How to get upto 9.5% returns on FD?
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- Опубліковано 12 лип 2024
- If you are still unsure about investing in Fixed Deposits (FDs), this video can help clear your doubts. It covers all the essential information you need to know about FDs and why they are often overlooked in favour of other investment options.
In this video, you'll learn about the advantages of FDs, how to evaluate FDs, and the best times to invest in them.
Wint Wealth offers curated FDs through which you can compare and invest online without any paperwork. By using the Wint Wealth calculator, we will explore strategies for choosing the best FD and maximizing returns while minimizing risks.
Invest in FDs via Wint Wealth: fd.wintwealth.com/?affId=pranjal
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00:00 - Introduction to FD
02:03 - Why FDs are considered as Bad Instruments?
06:40 - How to pick the best FD?
12:25 - Where should you get FD from?
14:28 - How to minimize risk & get maximum returns?
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#fixeddeposit #paidpromotions
Disclaimer: No Ankur warikoo is harmed in this video😂😂
Nobody knows whether Ankur warikoo invested in FD😊.
Since there is no promotional benefit, he will not in favour of FD.
😂😂
😂
Ankur warikoo has dumb content. Nothing smart or new.
Nice 👍
You are simple and care about small investors( Sr. Citizens) that is why we like you. God bless you.
110%
Some important points please be aware
06:15 and 07:45 Banks have to show interest rate of quarterly compounding only with that they can also use annualized interest rate but they cant promote it with annualized rate. So 7.0% will always be less then 7.1%
10:15 Interest rate cant be different for different amount, It will be same for all except bulk deposits (example of 10 lakh shown in video is incorrect)
10:45 Its again RBI rule to allow premature withdrawal for all deposits under 1 crore. so don't spread wrong information that premature closure is not allowed its mandatorily allowed for all deposits up to 1 crore in all banks.
16:00 You said you can withdraw easily and quickly from that platform, but not mentioned the word same day ? why in your own banks we can get FD closed and get the funds in bank same day. even on holidays with internet banking.
❤❤
The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH.... Stock)
You bots have gotten too sophisticated these days. Such long comments thread, wow.
This is what i like about u sir. The true finfluencer in the town. Genuinely u talked sensibly and the bestest investment advice to all of us ❤
सर जी आपने FDs के बारे में बहोत अच्छी जानकारी दे दी है आपका बहोत बहोत धन्यवाद 🙏🏻
Aap ki advice pr muhjy bhut trust rhta hai
I am regular viewer of your videos. I am Mathematics Lecturer and i also inspire my friends too. Kindly prepare a health insurance video comparing basics.
Sir appka video dekh k mujhe bohut Sikh ne ko mila ❤
Responsible UA-camr ❤ , truly he is 😊
I am thinking of investing in FD from the last few days and this video is the honest one till now. Normal youtubers are saying FD gives very low return. But for people who can invest a small amount don't want any risk.
Pls do a video about tds and tax if we do FD. I am naive and very new in investing.
Dude your the one in this whole stuff , hats off to you .
Very good jankari namaste sir👏👏👏🙏🙏
Your body language is similar to the sidharth. (SID TALK).. GUDD BRO
Couple of points which came out post discussion with the customer care
They are upgrading the app, to digital open the ac need to wait for couple of days.
Most of the caveats are applicable till 31st March e.g. zero balance, waived charges.
Cannot transfer the branch from one city to other city.
It would be good to put in more relevant information.
You are amazing Sir. You are so honest. Love your videos. May God bless you.
Please make video on govt Bound called T Bill.
Finally a video after a long time
Bhai ka shadi tha na
Its better to have a video with some actual content in it instead of one which are released every day with shallow content. The ones which just feed the algorithm
@@jyotiranjansahoo2196 😯 😯
With All Due respect, Pranjal Sir missed out on Bulk FD and Non-Callable FDs where Banks give extra ROI to the HNI customers who have good wallet and doesn't want to invest in MF and Stock market!! 😎
HNI customers are not his target market
Retail investors are the targeted audience 😊
It's been a long time pranjal dada❤
Your name means Honest, you justify your name to the best.
Thanks for guiding us
Hi Pranjal, investment in US stocks through US S&P 500 (Ind money app) is better or through Indian AMC (Motilal Oswal etc....). Please guide. Thanks
FD is the best investment. I have tried every other and ultimately reinvested in FD in public sector banks.
Good lesson for us👍👍👍👍👍👍
Sir, i had a doubt. I have an auto renewal FD quarterly. I wanted to ask which ROI will it take at the renewal time? Current or the one when I started?
Welcome back sir
Thanks Pranjal
Your videos are fabulous
You are my favourite pranjal ji. I am from Bishnupur, bankura in west bengal. Only for you I trust like all your recomended investment platfrom. Thank you
Valo laglo apnar comment ta pore
Hello Pranjal jee, how can Direct Stock Investors receive Compound Interest? Not through Mutual Fund but by directly buying shares. Even the dividends paid out are not always the same that can be reinvested and are often quite low... Another thing, for example, an investor who bought shares of a company like Coal India on 30th March 2011 at 407.35/- is definitely not enjoying any compounding at all even after 13 years as the share price went down and now up again around 402.55/- .... If possible, please make a video on this...
Bahut dino bad app ko delh kar acha laga
Hi pankaj ji
Want to know about turm Insurence recently i pay for insurence but they chenge primum after medical they charge extra amount they you will be dibitic in future thats why my premium change .. I talk with my friends he said same did with him without dibitic they charge premium please make one video for this
Waiting for mutual fund series about money diversification...how much money need to invest on those mutual funds which you had uploaded on previous videos,u said like we will make one other video how to investing on those funds with how much money for each fund ....
Dear sir,
Thanks for everything.
Bcz of u only,I have started my investing ..
Sir ,i would like to raise one point about your finology app..whenever ,we see investors in your app(on mobile ),we face lot of problems to slide table to see their quarterly score ,the same issue with promoters section also..kindly update and try to fix asap...
Unity SFB was previously PMC bank.
Sir, I like your videos, please upload it regularly
Achi baat khi hai sir 🎉🎉
Genuine 🎉 information sir
You helped me to understand few basics thankyou. Just a suggestion if you could make videos on basics of finances like IT returns for non salaried people fir tax benefit ahead 50 to 60
Thanks
Great vid
What do you think on neo banks?. will those be safe for FD?
Thank you sir
Pranjal bhaiya thank you
sukanya vs sip for government employees..wich is better option.
About mobikwik please explain whether to invest
Shadi karte hi sir ki first video on FD 😉❤
😂😂 priorities bro
And sadly FD from a entity with limited backing!
Great
Q ) Pranjal sir financial content creation kuch bhi bolte hai
A ) Ankur wariko mujhe kyu toda 😂😂😂
Nice👍👍
Thank u sir 🎉❤
Hi sir, can you make a video on how to claim that insurance which is of 5lac? What is the process to be followed just in case.
Thanku sir🙏🙏
If you are considering Unity Small finance bank FD , you should know that though FD can be opened online , but in case you wish to break it as on date, the amount will be transferred to a Unity Small Finance Bank saving account which will be compulsorily opened when you book a FD with this bank . This bank doesn't have mobile/net banking/UPI or even debit card facility as on date....this is my understanding from reading tnc on wint wealth and website of the bank. Please correct me if I am wrong.
This is correct, but you can get in touch with Wint Wealth and get the money back to source account in 24-48 hours.
Thanks. But then how someone will withdraw their money online? Do they have to go to branch for that?
As of now. Yes we have to approach nearest branch
This idiot missed such a crucial piece of information.
My mistake too I blindly went for this combination after watching this video.
Pranjal the Fd rate of Utkarsh Bank on it’s official website is higher then what is shown on Wint. For eg 2 years to 3 years in Utkarsh is 8.5% and Wint does not have interest rate of 8.5% it shows 8% or 8.25%. If they are not showing correct data then how can we trust such sites for investment.
Hi Pranay, thanks for bringing this to our notice. The details have been updated on the calculator. We regret any inconvenience caused and will strive to do better.
Thanku sir
Sir. Please clarify regarding the insurance. 5 L per individual or else 5 L per bank account. As you've suggested, investing in chunks of 5 L. Please clarify. Thank's
5 lakhs overall in 1 bank.
5 lakh per bank account
If I break fd then my money goes in small finence banks as mentioned on site though online fd booking then how can I get Beck that money,?
Please meke video on Retirement planning Best SWP mutual funds and other investment in post office
Hi Pranjal, can RBI bond be better option over FDs... Can you help us with a video on comparison 😊. Thank you.
Yeah traeasury bills
Is auto sweep facility good or bad in SBI savings plus account.... please explain sir
Good
Sir, kya hame avi REIT me invest krna chahiye? Keise REIT me invest kar sakte he aur konse REITS me invest kre....plz make a video on it...
My favorite finfluencer because of firstly I decided to do trading but after watching your videos I've becomed vice versa. Currently I just wanted to do fundamental analysis by just learning about it
Means? You don't trade after watching his videos? And what's "becomed"?
@@mangofruitiam i will become investor
what happens when the winwealth shuts down? Post which do the customers get back their money in the proper account?
aapka sahi hey bhai corses becho , karodo may kamao aur FD karo .
Welcome back 🔙 sir P&O per video banao please 🥺
Thank god aapka video aaya
How to get maximize return in stock market without too much risk taking.... Plzz make a video on it sir ❤❤❤❤
Index fund mei invest karo long term ke liye bus bina risk ke
Sir I want to start swing trading and positional trading
Plz make a video and clear that is it ok to do
And which one is best swing/positional/long term investing
Plz sir
Sir what is the right time to sell stock when you are in profit
Thanks for the info, however, i am very surprised that you didnt tip ppl about sweep-in facility here to enable them to maximize liquidity and avoid premature penalties!
Make a video on "How to Invest in bonds"
Is term insurance under Saral Jeevan Bima suitable?
Want a suggestion
If i have money so taking a loan against fd is good option or not for renovating my home
As for 1-2 % burning complete corpus of 20-25 lakhs is ok or playing with bank money is good idea
Taking into consideration money is in good bank saving account
Hlo sir ! .I wanted to request u to make a video on when to exit from market in detail ,this is the problem at the time of investing
Plz make video on Navi Health Insurance ..u recommended it
Long time guru ji ❤
Make a Video On RBI Bonds🙏
Sir pls make a series of financial knowledge for college students
Sir IDFC First bank ka Hdfc life sanchay Paar advantage ke baare me bataiye, please 🙏
Why only bank?? Kindly mention about Postoffice savings schemes too ....
I m beginner and 42 yrs old home maker but Pranjal aap ki why sy mainy investment shuru kiya
Milf! 😍
Badiyaaa admei hai. ...
yes bank kind of scenerio , poor lending nbfc, small bavk are generally at risk of liquidy..( silicon valley bank kind of scenerio), bad loans by bank management then..there is a big risk in FDs as well, problem is FD long duration mature period can cause trouble for people to operate account..how support will come.. nearby bank comes handy and people tend to give support ..wint wealth may become single point of failure or should open branches in evey nuck and corner
Tata is starting veterinary chain in India from next month which all stocks are going to effect by this ?
If I make FD in small finance bank and take monthly interest and invest that monthly amount in good sip mutual fund, will this be a good investment or I must go for long period FD and get maturity ? kindly suggest your view point.
You r a honest person 😊 hare krishna
Wint wealth app me unity bank pe bharosha kr sakte he kya sir???
Sir, FD m hm monthly basis par invest kar skte haii ya phir ek fixed amount par hii kar skte haii pls tell me know
How is SBM Bank is good or bad
Sir aap ki bat ko bahut manta hu
Hello sir i have watched your stock market season 1 series and season2 9 episodes is that suffient for me to enter the market ?please do reply sir i am a student
Is an FD from Small Finance Bank reliable? Although RBI insures 5lakh, but why should we take that risk, as it's really a tedious process to get the insured amount from RBI.
Include paid promotion option on nahi ki? You should do it according to the new guidelines
He should be reported
Sir waiting for 30 January eagerly... To see stock recommendations 😍😍🙏
me too waiting.. is this be on youtube
He will just recommend sector
He will never recommend stock
Please make a video on
"Tata capital" app.
Sir you are our future can you make video on stock market in one video new subscribe
How will I know the compounding frequency in case of fds if I invest in fds online?
Sir, savings account main auto sweep karna acha Hain kya?
Minimum limit for that is 50k and is not recommended for common people with normal salary. Rd fd is best secure option . Interest is low on auto sweep
Just one point to be noted: 5 lakh include both principal and the interest you will gain, so invest accordingly