Loan Against Fixed Deposit (FD) - Hindi
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- Опубліковано 29 бер 2018
- Loan against FD (Fixed Deposit) explained in hindi. Should you break your FD or should you take loan against your Fixed Deposit? What are the interest rates? Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/
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Loan against FD is offered by Post Office and all banks - SBI, ICICI, PNB, HDFC, Kotak Bank, Axis Bank, BoB, Bank of India etc. Let's understand the complete process.
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इस वीडियो में एफडी (फिक्स्ड डिपॉज़िट) के आधार पर लोन को समझाया गया है। क्या आपको अपने एफडी को तोड़ना चाहिए या आपको अपने फिक्स्ड डिपॉजिट के आधार पर लोन लेना चाहिए? फिक्स्ड डिपॉजिट के आधार पर लोन के लिए ब्याज दरें क्या होती हैं? फिक्स्ड डिपॉजिट के आधार पर लोन डाकघर और सभी बैंकों - एसबीआई, आईसीआईसीआई, पीएनबी, एचडीएफसी, कोटक बैंक, एक्सिस बैंक, बीओबी, बैंक ऑफ इंडिया आदि द्वारा प्रदान किया जाता है। चलिए पूरी प्रक्रिया को समझते हैं।
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In this video, we have explained:
How to take loan against Fixed Deposit?
In which situation should you take loan against FD?
In which situation should you break FD instead of taking a loan?
What are the features of loan against FD?
How interest rates are charged on loan against FD?
What are the available repayment options for loan against fixed deposit?
What is the maximum loan tenure for taking loan against FD?
What is the difference between FD interest rates and loan against FD interest rates?
What are the advantages and disadvantages of loan against fixed deposit?
How to get the benefits of loan against FD?
Which is a better option - breaking FD or loan against FD?
How to do cost benefit analysis between breaking FD and loan against fixed deposit?
फिक्स्ड डिपॉज़िट के आधार पर लोन कैसे लें?
किस स्थिति में आपको एफडी के आधार पर लोन लेना चाहिए?
किसी स्थिति में आपको ऋण लेने के बजाय एफडी को तोड़ना चाहिए?
एफडी के आधार पर लोन लेने की विशेषताएं क्या हैं?
एफडी के आधार पर लोन लेने पर इंटरेस्ट रेट्स कैसे लगायी जाती हैं?
फिक्स्ड डिपॉज़िट के आधार पर लोन के लिए रीपेमेंट के क्या विकल्प उपलब्ध हैं?
एफडी के आधार पर लोन लेने के लिए अधिकतम ऋण अवधि कितनी दी जाती है?
एफडी ब्याज दरों और एफडी के आधार पर लोन की ब्याज दरों के बीच क्या अंतर होता है?
फिक्स्ड डिपॉज़िट के आधार पर लोन लेने के फायदे और नुकसान क्या हैं?
एफडी के आधार पर लोन से क्या लाभ होते हैं?
इन में से कौन सा एक बेहतर विकल्प है - एफडी केआधार पर लोन लेना या एफडी तोड़ना?
एफडी तोड़ने और फिक्स्ड डिपॉजिट के आधार पर लोन लेने के बीच कॉस्ट बेनिफिट एनालिसिस कैसे किया जाता है?
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Hope you liked this video in Hindi on “Loan Against Fixed Deposit (FD)”. - Навчання та стиль
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Loss in "Loan against FD" is Rs10,000/_ (Loan interest 50,000 - FD Interest 40,000) instead of Rs 50,000 (as per video) is very much less than loss in breaking FD Rs 38,000/-.
This is exactly what I want to know.
Right
Thanku sir for this good information 👍👍
Adarniya Bhai ,
Ye video ke liye bahot bahot Ashirwad .🙏
Thankyou!
The concept is very clear👍👍
Fantastic salute to u sir
Thank you sir for your valuable information....👍
Nice information thank you 👍🌹
Very well explained
Your explanation is in very simple language. Please to make youtube video about comparison of insurance plans. If possible upload video for finance and insurance literacy
We are majorly uploading the video related to Business, Finance & Money. You can go through the other available video Devwrat
Great video sir ❤ ❤ ❤
Sir, please make video on loan against FD in current situation. If maturity will come in 2 or 3 months, which is more better?
Its very helpful
Nice explained sir
Please make a detailed video on loan against FD for buying a house
1% का नुकसान उठा कर एफ डी तोड़ना हर तरह से एफ डी रेहन रख कर्ज लेने से बेहतर है। हमे कई एफ डी अलग-अलग अमाउंट की लेनी चाहिए , और अपनी जरूरत वाले अमाउंट की एफ डी ब्रेक करवानी चाहिए।
This is a wtong advice. It is always better to take loan against fd....Because your net cost of funds is only 2%
Thank you for kind information
Hope it helps Binud :)
Well explained
This video is very helpful
Thank you 😊
Very well explained video !!!!!
Glad you liked it
Excellent sir ji,,
Hope it helps. Ajay
Very very very nice sir
Please make videos on franchising. And other business related videos. Your channel is amazing
Sure. Noting the request.
Awesome sir 👌🏻👍🏻
Thank you 😊
Mukul Ji, I have been watching and following you since long, Almost seen your all videos and content, That are very very helpful, Crystal Clear, Crispy and focused, I really really appreciate that.
So nice of you
Thanks
thanks bro
Sir which will be better loan or Overdraft on my FD if I want to purchase bike. Also should I go for emi option or lumpsum full payment for bike purchase? Please guide.
Sahi bat hai sir
Very well explained 😀😀
Thanks Akshay :)
Great video great information thanks sar
Keep learning :)
Very good video g Thanks for Knowledgeable video g
Welcome Naresh :)
Love your content. Very explanatory. Please make videos for small business esses, startups etc
Yes Chirag. Will definitely cover topics related to startups and small businesses as well once basics of Finance are covered. Stay tuned.
Hi sir best explanation ,
Thanks
Thanks a lot sir for your kind valuable information
Very good
Sir Whether it is beneficial to do part payment of home loan by using the FD loan amount .....
Nice videooo sirrr
Nice described 🙏🙏🙏
Thanks a lot
Thanks sir
Hope it helps 😊
Nice video sir👌👌👌
Thank you 😊
Excellent analysis like your other videos.
Glad you like them!
Totally wrong information he has not calculated interest given by bank on FD❤
sir 1question pls. reply. overdraft facility me = *interest paid regularly* ka kya matlab hua ? daily interest jama karna hoga?
Thanks bhi
Hope this is useful
Thank You Sir...
Most welcome
Awesome video.. sir plz make proper video only on savings and current account
Nice
thank u for the info
Most welcome
Whether we allow overdraft against individual deposit to hufac kartha of individual deposit
Most bank charges 1% more than your fd interest rates.
Ekdum right bro
You have not taken bank interest accumulated during the loan period. Misleading information. Kindly revisit your calculations and interpretation.
Can I use more than 90% from over draft loan account?plz reply hdfc bank
i need general insurance video with full details.
If I have taken loan against FD of amount 2L and I paid 2 L in 3-4 month. in that case how much interest amount I have to pay to bank.
Central bank fd hone par 6.60% per annum ka ratehai aur loan agai st fd sirf 1% extra charge karta hai bank i think loan against fd is great
Fd pe loan interst agar 50000 @10% hai to fd pe 40000 interest @8% v to mil raha hai 1 saal me to overall mujhe 10000 hi pay karna pada na..so loan against fd is beneficial
Sahi baat aur sirf fd ke interest ke upar interest dena padta h nahi ki principle amount par.
Nice video sir. Pls tell me one lakh ke fd pe 90 milta hai but 90ka Hume kya emi bharna padta hai monthly ya yearly.
Bhai wo Loan against FD pe 2% apni pocket se pay kr ra hai. 8 % interest to bank usko pay karega hi uski FD pe interest milna thodi band hoga bewkoof
Correct total interest 2℅ hoga means 10000 dena hoga bank ko
It z opportunity cost vs cost of borrowing (penalty considered)..verify it again
correct bhai, overdraft against fd is best
aur sbi me to sirf 1% hi extra lagega
इतनी अच्छी जानकारी के लिए सर आपको धन्यवाद
सर एमोडी और ऑटो स्वीप फैसिलिटी में क्या अंतर है? कृपया इसकी जानकारी के लिए यदि कोई आपने वीडियो बनाई है तो उसका लिंक हमे देने की कृपा करें।
धन्यवाद् 😊
मैंने अभी MOD (Multi Option Deposit) पर वीडियो नहीं बनाया है लेकिन अगर आप चाहें तो आप मेरा Auto Sweep Facility Account & Flexi Fixed Deposit (FFD) वीडियो देख सकते हैं जिसमे आपको ऑटो स्वीप फैसिलिटी अकाउंट और फ्लेक्सी फिक्स्ड डिपाजिट के बारे में जानकारी मिल जाएगी।
Auto Sweep Facility Account & Flexi Fixed Deposit (FFD): ua-cam.com/video/HcxXwquhPUM/v-deo.html
thanks sir
वाह ......
Hope this is useful!
5 लाख loan का 50000 भरेंगे लेकिन 10 लाख का intrest 80000 ही मिलेगा
Sir home loan me jo beech me APN el lumsum amount Jese ek lakh JMA karte h to my calculations hoga please bataye only reduced rate me (sarkar bank ke anusar)
Sir Kya m ye loan nzl fts ke lye apply KR skta hu plz reply
Tax saver FD maturity se phle close karsakte hai ya nhi by axis Bank mein ek video bnayega please sir
Fd ke against od leke mutual fund me sip karna is good or not. Kindly suggest
Nice info
Thank you 😊 Ashok
Why the interest on fd is not considered in the calculation??
Hello sir agar mene hdfc ya lic se plot home loan liya hai to kya wo property genuine hai ya nai ?
good
Sr mujhe ye janana hai ki LIC ke kya rules hai .. or loan maturity amount k hisab se milta hai ya jitna jamaa kiya hai uske hisab se
Galat samzata hai - why? To deposit FD at one time 10 lakh - make FD for 5×2 = 10 lakh - loan against FD the best 👍💯 - some bank takes 1% more interest in co- op bank gives loan FD rate + 1% extra - you can pay loan anytime at any amount - my experience is saying that FD against loan is best choice but ask bank that bank is charging 1% more
Can u inform us in Fd we get interest ex 7% and for loan paying extra 2% for 1 lac eg
Lekin sir agar FD mature ho jae to kya use age renew karke loan Lena accha hai ya FD ka use kare.
Very effective and useful
Thanks Abhishek
Can we approach to branch for repayment...?
best
Loan against fd will improve civil score?
Do we need to pay intrest like 10percent monthly
Good emc
Thank you 😊
Nice video sir
Thanks
Sir 1300000 lac ki fd hai 1 year ki hm ne us me se overdraft 950000 liya jis me se 600000 ham use kr liya hai hm fd stop krna chahta kiya je sahi hoga
16 november ko open kiya tha fd
i have a question.
if i have 2.5 crore loan in SBI for 10 years and if i take 50lac loan against this FD ( instead of house loan), i will have effective net interest rate of 1% ( bank will pay 6.2% interest rate against FD and i will pay 7.2% interest to the bank for the 50 lac loan against FD). SO in that way i will get very very cheap loan and i can construct G+7 floors over a period of 5 years ( per floor 4000sq fr * 7 = 28000 sq ft.). please suggest me the best possible suggestions
Does loan against fd reflects in CIBIL as secured loan?
Sir penalty on pre mature is on the amount of interest not on the principal amount . Please rectify this as you have consider penalty on principal amount ( 10 lakh )
But interest to principal pr calculate hota na.....to kitna Kam interest hoga....wahi penalty hai....
FDR due on second Saturday bank will adjust the loan on Monday is bank charged interest on loan account up to Monday or up to due date of fdr
Fd break karne pe to 1% b benefit nahi hai chahe loan amount bada ya chota hi kyu na ho. 38000 ka direct loss plus jo interest mil raha tha wo b jayega.. means year plan me 80000 ka loss plus fd breakup..so totally no benefit in all that breaking fd. As simple as that.
Hii,Mukul sir,it's video is very informative,Thanks for this video..
NO .. recheck the calculation at the end.
How to repayment of overdraft?
Could you please answer, I have seen a lot of people bring up why u haven’t considered interest payment against FD in your loss statement. It should effectively be 10k.
MIS ( monthly income scheme) ke against loan milti hai? Agar milegi Kitne saal ke baad milegi?
👍
super
Thank you Shailendra 😊
Credit card on fd base. Is this best or not
Sr please reply .. beacause its very urjnt fr me
iska video new term and conditions pe bana iye
Can i take overdraft on a fixed deposit I have made for 7 days tenure, or 15 fd days tenure
Sir what is credit approval memo
aap ke video bahot helpfull rahate hai. bus aap 1 acche quality ka mic
kharidiye taki aapka voice smooth lage. abhi jo aap mic use kar rahe hai vo smooth nahi lagta.
I have already changed my Mic. Using a Samson mic which has a very good rating. Will see if there is any other problem. Thanks for the feedback Akshay.
Asset Yogi .. use boya mic. every youtuber use this boya 2 hazar ke aaspas hai
Yes Akshay, I have Boya as well. Will see what combination works best.
Asset Yogi ok
Can I gain profit from FD against OD?