FD बंद करवाये या Loan लें | Is It Better To Break FD or Take Loan Against Fixed Deposit?
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FD बंद करवाये या Loan लें | Is It Better To Break FD or Take Loan Against FD?
What is better between 'loan against fixed deposit vs withdrawal of fixed deposit'?
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Timestamp
00:01 Introduction
01:44 Rules for loan against fixed deposit
04:06 Benefits of loan against fd
08:20 Rules for fd premature closure
11:00 Example 1
13:42 Example 2
14:57 Example 3
16:12 Conclusion without calculation
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हमारी पोस्ट ऑफिस में 5लाख की एफडी 5 साल के लिए करवाई थी अब तीन साल हो गए हैं और तीन साल सालाना ब्याज ले चुके हैं इसे तुड़वाने पर कितना रूपए मिलेगा?
Actual video starts at 11:00
Ok
Thanks 🙏
Thank you
Thank you
Actual video starts from 19:37
Invest lumpsum on fd and take interest payout every month and then invest the interest in mutual funds sip and then take loan against fd at low interest rate and then invest the loan amount in mutual funds lumpsum ...you will get atleast 3-4 % interst more ...
When your intention is to invest in mutual fund then directly invest that whole amount in MF. Doing this FD and loan thing you are going to loose 1% actually from the mutual fund return.
Ye ek aacha option hai... Maine 5L Ki fd ki h 3400 monthly milta hai jo MF me jata hai.. FD pe loan liye hai 4L aur use market me baat k 16000 per month uthata hu...
It's a loss to invest in mutual fund directly instead of FD and OD. Investing in FD and then taking per month interest and then taking 90 percent overdraft on FD and then investing in mutual fund and then keep paying for OD is the better option where we get both shirt term and long term investments and emergency fund investment also. If we break FD also they charge 0.5 and 1percrnt interest so it's better not to break FD and instead take OD and then invest in mutual fund as the rate of interest we pay for loan is only for the amount that we take loan and the duration. Also as and when we keep paying back OD amount loan amount will also reduce and interest as well and their is no emi for this as well. So all 3 problems like emergency fund, long term investment and safe investment and risk investment all problems will be resolved in 1 single click @@BankingBaba
If Loan Taken then Interest payout nahi dega Bank
भगवान करे किसी को ऋण न लेना पड़े
Bina rin koi aage ni badh sakta
SBI has MOD FD where you can withdraw partial amount no need to close full FD
Yes
Every bank has this feature 🤡
Bahut hi important jaankari bahut hi acche aapne samjhaya thankyou
Sir excellent advice in very simple language, thanks you sir.
Also sir u don't know many things. U have told that we need to break FD after FD matured and if we still have loan. It's not like that. We can extend FD and OD the same way like before for that day rate of interest even if FD matures. So no need to worry. Just that iwe need to repay back the loan amount to save our FD
Agar mein 2 lakh rupaye jama kiya hun deposit mein Aaj se 2 sal pahle mujhe aaj ki date mein dedh lakh ka loan lena hai
2.50 lak ka fd hai or mujhe 30000 ka amount loan chaiye
My question is will interest be recurring on FD while we take loan against FD or does it stop ?
Mera FD Interest 5:10 % Hai
Usi Par loan liya 6:10 % per
usi Loan ka 7:10 % Naya FD long 10 sal ka FD bana diya:
7.1 aapko mil rha, aap 6.1 loan pe interest pay kr rhe.
Iss se better Purana Fd band krwa ke direct 7.1 wala me Jama krwa do
Kya any se cadh loan ko niptana ke liye de sakte hai
Sir mere nam per claim me mile amount ki fd ki gai he claim ki fd per loan mil sakta he kya
No.1 Banking channel♥️
Sbi se maine close krwaya tha fd.... Bank ke manager se puchh kr mis guidelines btaya aur mujhe penalty ke rup me 110000(one lakh 10hazar nukasn hua maturity hone me 5months bcha tha
Tb se bank wale se vishas uth gya kamine log apna target pura karne ko kuchh bhi bta dete hai😡
Sir agar hamne od le rakha h lekin pay nhi kar pa rahe to FD break kar sakte h kya FD
over draft loan fd ke opar lekar emi me pay kar sakte he ya nahi
Why shouldn't I do a FD of a smaller amount. There will be less loss for us. If we break the FD as well, then the penalty will be less
There was no loss as I know cause we got penalty on interest which we got on deposited amount so if I have 100k I will go for 50k +50k fd cause it's more flexible for break if I require less amount
Bahut badhiya samjhaya hai sir apne.thanks a lot
Hello Sir,
If I take loan against FD as a mortgage than can I offset mortgage payments against income from FD interest and pay tax only on balance amount?
For example if I deposit Rs 2 Cr in FD and take loan of 1 Cr than how do I calculate income tax?
I liked it because the information was to the point, and perfect.
Sir agr meri fd 5lac ki h 5% interest k sath,matlab mujhe 5lac 25 thousand milega,aur wo mature hogyi bt meine use nhi ki aur dobara re-issue hogyi wo is beech meine uspr od lia to wo od mere actual amount 5 lac pr hoga ya 5lac 25 thousand pr aur jb mein usko wapas bhar dungi to meri fd pr dobara maturation pr interest degi bank ya nhi
Plz reply
My FD 1 year 285000 internet rate 6.85
This loan will help in increasing my cibil score???
PMEGP loan ke liye fd di thi prr ab muze fd ki jagah mortgage deke fd Todna hai
Very nicely explained with examples. Thanks
ATTENTION: आपने दी हुई जानकारी आधी अधूरी है ।
क्योकि आपका बैंक एफडी प्रीमेच्योर विड्रॉल पेनल्टी कैल्कुलेशन गलत है।पेनल्टी जितने समय तक एफडी की है उसके ब्याज पर नहीं लगती है बल्कि जितना समय पूरा हुआ है एफडी करते उतने समय के लिए जो ब्याज था उसमे से पेनल्टी इंटरेस्ट माइनस करते है।
उदा: केस प्रीमेच्योर विड्रॉल 6 महीने में
एफडी ब्याज 8 % 12 महीने
पेनल्टी 1 %
एफडी ब्याज 6% 6 महीने के लिए
इस प्रकार 6 महीने में FD तोड़ते हैं तो 8% -1 % पेनल्टी = 7% ❌
6% -1 % पेनल्टी = 5 %✅
@@NPS2301 I think you need to watch the video again as this point is clearly explained in the video. Watch carefully before finding out mistakes
It's same as OD right?
Aaj se 4,5 saal pehle fd interest rate 6 k aaspas tha aaj 7.5 h
bhai mene fd overdraft pe loan liya ab questions yeh ki jab ma bank je ke saving account kr copy pe statment print karvau ga toh balance negative jayega ya saving account ka balance show hoga plz reply karna sir
Suppose mein FD k against leta hu toh kya os FD ka interest waise hi aata rahega?
yes
If I need to make a payment for purchase of plot costing 30 lac and I have FD of Rs.30 lac, shall I break the FD or go for loan as OD, Which will be beneficial, pl reply...
It’s based on maturity time and for how much time u need the loan…..
Agr overdraft facility le rakhi hai aur loan bhi use nhi kiya to kya fayda ya nuksan hoga?
Yes same pls reply
As we get 80% to 90% loan amount on fd. So we get interest on 90% amount or 100% value of fd
Should i open new fd and take loan to purchase land for investment? Or buy land on cash?
Note:-Don’t have an old fd nor land.
Sir 1 month pehle hi FD ki h maine 2lakh ki sbi se ... ab mujhe 1.50 lakh ki jrurt h to kya kru fd closw ya loan le lun .. 6.50 % intrest rate h plz suggest
loan lelo
Penalty 1% Deposit amount pr kyu lgayi jab ke 1% interest par lagta hai
13:20
सेविंग एकाउंट खोले बिना एफ डी खोल सकते हैं क्या?
Yes kar sakte
Bhai old regime select ki salary 691580+137735intrest..tax btao??bhaiya
Sir i have a doubt please solve
That is it profitable as
If i take PL of rs 15 lacs @ 10.95% on reducing valve, now put same amount in fd @ 7% in bank , is this good??
Definitely pese ki value to km hogi apko kamana hoga
No bhai aisa ni karte. Loss hoga
Sir claim me mile amount ki fd he us per loan mil sakta he kya
Monthy fd pre mature par ek video banaye.......
1-7-24 se fd pur oda ke niyam batayenge SIRJI.
Sir Maine 20 hazar ka fd sbi me kiya hai muje 18000 ka loan chahiye 1 sal k liye to fd band karva du ya loan lu konsa sahi rahega pls
Band krwao
If could not repayment od toh kya hoga
Its secured on Fd, aapka FD amount se bank recover kr lega
Nice explanation, thank you so much for your time and effort.
Cibil score jaldi update hota hai kya fd me od lene se?
I have never taken credit.
Cibil score not even generated
Can I get interest on my existing FD if I take loan (OD) against FD?
Yes u will get it….
Yes
Great video great information thanks very helpful video thanks
Actual video 19:38
Loan lene ke liye aur mujhe long time ke chahie ek sal ke liye
Ye hamare cibil score par effect karega?
Thank you for great information sir ✅✅
Excellent and simple explanation ...
sir mera loan amout 10.7% hai aur od loan ka intrest 6.7 hai, toh od de loan payment karna thik rahega pl reply❤❤❤
Fd ke against agar me loan ekta hu toh Fd se mukhe jo monthly interest milta tha loan lene ke badd keya uoh interest mukhe monthly jesa mukta tha usa milega ?
Can you tell me ( buy flat on taking loan on FD for 10 is good or bad
For 10 years
Not a good idea. Direct home loan lo, isme ITR m exemption milegi. FD loan p exemption ni milega. Ha aap home loan bhi le sakte ho against FD.
Sir agar main fd par monthly interest leta hoon to fd par loan mil sakta hai?
Haa milata hain Maine liya hain SBI se
Sar fd sa lone the mara papa ka par o date kar gai to ky kara sar
F d Lon per Puri list JAMA Karni padti h ya. Lon k interest
Jitna loan lia full amount with interest
sir agar ek bank mese 3 lakhs ki od le 7% per or usi paise ko kisi or bank me fd karle 8% per to 3 lakhs bhi aa jayenge or 1% interest bhi milega
Very nice explanation
Iifl gold lone interested rate sab se jada hai
Math is wrong. You are assuming that all money will be paid at once for loan.
Interest amount will be lower because of reducing balance as we pay emi.
But in FD, the interest paid to us is on the full 100% amount
In overdraft facility, Interest is calculated on the balance which is used by customer. And you have to pay the amount as per your convenience. No option for EMI is available,
As informed it will be beneficial to take loan in case of amount required is very less compared to FD amount
My fd amout is 7lac at 6 % intrest 4 months back and i took loan of 5 lac in 1 % intrest now i am think to close the fd and make the adjustments as intrest rate has increased now, so how much will bank charge me and what will be amount i will be getting back
1% kahan milta hai😂
means Fd rate + 1%
Nice video sir 👍
How many days to loan against fd
Samjho ki mein ne only NEFT, UPI, online se 1 year mein bank savings account mein 10 lakh+ current mein 50 lakh + deposit kar deta hu online ke maddham se
Aur real cash se mujhe koi lena dena nehi hai only online se mereko paise milte hai real cash bank me jake kavibhi deposit nahi karunga only online deposit hoga toh fer Bank walo ne income tax ko information dega yeha fer nehi?
Aur kya kya dikkat a sakta hai ?? 😟😟
Please sir reply dedo
Sir hum aapse baat karna chahte hai
Hi sir ..agr fd pe jo loan lia h uski maturity poori hone wali ho.or hmare pas chukane k lie money nhi ho to kya fd nhi toot skti
Maturity amount adjust ho jaiga, bank jaake inform kr dena Maturity pe
Sar 12 lak fd 10 lak lon laya 7 lak daday 4year vich ab fd close karbani aaa tusi better aag
Thanks bro bhot aasan tarika tha❤
Salute you bro
Very well explained ✌️👌
Bhai mujhe plot lena hai 15 lakh ka investment purpose meri 15 Lakh ki Fd Hai Uske against lun ya Doosra loan lun pls reply
Ydi 500000ki पांच fd karvao aur loan ek ya do fd jama karvao aur unke agaist fd lo
सर, आज हि मैने आपका विडीयो देखा। सर मैने TMB बैंक (Tamilnad Mercantile बैंक मे मैरा खाता हैं,) ओर जनवरी 2024 में मैने सात लाख की FD कि थी, मगर दुसरे ही महीने में पैसों की जरुरत पड़ी तो मैने लोन लेलि। मगर अभी भी हालात ठिक नही हैं, आप कृप्या मुझे समजाए FD बंद करवा दुं या चालु रखुं |
जल्द से जल्द बंद करवाए
You wont be able to break fd until you pay our loan back
मुझे किसान विकास पत्र पर लोन लेना है
Sir kisi ka ager 20 lakh fix fd hai to use 16 lakh loan chhiye .uspe aur uski maturty ko kuch 6 manhine bach jate hai to wo us bitch apni fd ko waps renew karke age abdha skta hai aur usi intrest se apna emi bhr skta hai kya sir please batao .
Iska matlab me khud ka paisa se he loan lunga
good explanation
Fd अगेन्स्ट loan pe कंपनी इंट्रेस्ट होता है kya
Jitna fd ka intrest hota hai per annum uss se 1% jayda lagega
9.3% pe home loan hai mera, abi meri 1 fd hai 1 lac ki, agr mai fd pe loan leta hu toh muje 8.1% pe padega. Then mai loan amt 90k se home loan pre payment kr dunga , is this beneficial?
No because still u have to pay your monthly emi plus interest against overdraft. This will increase your monthly payout in emis. If you are comfortable to pay this then go ahead
Is se better to fd break kro
Itna dheere dheere bol kar faltu ka time waste or ek hi cheez baar baar bol kar view time badha raha hai
Very good information👍
nice advice
Aapney iifl ka advertisement kar hi diya
Time bahutv waste kiya
Small video banao
So nice
Agar me aaj hi fd karu air aaj hi 90% loan le lu to kya fd ka pura interest milega k nahi batao sir
Full interest milega, kuki fd ka paisa fd me h,, apne loan bank se lia hai. Jiski security fd h, pr paisa fd ka nhi h.
Please help me 🙏🙏🙏🙏🙏
FD kya khud ke paise se karna hoga ya loan amount se hi FD kar dega bank
fd khud ki hoti hai dude... bank thodi fd krega... agr already fd chal rhi h apki tab h yeh video apke liye
Well explained
mere tou sar ghumne laga hai....
Debit captilization Kyu katta h
Nice information
Kya rd par loan milta hai?
Haa
Sir aap reply ni dere ho mere question ka
👍
Sir mere 50lakh ki fd hai 1yr k.
Mere ko 10lakh chaiye 8month k leye mere fd ka tym 6month ho gye hai Mai fd pr over draft lu ya nahi
50 hazar ke fd per 10 lakh loan kaisa milega 😂
Very nice