Ko-oparetiv Bankon Ki FD Par Oonche Rate Ke Saath Risk Bhi Jyaada

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Ko-oparetiv Bankon Ki FD Par Oonche Rate Ke Saath Risk Bhi Jyaada

kai chhote aur ko-oparetiv bank fiksd dipaujit (efadi) par sarkaari aur private bankon ke mukaabale 1.5-2 feesadi atirikt intarest ki peshakash kar rahe hain. Udaaharan ke liye, Punjab end Maharashtra ko-oparetiv bank 18 maheene ke dipaujit par 10.5 feesadi ka intarest ofar kar raha hai. Abhinav sahakaari bank 37 maheenon ke liye 10 feesadi intarest de raha hai. Nasik marcheints ko-oparetiv bank 15-18 maheenon ke liye 10 feesadi intarest aur myoonisipl ko-oparetiv bank 30 maheenon ke liye 10 feesadi intarest ki peshakash kar raha hai. SBI aur HDFC bank in fiksd dipaujits par adhiktam 9 feesadi ka intarest de rahe hain. Aamtaur par retired aur senior sitijans jyaada intarest haasil karne ke liye is tarah ke lokal bankon mein paisa rakhate hain. Haalaanki, eksaparts ka kehna hai ki in logon ko in bankon ke saath jude risk ko bhi dhyaan mein rakhana chaahiye. Etika velth management ke faaundar gajendr kothaari ki salaah hai ki inavestars ko aankh band kar atirikt return ke peechhe naheen bhaagna chaahiye kyonki pichhle kuchh varshon mein ko-oparetiv bankon ke divaaliya hone ke kai maamale saamane aae hain. Reserve bank of India (RBI) ke deta ke mutaabik, 2012-13 mein 13 ko-oparetiv bank divaaliya hue. Pichhle chaar maheenon mein is tarah ke 10 maamale hue hain, jinmein RBI ne kevaaisi naurms ke ullanghan ya pramotars ko leinding ko lekar ko-oparetiv bankon par penalty lagaai hai. International mani maitars ke dipti CEO udaya dhoot ne kaha, 'Is tarah ke bankon ke paas dipaujit rakhane mein risk jyaada hota hai. Listed sarkaari aur private sector ke bankon ke mukaabale ko-oparetiv bankon ke baare mein jyaada deta upalabdh naheen hota. ' risk par rahe dhyaan: Eksaparts ka kehna hai ki inavestars ko is tarah ke baikon ke paas apne kul fiksd dipaujit ka ek chhota hissa hi rakhana chaahiye. Ve bankon ke beech apne inavestameint ko baantakar risk ko aur kam kar sakte hain. Ek behtar vikalp det myoochual fands ya ee rating waali companiyon mein inavest karne ka hoga. Mani Honey financial services ke emadi end CEO anoop bhaiya ke mutaabik, 'Agar aap do lakh rupaye inavest karna chaahate hain to ise do ya teen bankon mein baantein. ' isse risk ko kam karne mein madad milegi kyonki ek bank mein pratyek dipaujitr ko adhiktam ek lakh rupaye ka inshyoreins milta hai, jismein principle aur intarest donon shaamil hote hain. Haalaanki , isse bank ke divaaliya hone ki sthiti mein aapki poori suraksha naheen milti. Inshyoreins hone ke baavajood bank ke divaaliya hone par paisa haasil karne mein kaafi samay lag jaata hai. Sartifaaid financial plaanar shankar ne bataaya , ' agar koi bank divaaliya hota hai to reguletar ko esets bechakar aapki rakam vaapas karne mein samay lagta hai. ' udaarahan ke taur par , 2013 mein RBI ne Pune ke rupi ko - oparetiv bank ko nirdesh diya tha ki vah dipaujitrs ko sevings ya dipaujit account se 1,000 rupaye se jyaada nikaalne ki anumati na de. Aisi sthiti mein inavestars ke paas koi vikalp naheen bachata. Vikalp : Eksaparts ka maanana hai ki inavestars ke liye eee ya ee rating vaale corporate fiksd dipaujits aur det myoochual fands mein paisa lagaana ek behtar vikalp hai. Iske liye apni or se kuchh research bhi ki ja sakti hai. Top rating waali companiyon mein aamtaur par koi risk naheen hota. Inavestameint edavaaijar jitendr solanki ne kaha , ' majaboot faaineinshiyls aur ek bade group ke enabeeefasi mein inavestameint kiya ja sakta hai. ' solanki mahindra finance aur shreeraam transport finance ki salaah de rahe hain , jo teen varshon ke liye kramash : 10.25 feesadi aur 10.75 feesadi ka intarest de rahe hain. Tax efishiyent praudakts chaahane vaale inavestars ultra short - tarm fands mein paisa laga sakte hain. Myoochual fund trainking farm vailyoo research ke mutaabik , ultra short - tarm fands ne pichhle ek varsh mein 9.10 feesadi ka return diya hai , jabki fiksd dipaujits par milne vaale intarest par aapki slaib ke mutaabik tax lagta hai. Tax ke morche par det myoochual fands behtar rahate hain.

Ko-oparetiv Bankon Ki FD Par Oonche Rate Ke Saath Risk Bhi Jyaada https://www.angrejinews.com/pic/51081