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Banks See Worst Deposit Crunch in 20 Years | Economy | GS 3 | UPSC CSE | StudyIQ IAS | IPS | IFS
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In this video, we delve into the alarming deposit crunch that banks are experiencing, marking the worst in 20 years. Understand the underlying causes, implications for the economy, and potential solutions. This analysis is crucial for UPSC aspirants preparing for GS 3, offering insights into the banking sector's challenges and economic policies. Stay informed with StudyIQ IAS to enhance your preparation for IAS, IPS, and IFS exams.
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People learned to invest that’s all
Yes
That’s my first thought.
I was going to comment the same fact👍
Same in my family 😂😂😂😂
true....
Sbi - lunch k baad ana
Le Public - ab ham aayenge hi nhi..😂😂😅
All the banks must be closed
@@perseveregamer7806imagine reserve bank getting closed.
The whole indian monetary funds will collapse.
😂😂
@@perseveregamer7806phir ghanta bajana aur Mahajan se 50% pe loan lena..
@@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.
Unless you consider compounding on 8% pa
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
Good news saving intrest 3% , loan intrest 12% 😂😂😂😂😂 Thankyou for 1 million likes 👇🏿
Bro sbi 2.7%
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 !!!
150%right, banks need to think this.
3% only for short term , while loans are mostly long term . higher the risk , higher return . rule of basic finance.
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%😂😂
Bhai isse bhi jyada Paytm, Bajaj, Mahindra aur bhi kai Inka 20 % se jyada hai
Sahi baat isliye mai share market me invest kar deti hu ,bank me nahi chorti,Acha returns mil jata hai
Toh operating cost, staff cost have to be managed na, that's why
How bank will survive or give salary to their employees??
Murkh admi fd ka intrest rate 7.30% hai 😅
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❤.
लोगों के पास पैसा भी तो कम है। उसी से शिक्षा, स्वास्थ्य व दैनिक खर्च भी करना है।
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
Ka. Hai paisa tho bhi bank mei tho hona cahheye naa
@baat to sahi hai 😅😮😮worldnewsanalysis9613
👍👍👍
Not true
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
Sbi zero charges
@@sinister5347 sbi 0 charges and 0 service as well. Employees are not interested to work in bank and bank servers are fked up
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
Ha Bhai agent kuch samjate nay, bas jaldi se ye lo wo le pressurise
Charges are there even in mutual funds , stock markets , nothing comes free of cost
Din rat Mutual fund ka add dikha dikha kr sbne Sip and lunsump kr rkaha hai
😂😂😂
Exactly i always prefer mutual fund rather than FD. I liq all fd and put in MF
@@humbleindian6303bhai tu har jagah ek he comment kar raha hei😂
@@yourfavanime1446bot h china walo ka
Ha minimum 12 %return hai, vo bhi 2-4mahine me to why not stoks and MF
बैंक कर्मी का सक्ल देखकर वैसे भी दिमाग खराब होता है😂। निवेश करना अच्छा सोच है। 😊
😂👍
Are Aisa mat bol bhai....mere society me do ladkiya rehti hai bank me kaam karti hai kya masst hai badi pyari hai dono 😂😂❤❤
@@HillariousPanda16abhi t raste me achi lag rahi hai, kabhi Bank jake mil pta chal jayega...😁
@@RenuKumari-di9zl 🤣🤣😂😂
🤣🤣🤣🤣🐒
bank jao to ese treatment milta jese ehsaan krre yelog to ab badiya sabak sikhaya h public ne
Meri mummy to bank main isliye deposit nahi karti kyuki sbi vale paise nikalte time signature match nahi karte bahut pareshan karte hain😂😂😂
Bilkul hasi nhi ayi 🥲.
@@abhijitkalita6938us bhai us 😂
🎉❤
Mera khud kabhi signature match ni kia....
@@abhijitkalita6938Epic😂
One of the main reason is very low interest rates on FD.
Current 8-9% interest rate on FD. that's risk free investment
Which bank ??@@kaushalkumarsingh6063
Galti govt ki hai ki FD ke interest pe bhi Tax leti hai. FD interest should be tax free
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
@@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?
Remove tds on FDs. It can increase deposits.
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 .
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.
Areee.. tax toh bhool hi gaye 😂
Stock market ka chakkar babu bhaiya stock market ka chakkar 😂
STOCKS KA PAISE BHI TOH BANK ME AATA H
@@Not_hehe-dc3xubroker apps mai hi rehta hai😂 profit ka paisa log dobara laga dete hai. Zarurat ka paisa hi withdraw hota hai.
Babu*
@@TheGohan09👍
@@Not_hehe-dc3xugalat. Wo alg chij hai.
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
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 !!!
Bro
Bank loan dekar paisa kamati hai
Agar woh tumhae 15% interest deni lagi toh
Woh 22% minimum loan ka charge karenge
Woman Shahida kìll$ 6-year-old son in Palakkad, tells cops she sàcrîficed him for 'Allah'
Source- The News Minute.
Are saying SBI is loss making? SBI profit last year was 61k Cr Rs. And the deposit crunch started because of cross selling..
@@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.
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.
Govt: jeene nhi dunga
Aaj Bank me 1000rs deposit kro aur 1 saal bad check kro to 900 rs milte hai.
Milenga to 1060 rs but uski value 900rs hongi
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
sahi bola bhai
🎉🎉
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 ...
Low FD rate & low facilities, best option in MF, mutual fund sahi he 😂😂yar
ETF best
@@DoctorCouple. लक्ष्मी चीट फंड 💪😎
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
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.
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.
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..!
Top Notch Observation Bruh 👍📈
Tum save karlo phir 2.5 percent par 😂
Saving india me gold me hota he
@@rajatdogra96not against investing brother..but do you think businesses are coming that easy nowadays..?
Gold is also saving@@rajatdogra96
Because government deduct income tax on bank savings interest over 10k, now salary ones prefer not to deposit in banks because of this
As per sources ...now going to limit of interest limit 25k.. will be tax free
Invome from fd , from saving account should be tax free...otherwise its like ur burning ur money...its not beating inflation...@@KOMALKUMARI-rx2vr
Submit 15g at your branch.
What is that@@harishankarpatra3373
Per month per year ?
Before bank was enjoying as people was not aware abt investment, now people knows how to invest simple
@@manishasingh87 hmm indeed
Deposits are going to stock market which has very high inherent risk. Govt. has also support for stock market investment indirectly
People are doing 2 things
Invest or spend
No big deal
invest jada kra ha ya problem chlra ha
& buying everything on EMI
@@himanshumakwana3666 emi bhi paso sa he dee jati ha
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.
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....
everyone saying same story for last 4 years ,
Crash ❌ correction ✅
They should give atleast 8-9% per annum for saving account.
Profit kya कमाएगा bank 😗😆
Bank ko npa losses ko bhi cover karna hota he
@@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.
@@scenecorner9940so we will not deposit in banks , simple as that
@@scenecorner9940ye bhi meri galti h
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
Taxes are not high compared to history. Therefore tax is not the issue
Reason is interest rates and bubble in stock market
@@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? 🤣
@@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.
@@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.
what is the reason of saving when you saved deposit will have same value as you depositted after 4 years .
yes exactly @@VilhotkaflenStrasktestu
@@VilhotkaflenStrasktestuwhat happens stock market correct 15%??
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.
Govt be like: Tax badha dete hein, sab kuchh thik hojayega 😂😂
Isi govt ke to Kaarnaame hain sab
😂😂😂 chamcha @@Blitz-krieg39
@@Blitz-krieg39ye bichara Invest nahi karta😂 Garib!!!
@@punitprajapati4677🐷🐷😓😓😓
Bhai yeh hasne ki baat nahi hai, hum log tax toh de rahe hai per badle Mai hame kya mil raha hai
FD rates high krna hoga ....janta see luto kam income ka source doo...
Nobody who is educated keeps money in banks, amid this much inflation!!
Should not keep due to Inflation or not keeping that's why Inflation?
inflation toh 4.8% hi hai.
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
Inflation is within range buddy.
Yes all the banks should be closed by govt
FD rates wapas 12% kro warna bank bekar hai, normal index fund mei 15% aa jata hai.
All are shifted to other investment likes Gold, Mutual fund, Share market etc.😅
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.
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.
Sbi ke 400 days wali fd me 7.1% roi milta hai for general public and it's 7.6% for senior citizens
In PNB it's 7.25% for 400 days and 7.75 % for senior and 8.05 % for super senior citizen.
Must increase it to 10% for five years
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 😂😂
Paisa hoga tb to deposit krenge...!!
Means banks may default very fast if depositors ask for their money back.
no bank will start taking money from bond market
@@royalpankaj9769Bhai esa agar itna aasan hota toh 2008 mein USA financial crisis face nhi karta
no, RBI can prevent rapid mass withdraw like it has happened before in 2008 financial crisis.
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😂😂.
@@kiransankarpati U r right , But RBI needs to intermediate immediately by raising interest rates or more stringent lending policy
Very very good news. I am happy to know that Indian learn about inflation and interest rates of bank. Indian gain financial knowledge.
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.
Great analysis
Liquid funds best option hai against savings account balance and fd
Bank is run by public but not for the public. For corporate.
Public hai sab kuch samajh ti hai
Bank deti hai Deposit par 3%, loan interest leti hai 9-14% |😂
Deposits pe 3%. kaunsa bank deta hu itna kaam
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”
😢😢😢😢
Mai khud nhi jama karta paise ...
Hai hi nhi paise😢
Mera bhi😢
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.
What is RSU?
@@ankushdhawale4628 Restricted Stock Unit. It's kinda of ESOP, given to the employees of companies.
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..😢
Young generations have become smart🔥👍
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
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.
good to see people starting to realize money in the banks are not profitable..
This is because the interest rates are artificially kept lower. This inflates asset prices and people move away from Fixed Income towards speculative assets.
That's why government pushing new tax regime 😅
Log jamin kharid kar rakh rhe hai bhaiya 2-4 saal me double 😂😂 ,also invest in stock market
Increase saving interest
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.
Sir also you can summarize in every topic like these which is beneficial and why ...
in long run is it good or just short term hype..
And your thoughts also what would you do.
Log ab market me paisa daal rahein hain
Paisa hoga tab to deposit karenge.... This deposit crunch crisis is just one of many issues arising due to unemployment...
Lot's of Gratitude Sir❤
Please make next video on impact of increasing money in mutual fund
Airtel payment Bank give 7% interest if you deposit more than 1 lakh ..
1 lakh toh Freshers ki annual salary hai 🤣
Wasn't Airtel bank banned by rbi?
Itna 1 day mai nikal loge market se.
@@roninr8199 no only Paytm Payment banks banned
@@roninr8199Paytm bank namune
Log ke pas Paisa hi nahi h.. upar se tax hi tax !
Exactly
Tax tax tax
aur paisa hai toh sab Mutual Fund and Stock main laga rehe hai
@@akashtripathy1334 usmevi tax .. 🥲
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....
Interest rate should increase on deposit such as RD,FD and savings A/c
Sarkari employee kam interest pe loan lete hai or garibo ko 2 ke byaj pe dete hai 😮
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
Bhai kam se kam 12% karna chahiye 10 saal ke liye,
8.75% पर HL मिल जाता है, and saving पर 9% का intrest चाहिए
N sabse important us pr tax nhi lgna chahoye
FD per interest rate currently 6.5%- 8.25% h. Which is already high acc to them.
इंटरेस्ट बढाणा RBI के हाथ होता हैं? क्या
Option B . RBI
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
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
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.
One question: Money invested in stock market direct or mutual fund route . It lies in banking system after all. does not?
Until someone cash it out and put it at home ?
Sahi hein sahi hein sahi hein❤
Banks will have to start borrowing from private banks very soon..
?? Majority of the banks are PSUs now
@@monjyotiboro. very soon - interest rate on savings like western countries
Rbi paisa hi paisa 🎉
banks in future would be like BSNL is today!
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.
Maine bhi minimum amt rakha hai and baki ka Invest kar diya .
Firt post से इधर आ गये क्या 🤣
First post
Log pagal h.. bank is for emergency fund deposit/safe keeping money.. market is for long term goals
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.
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.
In my opinion Bank
Should reduce Internet on deposits and fixed deposit to 1 to 2 % and accordingly reduce the Internet charged on loan
3% में दस्त लग गए बैंको के सोचो 10% भारत की आबादी का स्टॉक में लाया दिया तो खेला हो जायेगा😅
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
Then it's good time to invest in mf through SIP, har deep cut pe purchase hoga 😂
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😅
Its better to have fd account than savings account if that money is not going to be used for next 2 years.
Inflation
Low savings
Plus bank are taxing on interest earned on savings account and FD.
Etc
Jo inflation me sath na de uha dalke kya hoga😂😂😂bail buddhi bankwalo😅
Bank deposit interest rates 3_5%
Inflation rate 7%
Bank loan starting from 16.99%
Bank earnings 50%+++
Why do the public choose deposit???
Govt charge charge heavy taxation on FD interests. Taxes on mutual fund earnings are lesser.
Àb bada diya nirmala neh
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......
Bank wale khud mutual fund me jama karne ki bolte hain 😂😂😂
Ha ye bhi hai
😁😂bhai upar se targets aate h hum kya kre
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 ?
Loan app मतलब
Inflation is more than interest of saving account
2.7 %
@@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🤣🤣
@@HarshKeshari-ul4ehcapital revolve karte raho.
बैंक में पैसे रखने की बजाय उसी बैंक का share खरीद लो😂😂
Thanks.