Why the gap Between bank credit and deposits are worrying
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- Опубліковано 11 вер 2024
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There was a time when FD rates were 15 to 16%. Now, inflation is 7% and SBI FD rates are 6.5😂
And income tax on top of that
Lunch time ke bad aayiye fir discuss karenge fd ke interest ke bare main😂😂😂😂
effective yield post tax =4.512% this is enough in that case if someone has done fd of INR 100 crores 50 crores,500 crores, and more. because absolute income after tax will be so high no effect will be shown on that amount even if the effective yield post-tax =4.512% is on the other side it will decrease the value of your amount if you have done fd IN LOWER AMOUNT in the bank
@@manup108effective yield post tax =4.512% this is enough in that case if someone has done fd of INR 100 crores 50 crores,500 crores, and more. because absolute income after tax will be so high no effect will be shown on that amount even if the effective yield post-tax =4.512% is this on the other side it will decrease the value of your amount if you have done fd in the bank
My dad invested a long time ago it was 14.75
बँक सिर्फ अडाणी अंबानी को लोन देगी
No they also given loan to Me , Please add my name also 😅😅
सरकारी बैंक हिंदुओं की तरक्की देख नही सकता इसलिए हिंदुओं को लोन नही देता है. हिंदु राष्ट्र बन जाता तो हिंदुओं को फटाफट सस्ते मे लोन मिलता
Ab tu gareeb hai to tujhe loan kyu degi
Gareeb ke mkc
Sir, jobs nhi hai, jo hai woh underpaid hai, ab 10 se 20 hazar ke salary me bandaa khaye, parivaar paale ki bank me jama kare...
aur upar se apna paisa jama krne ke liye duniyabr ke questioning/verification😢
Indian stock market me india ki gdp se jyada invested hai wo kaha se aa rha. Paisa bahut hai inflation bhi beat na kr pae aise investment ka kya faida
सरकारी बैंक हिंदुओं की तरक्की देख नही सकता इसलिए हिंदुओं को लोन नही देता है. हिंदु राष्ट्र बन जाता तो हिंदुओं को फटाफट सस्ते मे लोन मिलता
Steve jobs dead.
Bank FD rate(7%) barely covers the inflation rate.
Still u have to pay Income tax on it. Why should one keep money with bank ?
People r now investing in real estate, stock market, gold, etc.
effective yield post tax =4.512% this is enough in that case if someone has done fd of INR 100 crores 50 crores,500 crores, and more. because absolute income after tax will be so high no effect will be shown on that amount even if the effective yield post-tax =4.512% this on the other side it will decrease the value of your amount if you have done fd in the bank
Interest rate of FD should be 9 to 10%...Otherwise conditions will not improve...I have invested in mutual funds and not in FD...Because inflation is eating every thing
Tb loan v 18℅ ho jayega
Ghanta 18 percent . Max 11 to 12 percent.
@@shrikantmaski817 tumhare loan rate ke chakkar me deposit karne waale suffer karein ??
Brother sorry to say but your economics is very poor , do you know about cost of fund if Bank start giving 9-10% on fDs then it's will charge 14-15% charge on loans .
There are already small finance banks that are giving around 9 percent fd rate .
So I beleive even these large banks can easily give upto 9 percent to 10 percent in fd rates at least , while at max making home loan rates and car / vehicle rates as upto 11 to 12 percent .
Similarly other loan rates may go up correspondingly coming to 13 to 14 percent . However these will be mainly in unsecured loan category .
Real retail inflation rate is 7 - 8%.
School fees, medical expenses, insurance premiums are growing @ 10% inflation.
भारत में बहूत बड़ी मंदी आ रही है लोग अपनी सब पूंजी निकाल कर शेयर मार्केट में डाल रहे हैं और इसके चलते बैंको मे लक्विदि कम हो जायेगी और बैंक कॉलेसप् होना शुरू हो जायेंगे और कुछ बैंक दिवालिया भी हो सकते है
Sarkari bank aam janta ko asaani se loan deti hi nahi hai. Agar asaani se loan milta to desh me rojgaar ki samasya nahi hoti. Log apna business khol sakte the. Lekin aaj desh me business kam aur job karne wale jyada hai. Ye sabse badi samasya hai
come my home i will teach u finance and economics ???????
सरकारी बैंक हिंदुओं की तरक्की देख नही सकता इसलिए हिंदुओं को लोन नही देता है
@@arkadipganguly4271 will u give me business loan without interest? Why i learn business and economics by u. And why i will come to ur home? Kya baki sari bank mar gai hai. Ya tum koi ambani ho.
बँक अकाउंटमे जादा कॅश डिपॉझिटपे इन्कम टॅक्स का नोटिस आता है, वो बंद करो.
Paise hai hi nhi kya deposit kare
Circulate jyada ho raha hai paisa market mein, dusri baat ye ki agar log bank mein deposit nh karva rahe to online transfer aasman se ho raha hai kya? 50% ae jyada aabadi ne loan le rakha hai , uski kisht to bank se hi jaati hai
Bank me jaate hi insurance pitch ho jaata hai, upar se bahut pressure hai bank employees ko. Public bank me jana nahi chahti ab..
GOI remove TDS on FD..only solution and stop small investment under tax radar , Big investor get all relief...our FM are servant of big Corporate 😂😂😂😂
Saara paisa to businessmen k paas hai black money k rup me or wo use bank me thodi na jama karwayga ,
2nd common man k saath cyber froud bhi bht ho raha hai unka paisa bank me safe nhi hai or cyber security waale kuch karte nhi chahe kisi k 10L he kyu na loot k le jaye bank se
Bht saate issues hai
सरकारी बैंक हिंदुओं की तरक्की देख नही सकता इसलिए हिंदुओं को लोन नही देता है
I wish the more grave the situation should be their with the deposit so that the RBI and the Finance Minister should understand the importance of deposit made by the comman man is as important and the staff of the banks will also know the importance of the customer .
Iska main reason h ki inflation bht jayada h.. Itna mahngai h ki kisi ke paise hi nhi bachte... To deposit kaise krenge... Or yadi bank roi increase kregi to loan pe v increase hobjayegi.. Jo loan av 8℅ pr h... Wo 18℅ ho jayegi...
A BIG GAP INDEED. BANKS ARE LOOTING, GIVING 3% INTEREST ON DEPOSITS BUT CHARGE 12% INTEREST ON CREDITS. NOBODY IS THERE TO CHALLENGE THEM.
People are keeping money in Mutual Fund and stock market, not in bank
We are not able to beat inflation if depends only on banks, Just go for MF, It's rocking.
Another reason is Bank staff behaviour to customer is rude and bad behaviour,bad attitude. So customer are not interested to deposit their money. specially Public sector bank in Rural area..they should respect customer
Rural area customers jyada tarah çhùtïyē hote he
Sir yesterday you said andhrapradesh police but big correction it's telengana police who encountered those people's
The credit rating pan India should be reset to 800 credit score for everyone
Useless bank of india
Sarkari bank karmchari achche se baat kar le wo bahut badi baat hai.
Nirmala sita raman is a failed finance minister
Bank pe payesa keu rakhe lok , usko upar bhi toh TDS kaat leta hae. TDS rate kaam hona chahiye. Aur jo bara bara loan keta hae o desh chorke chale jate hae
0:52. The cross over of curves (deposit and Credit) shows that people lost interest and trust in banks in keeping their money safe
बैंकों में डिपोजिट लगातार घटने का मुख्य कारण है कि फिक्स डिपॉजिट पर बहुत कम ब्याज देना है, बैंक एक साल में जितना ब्याज देता है, उससे ज्यादा तो महंगाई बढ़ रही है, इसलिए एफ डी की ब्याज दर बढना चाहिए
हर बैंक में एक शिकायत पेटी होती है इस देश की जनसंख्या 140 करोड़ से ऊपर है पर कोई समस्या होगी तो एक नाम या एक फोटो लगाकर उसे ही दोषी बनाएंगे वह देश का प्रधानमंत्री यह कभी नहीं किया कि जहां समस्या है उसके लिए शिकायत पत्र कभी लिखा हो एक जिम्मेदार अफसर और जिम्मेदार पद पर बैठा हुआ है व्यक्ति फीडबैक प्राप्त ही नहीं होगा तो इसमें वह क्या करेगा
सरकारी बैंक हिंदुओं की तरक्की देख नही सकता इसलिए हिंदुओं को लोन नही देता है. हिंदु राष्ट्र बन जाता तो हिंदुओं को फटाफट सस्ते मे लोन मिलता
सर लोन आम आदमी को नहीं मिलता है
Nowadays banks are not safe
Kuch gap nahi hai, hawaa banaa rahe hai market giraane. Unclaimed deposit reported as active fd and accounts. The amount equal to combine wealth of jeff bezo + elon musk + warren.
Logo ki earning kam ho raha hai
रिजर्व बैंक भारत सरकार का नही है भाई भारत सरकार का 1 रुपया और रिजर्व बैंक के 6000 हाजार रुपये बराबर है
Jobs aur growth hi ni hogi to savings kaha se hogi.private sector underpaid hai aur government ka to bura hal hai koi jobs ni nikalte ye
😂porn addiction ye problem hai Sab ki
Kaise
And your 1% Interest gain is TAX
It is because of unemployment and saving of people decline and less fd rates and inflation in product
The lowest per-employee customers in Public Sector Banks is 1348 in Canara Bank and the highest is 2500 in the Bank of Maharastra. The lowest customers per employee among Private Banks is 325 in the Axis Bank and the highest is 923 in the Federal Bank
Please ojha sir mat baniye. Bakaiti theek nahi hoti. Kuch bhi bolne se pahle padhe.
Are yeh nirmala Sitaram ka name mat lo yaar
Sabse bakwaas mantri
Paisa kha invest kare sir Ji ?
Ek video bana dijiye
Mostly peoples dont hav money...if somebody has why ll he deposit in banks...banks give 7 % interest...on 7 % interest u hav to pay tex...return mota mota 5 % miltha hai...kyun deposit karein bhai bank mein...better to buy gold...buy property...
Share market and index fund me laga raha people 😂😂bich me bank phas gaya
Bahut confuse kar diye sir , 😂😂
Bina fd je to 3,4 percent interest hai, terrible
Aur banks k trah trah k charges
Thanks to Modi Ji. New tax regime ne bank ke deposit ka bedagarak kar diya. Log phele tax saving ke liye PPF SSA, ya phir tax saving bonds bank mein invest karte the… Modi Chacha Ji ne kar diya kalyan desh ki economy ka
बैंक सभी ऑफिस किराएदार है एक इंच जमीन न नहीं है भाई
sirji u r saying govt bank not making profit .... u should update urself and see the profits earned by gov Bank in recent years.... cd ratio is higher for pvt banks. So don't demean govt banks.
Modi ko vote dega india, tabhi tu bathe ga india😂
Ek dailogue sunna tha electric & hardware ki dukaan mai to get discount "aahaa ooohh ooo bank pai paisa rakhna sai aachaa!".
500 k or 200 ki note bandh karo- 25000 se jyada cash nahi milana chai ek mahine me- or 100 k note 3 5. 6 ya 8 sal me badal deni chaia
simple sa solution he- sarkar ko karna nahi he
Bhai tu kya sub chiz uper uper se padta hai kya ? Koi bhi plan bina consequences Jane Bina kabi implement nahi karte. Aur bhai tujse aur muzse acche log Hai policy banane ke lie waha 😊
Bank loan deta hai vijay malya, nirav modi, lalit modi , adani
Age age dekho kya hota. Iss layee kaha. As all parties are playing cards on behalf of unusual using funds of nation for personal benefit wo bhee 5 ys ke layee. Uska baad harne par pension plus govt benefit lo or run towards foreign with funds. Every party having same wish not to serve nation. Best exp recently bjp inaugurate ups while he feel to defeat otherwise it is pending from 2004. As per RBI declaration on releasing such created or hitted govt budget adversely. Now where is RBI. Instructions. No need to worry for personal benefit to continuity of pm. Such diseases having every party. So in future it is very difficult to save it from ruin as pak. .no one in India who can serve nation without any remuneration. If yes. Groups of such never allowed to admitt in sansad that's why with this fear public is migrating. Sorry if feel some bad but real
Logo k pass paise hona v to chyea ...log jitna kamma rahe hai us se jyada kharch h
the day people understood how our financial system works revolution will take place before the next sunrise
- Ford
Situation will be more worse when market will fall and people will come on road its very serious
hamare ilake me sab 3 5 carod cash leke ghum rahe he- koi bank me rupiya nahi dalta or koi income tax nahi bharta- to fir kahase bank me rupiya aayega- sab rupiya black money ne aa gaya he- sarkar 500 k or 200 k note bandh nahi karegi tab tak kus bhi karle sarkar
kus farak nahi padne vala
Worst Policy Indian Government
Lecture quality is getting deteriorated.
😂please work on it.
Bank ko apna intrest rate increase karna chiye
Sab galat pada raha ha ye banda.
Issue ye he ki govt Bank loan jyada de rahe ha as compared to deposit jo unke pass aa rahe ha.
Suppose Bank ke pass 100 rupees ha to 24.75 rs to slr and crr me maintain karne padega due to rbi guidelines bache 75.25 rs usme se 70 to loan me diye huye ha. Baki Bank ko cash bhi rakha hota ha customer withdrawal ke liye.
Bank ko apka koi friend ya relative ho usse baat karna govt banks aaj kisi bhi genuine loan ke liye mana nhi kar rahi unke bhi target ha.
Kisi ke relative ko loan nahi mila to multiple reasons ho sakte ha, pata to kar lete phele.
Kon deposit krega.. Apne paisa dekr.. Hmesa bank ka chaakar kato.. Link fail ya lunch time ke name pr
Don't worry 2047 mein vikasith bharat ho jo tha
Gst 😂 Is responsible for this
Khud ke paise nikalne ke liye 1 week se chalkar laga Raha hun
With due respect sir sarkari banks loss me hain is a wrong fact... Please revisit the facts aap kai saal purani baat keh rahe hain
Hmmm
Roll no 1 present sir 😊
Samajh nhi aaya
😮
On a year-on-year basis, private banks’ profit jumped by 41 percent while public sector banks’ net profit rose 35 percent, data showed.
Please correct yourself sir. It is not acceptable from your side.
🤔🧐🤔
Bank mein paise rakhna matlab...dhire dhire paisa budha hota jata hai....
Tax, inflation se kya bachta he common men ko, jo saving hoga or deposit hoga.
भारत ही डुबा रहीं है सरकार
Female bankers bohot misbehave karti hai.... Customers ko arrogance dikhati hai....
लोन सिर्फ अदानी और अंबानी को मिलेगा आम पब्लिक म चूड़ाये