று 10000 க்கு என்ன பொருள் வாங்க முடியுமோ அதே பொருளைதான் 10 வருடம் கழித்து வரும் வட்டியோடு சேத்து வாங்க முடியும் எனவே பணத்தை முதலீடு செய்ய நல்ல உயர்வு தரக்கூடிய பங்குகளில் முதலீடு செய்யலாம் அல்லது குறைந்த விலையில் கிடைக்கும் பிளாட் வாங்கலாம்
@hardikpandiya5624
9 ай бұрын
Apo middleclass makkal Vera ethula ivest pandrathu solunga pls
@rajalakshmi9270
3 ай бұрын
Adhan solitaar la msg a fulla padikama adutha kelvi
Please அண்ணா ESI PF பற்றி ஒரு விரிவான வீடியோ போடுங்க please
@ridewithkmr3268
Жыл бұрын
Yenna doubt ungalukku
@sajeer916
Жыл бұрын
@@ridewithkmr3268 எனக்கு அதைப் பற்றி ஒரு 30% தான் தெரியும் ஒவ்வொருவரும் ஒவ்வொரு மாதிரி சொல்றாங்க
@premaprakash8336
Жыл бұрын
S bro pf pathi podunga..
@billa9205
Жыл бұрын
நண்பா pf claim பண்றத பத்தி KZread நிறைய வீடியோ போட்டு இருக்காங்க அதை பார்த்தீங்கன்னா உங்களுக்கு ஓரளவு புரிந்துவிடும்
@Red_Duker
Жыл бұрын
Yes
index funds , post office schemes and its returns etha pathi video poduga
ungala mathiri utuber illana engala mathiri irukkiravangalukku ethuvum theriyathu. thanks a lot bros.
Thanks for use ful information 🤗🤗🤗...
பலருக்கும் இது பயனுள்ள தகவலாக அமையும் அண்ணா 😊❤😊
@vengatv485
3 ай бұрын
Bro do you know about NCD it's more then FD bro please check it
Bro post officela irrukira deposit scheme pathi video podunga
பயனுள்ள தகவல் நன்றி ,
அருமையான பதிவு .... continue delecots ❤❤❤❤❤ Congrats TEAM🎉🎉🎉🎉🎉🎉
Hats off👏👏👏
👌 anna nalla cleara purunjathu ty
Useful information bro......... appadiye housing loan pathi podunga bro.......
Next video la SIP pathi konjam details sonna nala irukkum bro
One small correction, if deposit is within 5 lakhs in scheduled bank, then no risk. Kindly include to improve awareness..
Use full information bro
Post office schemes are better than Bank FD. - SSY 8% - PPF 7.1% - SCSS 8.2% - PO MIS 7.4% - RD 6.5% - Mahila samman 7.5% - NSC 7.7% - KVP 7.5% These interest rates are for quarter July-Sep 2023.
@lifevision3815
Жыл бұрын
Whether taxes are deducted for this.?
@RKSubi
Жыл бұрын
Most of this are central government schemes which is common in po and banks, carrying same ŕate of interest only
@sujithr579
11 ай бұрын
SSY...? SCSS...? Full form sollunga please..?
@thiruchelvamm5247
11 ай бұрын
8% Bank FD is available
@shyamms1
11 ай бұрын
@@sujithr579 SSY - Sukanya Samridhi Yojana SCSS - Senior Citizen Savings Scheme
Post office la iruka schemes pathi podunga . Interest adhigam nu solranga...
Which bank sector best Government or Private and which one safe of bank sector , Please clarify dobut.
Indha madhiri finance video neraya podunga
👌thanku, bro
Monthly income scheme pathi potunga ji
Bro ella information super but, namma entha account vachuruntha nall irrukum athapathi sollunga bro👍🏻👍🏻👍🏻👍🏻👍🏻👍🏻
Amazing👍 information🙏 💐👏
Tq so much Anna ❤️👍
Income tax pathi details podunga brother
அண்ணா bank la salary saving pathi video poduinga eadhula poota savings interest adhigama varum 😅
ANNA INDEX FUNDS SOLLUNGA BEST FOR GOOD INVESTMENT FOR LONG TERM AND HIGH RETURNS COMPARE TO FD
Super explanation
Very informative video keep it up
நல்ல தகவல் தம்பி 👌
Paytm payments Bank மூலம் நாம் எளிதாக online ல் fixed deposit தொடங்கலாம். குறைந்தபட்சம் 100 ரூபாய் இருந்து தொடங்கலாம். எவ்வித கட்டணமும் இன்றி இடையில் பணம் தேவைப்படும் போது எடுத்துக் கொள்ளலாம்
FD will not beat our infusion... Best go with Index fund... Average returns 12%per year.... And this is for long term investers only... 🎉🎉🎉
Super tips na
Anna nowadays FD is useless because value of money is 7% loss for every year
@sureshkumar-zo5sl
Жыл бұрын
Inflation will kill us soon
@vimalmani2793
Жыл бұрын
தமிழ்ல கொஞ்சம் சொன்னேங்கனா நல்ல புரியும் அண்ணா...
@Freekygopi
11 ай бұрын
@@vimalmani2793 வருடம் வருடம் 7 சதவீதம் பணம் மதிப்பு குறைகிறது என்கிறார் ( அத்தியாவசிய பொருள்களின் விலை உயர்வு )
Inflation rate india la high thana bro... Namaku fd amount profit ah ila lose aaguma nu video podunga bro
SUPER INFORMATION
Kindly mention the TDS as well, so that everyone aware of it. Note: While we withdraw the FD,RD from bank we need to show the details (interest earned) in our Tax (while filing) - You can view/download from your netbanking/mobile app of your official Bank app. We need to show that interest as our second source of income
@vasumathigangadharan820
Жыл бұрын
😊
@pavijeni7080
11 ай бұрын
If you earning interest more than 1lakh mean u need to pay tax otherwise no tax deduction
@er_deepika
11 ай бұрын
Intrest more than 40,000 they deduct tds(FD) For savings account interest 10,000 we can avail exception
While Comparing inflation, fd la panam podrethu just namma anount ah apadiye vachiruke maari taan. Athode mathipu apadiye irukum but growth aagathu. If you need to grow your money then make sure of investing in a medium which gave returns af atleast above 10 percentage.
அண்ணா அடுத்த வீடியோவில் Share market தொடர்பாக பதிவிடுங்கள்
@theneeridaivelai
Жыл бұрын
kzread.info/dash/bejne/i65sp5KAocK7Z7A.html
@srinivasanv633
Жыл бұрын
@@theneeridaivelaianna your videos are informative language slang 😍👌👌👌🙏🙏🙏
FD is okay. But FD won't beat inflation.
@muthumani.k8815
11 ай бұрын
Try mutual fund
@learntheworld-competitiveexams
11 ай бұрын
@@muthumani.k8815with own risk😂😅
@muthumani.k8815
11 ай бұрын
@@learntheworld-competitiveexams how.. Can u explain
@shyamms1
11 ай бұрын
@@muthumani.k8815 I have put 5000 in Tata Digital India Fund Direct Growth on 3rd Jan 2022.. Its value now is 4363.18. so not all mutual funds give better returns.
As per inflation rate ,fixed deposit என்பதே ஒரு மாயை தான் ..அதனால் பெரிய பயனேதும் இல்லனு தெரியாம யார்றா இவனுங்க ...😂😂😂😂😂...investment strategy is must ...
Bro NRI investment plans pathi solunga
Please make a video on nps tire 1, tire,2 account
But inflation rate year ku 7% degrees aaguthu nu soldrangaley bro...... itha Konjam explain pannunga bro....
Bro foreign coin la bank la change panna mudiuma atha pathi konjam video podunga bro
இதற்கு முன்னாள் நீங்களே ஒரு ஒளிப்பதிவில் வங்கியில் வைப்பதை விட நகை நிலம் மற்றும் வேறு சில வழிமுறைகளை கூறினீர்கள் ஆனால் இப்பொழுது வங்கியில் நிரந்தர வைப்பு வைக்க சொல்லி ஒளிப்பதிவு செய்வது எனக்கு ஒன்றும் புரியவில்லை
@mohansundaram6551
11 ай бұрын
If you have lot of money like more than 10lakhs...buy land or gold...its return will double compare to FD....
Thanks for info
அன்பு சகோதரர்களுக்கு நன்றி பயனுள்ள தகவல்
Post office schemes details sollunga Bro...
Bro entha bank la intrest rate athigam sollunga
Interest rate for senior citizen saving scheme is 8.2 % as on today( w.e.f 1st April 2023) (5 years lock period).
@MUNIRABEGUM-ct8fr
11 ай бұрын
Enda bank endru sollunga sir
@marumuganainar
11 ай бұрын
9% in Equitas bank for senior citizen
@shyamms1
11 ай бұрын
@@MUNIRABEGUM-ct8fr Senior citizen savings scheme is a post office scheme
@YoYoYogesh24
11 ай бұрын
Fixed deposit is waste
@saishraj4636
8 ай бұрын
DTC BANK LA PODUGA 1OOOOO KU 7OOO VARUSATHUKU KUDUPPANGA
Very useful
Nice information
Selva magal thittam pon magan thittam nu post ofce la iruke athaium solirunga na. Inum postla enala scheme nu solunga help ah irukumla
Bro Flipkart and axis bank provide personal loan atha pathi konjam solluga and how to repayment atha pathi konjam solluga
Post office la naraiya savings scheme iruku bro atha pathi solunga bro
Please explain about ESI AND PF AMOUNT
Fixed deposit disadvantage pathe video Podinga bro
Bro share market pathi konjam sollunga
Plz tell about SIP investment sir🎉
Neenga podura video ellam very useful ahh eruku bro😊✨
@chinnarajm6242
11 ай бұрын
Bro pls put which has more rate of interest among gold chit coin purchase on monthly base or Rd fd or post office scheme
Bros super
வங்கிகளில் "நிலையான வைப்புகளுக்கு" அரசாங்கம் காப்பீட்டையும் வரையறுத்துள்ளது. காப்பீட்டுத் தொகைக்கு வரம்பு உள்ளது...
RD pathi video poduga bro
மனநிறைவு
Senior citizen nu fixed deposit la 500000lk pottu 4000 than koduthaga brother, scheme sollum podhu nalla than solluranga, ana panam podum pothu poona maathi solluranga,
Fixed deposit ok than but public sector bank aa Vida small savings bank la invest panina 9 percent varaikum interst kedaikum
@muthumani.k8815
11 ай бұрын
There is no guarantee
@ajithmechanizer556
11 ай бұрын
@@muthumani.k8815 upto 5 lakhs your money is guaranteed under rbi guidelines
Create awareness about SIP , mutual funds , index funds and share market works
அண்ணா ESI PF பற்றி ஒரு வீடியோ போடுங்க
Rd pathi full details kuduinga
Lic policy ..middle class people kku bestaa sollunga
Oru company la work pannitu irrukum pothu monthly salary vangurom antha amount avanga pudichittu tha debit pandranga 15000 appdina fresher irrutha amount pudikka kudathu sollitanga company la Irruthum contracter pudichittu b Debit pandranga naga ketkka pona correcta answer pannama poranga Itha naga eppdi complaint pandrathu amount eppdi refund pandrathu
First view
FD yaaa pathi enum thaliva slunga. Bank lose achuna interest ummm varathu deposit amount pathi tha varum
Inga neraya peru inflation rate kuda compare pani fd waste nu solringa...apo savings account le kaasu sethu vacha adhu inum worst...fd is not a big return making investment...its just better place to store ur money than savings account...inflation rate ah beat pananum na high risk investments(shares,sip) ku ponga
உருப்படி ய இப்ப நல்ல செய்தி சொல்ரிங்க😊
Super bro thanks lot
Yes true
Recurring deposit pathi solave Ila!
Kasu kuda vana irukuradhu pudikama iruka solunga
Bro intha pf aparam after resign pension amount epudi calculation pannuvaanganu sollunga bro
Property tax water tax name change pandra video poduga guys application kuduthum entha action uh edukama irukanga lancham ethir pakkuranga pola 8 month pakka agituchu ethuvum complaint pannanum nu kooda theriyala
Superanan
Bro yennudaya sb account flexi FD deposit yeppudi convert panrathu
CRR and SLR pathi oru video podunga brother 😊
@karthickraja7097
Жыл бұрын
Banking aspirant spotted 😂
@saravanansk1317
Жыл бұрын
@@karthickraja7097 Namba aalunga ingaium ah🤣
SIB defosit pathi video podunga bro
@ishwarya454
Жыл бұрын
Not a SIB .It Is SIP Bro
bank bonds pathi video podunga
Sovereign gold bond full scheme sollunga sir
How bank are calculated sb account interest rate
FD interest rate is 5%, inflation rate is nearest 6%
@LolLol007
Жыл бұрын
Isn't it 6. Something ?
@vasanthkumar6014
Жыл бұрын
Lot of different deposit in the market here daily interest fund also available like liquid fund
Sir mutual fund ,sip pathi solunga sir
அடுத்து இந்த பணவீக்கம் (inflation) பத்தி பேசுங்க அதுவே 7% பக்கமா இருக்கு
@Needhipesuvomchannel.
11 ай бұрын
பண வீக்கம் அப்படினா என்ன உங்களுக்கு தெரியும்னு நினைக்கிறேன் உதாரணத்துக்கு பெட்ரோல் விலை விலை உயர்வு
Flexible FD which bank provides this type...any one knows reply me...
Hi na entha bank na best??....edhula..fixed deposit pandradhu na
Maximum 6% dhan for normal persons..... Senior citizens will get 7% above
Bro Nan work panna company la salary potamatakuranga avnga Mela ges poda mudiuma nu solunga
Terms and conditions ah padeche paatha thereyum pureyum namba yaarum me aadha padekerathu illaye padekera aalavuku time mum Illa Avalo potu vache irukanuga 😂😂😂
Fd yen bro percent kuraiyuthu?