There are multiple reasons for fall in FD 1. Savings becomes less because of inflation 2. FD intrest don't beat inflation 3. Growth in stock market and real-estate 4. People getting aware of investment in other investment source
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
People were relatively free in pandemic lockdown and had less expenses. People were more online where many financial youtubers grew rapidly.....all these factors lead to more financial awareness and invrease in investments. This is also the reason of big stock market boom during pandemic. You can see a big difference in knowledge about investments among people pre and post pandemic. Hence banks are now together facing shortage suddenly.
Duniya bhar ki online khridi zometo, sweegi se khana mangvaana duniya bhar ki unnecesary khridi karana apni life styl nhi dekhna aur sarkaar ko galiya dena aise hi to desh progress krega
My mother is a senior citizen of 64 years. She has put all of her small savings in a bank FD. She gets just 7.2% interest and any interest above ₹ 10000 is being charged at 10% TDS. This is extremely cruel to senior citizens. The govt. and banks will not spare even senior citizens.
Harek FD pe 50,000 tax free hai under income tax section 80TTB chahe wo 10 sal purana hi kyu na ho whereas 10,000 savings k interest pe tax free hai under section 80TTA of income tax act. Jankari na ho to kuch bhi mat bolo@@80sguy27
No 50000.... on whatever earned. Also if her total income doesn't come under taxable limit...please fill 15h form in the bank when the new Assessment year starts
@@shivamxparihar Lol. If you are considering Indian banks to foreign banks . Compare living standards , per capita income of people in 2 countries..... For the Indian standards banks started looting over 8 years ago . In the name of slip charges, atm pin change charges and service charges. If u r comparing compare in all aspects
Indians were natural savers, and preferred to put money in simple savings accounts and FDs. But not anymore. All thanks to our tax policies. FDs and savings are taxed as per highest tax slabs. When the country is punishing the savers then why is everybody surprised at the reduced savings ?
Everybody is not parking their money in banks and FDS because of returns they will earn from stock market is higher so obviously people will choose markets over banks.
@@avinashshool she may be true sanatani but her actions doesn't seem to be so. She must care more about common man of the country rather than corporations.
Simple hai everyone wants to earn money.. Government focusing on their money and people on their.. whichever type suits fit for the people they pick their choice🙏
@@Hrushikesh_T???? What are you laughing at?? Are tumhe shayad TAX Dene ki lat gayi hai. Govt pension accountability nahi daaloge to saari zindagi aise hi chat te reh jaoge govt ki.
It's the new tax regime and the ego that's pushing banks towards the cash crunch. I just don't understand why FD taxation can not be considered as capital gain or flat 10% above 10000. That shall give the banking industry a huge boost. 80(c) used to be a good friend for the class who gives the most direct tax.
@@akshaypatil3680 Hello Akshay, congratulation... You will get the access on 15th on your registered email ID.. for any queries, plz reach out to us at 7276376429
The main cause for poor savings is rising inflation and taxes.People are spending all of their wages to change their lifestyle because they are unable to handle their expenses with decreased salaries. Education, health care, and food prices have all doubled, yet salaries continue to fall.
Banking will not END. In order to attract retail investors, banks will now introduce special schemes like FD linked Mutual Fund, FD linked F & O etc. 😁
It will not work as all this liquidity crunch is due to direct taxes and increasing income of households. Only government can help dealing with this situation by increasing tax slab amounts. You see per capita income is increasing but tax slab amounts remain unchanged since 2013.
बैंक ऑलरेडी पैसे कमा रहा है म्यूचुअल फंड बेचकर। ट्रेडिंग ऍप खोल रखी है सबने इंश्योरेंस बेच रहे है। ये प्रॉफिट भी तो बैंक काम रहा है समय के साथ प्रॉफिट के तरीके बदल रहे है।
Yes they will come back once this bubble is over ....they don't understand capital market ..they just saw last 4 years of returns which is 25-30% ..that too nyfty index is giving such high returns which is not normal once the bubble burst they will come back to FD
In my openion the big reason is new tax regime. Because of this people are no longer investing in tax saving FDs with 5 year lockin period. Govt brought the new tax system so that people spend more and the GDP grows, but the adverse impact on the banks was not calculated. The moment new tax system was introduced, some people already knew this was coming. In my openion it is going to get worse for banks going forward, because people are still on the way of getting educated financially.
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
Are bhai what ever amount we pay in the tax it goes in the banking system Only. the money remains in the banking system, only be it tax, money or equity or mutual fund or bonds.. The narrative produced in this video is fundamentally wrong
If Banks are SO WORRIED about CASA, why the PATHETIC Interest Rates? Measly 2% interest whereas inflation is 5%. So, saving money in Savings Account is like Burning Money. Additionally, Interest on Savings Accounts and FDs too are TAXED.
Itna Tax Bharne ke baad, koi kaise save kar sakta hai.. Common sense ki Baat hai bhai... Aur Save kar ke bhi agar FD kiya, toh uske Interest pe bhi tax lagta hai.. toh koi kyun FD Mein paisa daalega.. Itni Basic cheez Govt.. nahi samaj sakti, Kamaal hai !!
The main reason people are not keeping money in banks is that banks don't even give interest rates as inflation, so year by year our money is decreasing in the savings accounts.
Keeping money in bank is not an investment. Interest rates hardly beat inflation. No real income. DICGC limit should be increased indexation benefit should be given and interest rates must be realistic. Banking industry has been enjoying no risk business because loans has been given on collaterals. There is no free lunch. Remember this very clearly.
Due to inflation, most foolish,waste policies& consequential enormous increase of frauds in banks,such as substantial decrease in audits of statutory banks branch audits under mask of granting autonomy to banks,weakening the system of ' Ombudsman system " in banking,building heavy pressure on staff,auditors etc are some of reasons for today 's worst shape of psu banking system!
The main factor in sbi was staff was forcing customers don't visit branch do everything online. No respect for valued customers like FD customers. People stopped visiting sbi and public sector banks and hence less FDs in banks. On the other hand in case of small savings schemes in Post offices agents were ill treated and their commission was stopped. Hence even in small saving schemes people stopped saving . These are the prime factors of low deposits in banks and post offices.
People are getting more financially educated now, they understand that the bank interest rates can never beat inflation and that their money is losing value lying around in banks.
When the next market correction happens people will break all their FDs and invest in the equity market as that's the best time to buy equities 😂😂😂. Logo ko itna bhi bewakoof mat samjho
Please go through all the banks' quarterly results, you can clearly see what amount of deposits of public they are holding mainly in the public sector banks.
Salaried persons have to pay taxes as per their salary slabs. The leftover salary if kept in FDs then again it will be taxed. If middle class wants to buy gold instead of FDs it will also be taxed. If he keeps in Mutual funds these will also be taxed. When a normal middle class guy wants to go into share market it will also be taxed heavily. Now seeing at all these if anybody wants to buy house the banks charge higher rates. Now tell us why anybody wants to keep their savings in normal SB account or in FDs.......
Share market is like bubble now.. when it will burst , people will loss all money... In banks FDs and other deposit products provided are fully secured
Although they are secured the interest on deposit and govt schemes like ppf and sukanya was never so low. Govt indirectly is forcing public to take risk and invest in stock market and then asking why
If it is then why govt and sebi run advertise ...like mutual fund sahi hai !!! Why banks are forcing to sell investment and mutual fund ....providing target to employee to open demat account or to sell long term life insurance ...
Are bhai.... Isme majority fark pad raha hai... Current A/c ka.... Kyuki logo ke small business sabse zyada impact hua hai... 1). GST 2). Covid-19 Dusra ye ki Bade business aur bhi bade ban rahe hai aur chote business band ho rahe hai
Income tax, GST, Inflation are reducing household savings. However one of a major hidden factor is new income tax regime where 80C is not available. Most of people used to do 5 years FD or PPF etc just for tax saving and it was encouraging saving. Forced saving is also saving
Banks itself are at fault, last year I demanded a loan of 2 lakhs, against my own FD & returned the amount back to Bank in the due time. What banks are doing, they are granting loans without any colletral. I use interst out of my Own FD in mutual funds SIP, nothing wrong in it. How can a bank blame me, I am free to utilize my own money, wherever I feel to.
This might shock you, The Indian mutual fund industry has indeed seen remarkable growth, crossing ₹53 trillion in Assets Under Management (AUM) as of March 2024. Notably, SBI Mutual Fund leads the market with approximately ₹8.38 trillion in AUM, representing around 18% of the total market share. ICICI Prudential and HDFC Mutual Fund House follow closely, managing ₹6.16 trillion (12%) and ₹6.07 trillion (12%) respectively. Axis Bank and Kotak Mahindra Bank also hold significant shares, with ₹2.45 trillion (5%) and ₹2.8 trillion (5%) respectively. The remaining 48% is distributed among other mutual fund houses. The distribution of direct versus regular AUM among these major players is also noteworthy. For SBI, the ratio is 36% direct to 64% regular; for ICICI, it’s 38% direct to 62% regular; for HDFC, it’s 41% direct to 59% regular; for Axis Bank, it’s 35% direct to 65% regular; and for Kotak, it’s 37% direct to 63% regular. Considering the average Total Expense Ratio (TER) for regular funds at 0.76% and for direct funds at 0.36%, SBI Mutual Fund alone generates substantial revenue. Specifically, this translates to approximately ₹22,92,76,80,000 from regular funds and ₹19,30,75,20,000 from direct funds. Similar calculations for other mutual fund houses would reveal significant revenues as well. Despite various charges and stamp duties imposed by the government, these mutual fund houses continue to generate considerable profits. Additionally, being listed on stock exchanges, they may be leveraging their positions to influence their stock prices and stakes. This raises questions about transparency and accountability, which the Reserve Bank of India (RBI) might need to address. The substantial revenues and potential market manipulations underscore the need for stringent regulatory oversight to ensure fair practices and protect investors’ interests. It is imperative for regulatory bodies to scrutinize these activities and provide clear explanations to maintain trust and integrity in the financial markets. Then why the RBI is not mentioning this in there conferences??
Thanks for the detailed data. Rbi probably don't want to interrupt the Indian growth story. This is probably the only sphere where the govt can show for its performance.
Actually banks are regulated by RBI and markets are By SEBI, so obviously it's RBI concern to maintain banking system.And if mutual funds industry is prospering then is there any problem?
@@akarshsingh1984Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more. Secondly, when we pay the tax to the government, that also goes in the banking system only. . Governments hold accounts with banks so amount remains in the banking system only even after paying whatever amount of tax. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
Remember how government started license for payment bank and private banks, as well as government made it clear that in future there will be only five Public sector banks it means government will restrict itself and private Banks will capture maximum business due to their operational efficiency. In such conditions market itself Will control everything.
Suppose you make a FD of ₹100000 @ 7.0% interest rate then end of the year you will get ₹7000 as interest amount. If you are in 20% slab rate you have to pay ₹1400 for tax and you will get ₹5600. The overall you will get 5.6% interest income. So what is the point of saving in bank.
Are bhai what ever amount we pay in the tax it goes in the banking system Only. the money remains in the banking system, only be it tax, money or equity or mutual fund or bonds.. The narrative produced in this video is fundamentally wrong
@@vishalrajyaguru2597 Can a bank disperse loan against tax money or mutual fund and equity money. The point of the video is that banks need CASA and Term deposit money to disperse loan.
If our government and Central Bank and Financial Regulatory Authorities are concerned about Participation of public in capital markets then why they are not providing other options to public to invest their money safely and get high returns which can beat " Inflation "
Inflation may be good for country, but it's not good for it's citizens. Better than saving it in a bank is spending everything today, atleast the inflation will not reduce it's worth. But even better is to buy assets and let the money beat inflation in the long term. Any money you don't need in 6 to 12 months should be put into an asset than keep it with fist money
One small correction. Bank doesn't lend depositer's money as loan to others. They buy government bond with that money and provide interest from government bond interest after cutting 1-2% hair cut. But that's peanut income for bank. Real income of bank comes from interest of consumer and business loan which could be easily 10x to 15x of fd amount thanks to overnight settlement where shortfall managed by borrowing in repo market using govt bond as collateral. Banking is highly leveraged business. Think you invest in fd and earn 6 to 7% as interest where as bank earn 70 to 100% of that fd capital. The real concern of RBI is not reduction in casa or fd but indiscriminate lending particularly non secured one. If these loans default unpaid principal amount will float in the banking system and consume a portion of bank's capital for overnight settlement. Hence bank's ability to give further loan will be reduced unless additional fund is added.
Banks are not giving adequate interest on deposits that's why young generations are taking risk to earn exceptionally high return by investing in mutual fund, share market,p2p, etc.😊
The best way to collect more deposit s is to give tax rebate on savings. Other possible scenario is to give housing loans and education loans to depositors. It could be like ten times your savings at lesser interest.
Are bhai what ever amount we pay in the tax it goes in the banking system Only. the money remains in the banking system, only be it tax, money or equity or mutual fund or bonds.. The narrative produced in this video is fundamentally wrong
This is half truth ..please give such titles responsibly…banks can also raise deposits thru banking and PSU mutual funds and other debt funds ..as well as thru debentures
Bhai one of the reasons, new tax regime bhi h....old m 80C m deduction nhi badhai aur new m koi bhi deduction nhi.... Iske alawa 30 percent Income tax and is pr education cess aur GST bhi h
RBI is responsible reponsible for the dilemma of banks. If interest of banks are not attractive why customers deposit money ? Burrowing is cheaper and therefore people naturally opt it .
This video is a masterclass about how banking works, latest trends in industry and way forward. Thanks Prasad Dada! I really admire the way you explain complex topics in so easy to understand way. Have shared this video in my community too ! #bankingindustry #bankingcareer #careerinbanking #bankingnews
Ek lamba bear market sb normal kr dega 😅 Everything is correlated. Baki agr govt debt funds or FDs ko bhi 1.25 exempt limit mai le aye then it will be interesting to see.
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more. Secondly, when we pay the tax to the government, that also goes in the banking system only. . Governments hold accounts with banks so amount remains in the banking system only even after paying whatever amount of tax. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
This is a result of years of poor governance, the government failed to provide basic facilities such as health care, education, food, power, salaries and wages growth, infrastructure... This has lead to high inflation, low savings and families being bankrupt.
@@arjunkadam11142014 ke aage ka inflation dekho aur logo ki kamai dekho. Log khane pine ke saath bachat bhi ker sakte the, lekin ab nehi. Ab kaam jyada, mehengai jyada, tax jyada lekin income kam ho raha hai. Ye anpado ki sarkar ne middle class ki lutya dubo diye. Aur tum jaise chutiye 75 saal ka rona laga rahe ho. Had hai tere andhbhagti per.😡😡😡
1) Indian inflation is pretty high and putting money in bank is letting money depreciate more. 2) Indian rupee is getting hitting low day by day and it will reflected to markets so by just that the stock price get high to match the valuation. 3) India is becoming a worst place to live on earth with less jobs, TCS "3.5 LPA" and COGNIZANT "2.2 LPA" packages, Really? people need to put food on plate now how in the fucking way keeping money in bank will help them??? 4) TAXES, TAXES, TAXES. I am telling you raising tax on every time is not the solution and our dear mindless NIRMALA would not understand it and it put INDIA back by at least a decade.
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more. Secondly, when we pay the tax to the government, that also goes in the banking system only. . Governments hold accounts with banks so amount remains in the banking system only even after paying whatever amount of tax. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
Govt will print 10lakh crore. And everything will be over. Ye Saab uska trailer he. Apna money bank me rehke bhi share mrkt me hote hue bhi adha ho jaega. Kisiko kuch pata bhi Nehi chalega.😅
Bhai thoda dimag lagao agar share,gold me ya real estate me invest karenge and jab government kitna bhi money print kare sath hi sath Inka price bhi badhega to hamari financial situation aur achhi hi hogi😅😅
That's because of the debt trap. The increasing loans taken by people is increasing demand for commodities and pushing the prices higher. Once this debt is cut, prices will come down so will inflation.
In bank only upto 5 lakhs is insured by DICGC. I would rather park my money in stock market in that case for long term and liquid mutual funds for short term. After all, the banks give loans to the same companies.
Fd me sirf 5.5% se 6% intrest milta aur upar se tds bhi dena padta hai jo inflation tak to beat nhi kar pata , issse over the time paise ki value kam hoti jati hai isseleye log sb dusre options jaise ki mutual funds me paisa daal rhe hai , banks ko itna intrest dena chahiye ki wo inflation ko beat kar sake aur saath me thodi paise ki value bhi badhe
Bhai Influencer Agar Politician Ban Gaye To Bhi Yahi Haal hoga,Ye Video Banake Ke Liye Study Karte Hai, Politician Bane to Free Me Paisa Aayega To Ye bhi Aalsi Ho Jayenge😊
![[Sub Thai] APT. - ROSÉ & Bruno Mars](http://i.ytimg.com/vi/bYjhzP8x_uc/mqdefault.jpg)
Don't charge tax on saving and FD interest. Banks will be flood with deposits. Country will prosper.
100% Agreed.....
People expenditure is problem.... impulse expenditure.....
True....
Govt is solely responsible
💯
Right.. lekin mudal se jyada tax to pyaara hai
The fd interest rates are so low that you can’t compete with inflation
True n it is low throughout the world banking industry seems purposefully everyone kept it low for citizens to gain more
FD ka badhaya to loan pe bhi badhana pdega, usse aur inflation badhegi, isiliye nahi de sakte he.
POST TAX EFFECTIVE YIELD:4.512%
do not do fd bhai
@@MMC619 those miniscule returns are also taxed.
There are multiple reasons for fall in FD
1. Savings becomes less because of inflation
2. FD intrest don't beat inflation
3. Growth in stock market and real-estate
4. People getting aware of investment in other investment source
Why banks facing this issue only in India? What about US banks how they are surviving in the largest private investor economy ?
Investment management very very big field in India
@@evm6177 Even in the US, the same issues may exist. However, there may be some differences in investment size and awareness of investment.
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more.
It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
People were relatively free in pandemic lockdown and had less expenses. People were more online where many financial youtubers grew rapidly.....all these factors lead to more financial awareness and invrease in investments. This is also the reason of big stock market boom during pandemic. You can see a big difference in knowledge about investments among people pre and post pandemic. Hence banks are now together facing shortage suddenly.
Upto 28% indirect tax ke baad kya ghanta bachega saving keliye 🤦🏽♂️
Aisa kya kharidta he bhai tu jo 28% GST bharta he.. bohot km items he jispe 28% lagta he.
Bhai app luxury item lete ho toh app ameer ha nah fir kya dikat ha
Duniya bhar ki online khridi zometo, sweegi se khana mangvaana duniya bhar ki unnecesary khridi karana apni life styl nhi dekhna aur sarkaar ko galiya dena aise hi to desh progress krega
@@Mr1987atulबाइक ली थी जिस पर 28% GST है
@@SamayaChakra1guu scooty har saal me kidne kharidte ho??😂
My mother is a senior citizen of 64 years. She has put all of her small savings in a bank FD. She gets just 7.2% interest and any interest above ₹ 10000 is being charged at 10% TDS. This is extremely cruel to senior citizens. The govt. and banks will not spare even senior citizens.
Abey pagal hai kya, senior citizens k liye 50,000 ki limit hai
@@rohitkoli4990 New FD par hai, not on old FDs.
Harek FD pe 50,000 tax free hai under income tax section 80TTB chahe wo 10 sal purana hi kyu na ho whereas 10,000 savings k interest pe tax free hai under section 80TTA of income tax act.
Jankari na ho to kuch bhi mat bolo@@80sguy27
@@80sguy27ask her to submit 15H form
No 50000.... on whatever earned. Also if her total income doesn't come under taxable limit...please fill 15h form in the bank when the new Assessment year starts
Enough of banks loot in the name of charges.
Rothschild
Lol, banks loot in the name of sir hamare pas ek scheme hai....yeh insurance lelo
@@rishavarora9265 lol. That's not indirect charges.
Charges ? Indian banks charges nothing go and research about foreign banks
@@shivamxparihar Lol. If you are considering Indian banks to foreign banks . Compare living standards , per capita income of people in 2 countries..... For the Indian standards banks started looting over 8 years ago . In the name of slip charges, atm pin change charges and service charges. If u r comparing compare in all aspects
Indians were natural savers, and preferred to put money in simple savings accounts and FDs. But not anymore. All thanks to our tax policies. FDs and savings are taxed as per highest tax slabs. When the country is punishing the savers then why is everybody surprised at the reduced savings ?
True! With so many wrong economic policies, I wonder who still votes for this govt.
@@saying... one bad leaf does not mean that you cut down the entire tree. Support and feedback to the government is a part of the democratic process.
Exactly! ❤
Everybody is not parking their money in banks and FDS because of returns they will earn from stock market is higher so obviously people will choose markets over banks.
@@saying...I am voting, atleast far better than Indi alliance khata khat scheme.
We can save money when Nirmala ma'am leaves something for us...
Kya baat kya baat kya baat 😅😅😅
SHE IS TRUE SANATANI, WE NEED TO SUPPORT HER. SHE IS WORKING HARD TO ACHIEVE MODI JI VISION OF VIKSIT BHARAT. JAI SHREE RAM
No money left to buy Vicks also🤧
@@avinashshool she may be true sanatani but her actions doesn't seem to be so.
She must care more about common man of the country rather than corporations.
She had leave shit take it useless if u do not know to park your money at proper place it mean u should leave everything
Simple hai everyone wants to earn money.. Government focusing on their money and people on their.. whichever type suits fit for the people they pick their choice🙏
Perfect sab apana apana dekh rahe hai...
Yahi dhoka kha gaya india! Govt ka kam apna dekhna nahi hota hai apna desh ko dekhna hota hai.
😂😂😂😂@@saying...
Biznes me payment or payment recived karne ke liya bank a.c rakhate hai
@@Hrushikesh_T???? What are you laughing at?? Are tumhe shayad TAX Dene ki lat gayi hai. Govt pension accountability nahi daaloge to saari zindagi aise hi chat te reh jaoge govt ki.
Pre-Book Fundamental Analysis 2.0 👇
rzp.io/l/YTLFreedom
It's the new tax regime and the ego that's pushing banks towards the cash crunch. I just don't understand why FD taxation can not be considered as capital gain or flat 10% above 10000. That shall give the banking industry a huge boost.
80(c) used to be a good friend for the class who gives the most direct tax.
Hi I have enroll in fundamental analysis 2.0 where will be this course taken?
@@akshaypatil3680 Hello Akshay, congratulation... You will get the access on 15th on your registered email ID.. for any queries, plz reach out to us at 7276376429
x.com/Rk_851/status/1823402649535881532?t=5q7dDXvnNTKYFiycQeNs8g&s=08
#talkchargeScam
x.com/Rk_851/status/1823402649535881532?t=5q7dDXvnNTKYFiycQeNs8g&s=08
No zomato was harmed in this video
" PNB ne jitna maintenance charges se kamaya inta to zomato ka profit bhi nahi hai " 🤣😂
Income tax is insane , savings are eroding
👌👌👌
We need British raj back
@@hatebreeder999 then go to UK
@@mbgtilakmarty671 but india is in safe hands
The main cause for poor savings is rising inflation and taxes.People are spending all of their wages to change their lifestyle because they are unable to handle their expenses with decreased salaries. Education, health care, and food prices have all doubled, yet salaries continue to fall.
Banking will not END.
In order to attract retail investors, banks will now introduce special schemes like FD linked Mutual Fund, FD linked F & O etc.
😁
It will not work as all this liquidity crunch is due to direct taxes and increasing income of households. Only government can help dealing with this situation by increasing tax slab amounts. You see per capita income is increasing but tax slab amounts remain unchanged since 2013.
बैंक ऑलरेडी पैसे कमा रहा है म्यूचुअल फंड बेचकर। ट्रेडिंग ऍप खोल रखी है सबने इंश्योरेंस बेच रहे है। ये प्रॉफिट भी तो बैंक काम रहा है समय के साथ प्रॉफिट के तरीके बदल रहे है।
@@Megaterminator1302percapita income will increase when Ambani and adani get richer it dosnt mean you got any richer.
@@saying...Haan tho ambani, adani jaise company tho bna pahle.
Yes they will come back once this bubble is over ....they don't understand capital market ..they just saw last 4 years of returns which is 25-30% ..that too nyfty index is giving such high returns which is not normal once the bubble burst they will come back to FD
Government should cancel tax on FD's until then people will not invest money in FD's.
NIL taxation on FD on withdrawal and to increase the FD rate to 9 to 10%.
In my openion the big reason is new tax regime. Because of this people are no longer investing in tax saving FDs with 5 year lockin period. Govt brought the new tax system so that people spend more and the GDP grows, but the adverse impact on the banks was not calculated. The moment new tax system was introduced, some people already knew this was coming. In my openion it is going to get worse for banks going forward, because people are still on the way of getting educated financially.
inflation is the key reason of every problem.....
Stop looting money in the name of taxes on FDs , then people will save in FDs
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more.
It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
Are bhai what ever amount we pay in the tax it goes in the banking system Only. the money remains in the banking system, only be it tax, money or equity or mutual fund or bonds.. The narrative produced in this video is fundamentally wrong
Hogaya? @@vishalrajyaguru2597
sarkar ka mtlb hai: gareebo tum gareeb hi rho ameer bnne ki koshish mt kro
Han wo to hai
If Banks are SO WORRIED about CASA, why the PATHETIC Interest Rates? Measly 2% interest whereas inflation is 5%. So, saving money in Savings Account is like Burning Money. Additionally, Interest on Savings Accounts and FDs too are TAXED.
True!
Itna Tax Bharne ke baad, koi kaise save kar sakta hai.. Common sense ki Baat hai bhai... Aur Save kar ke bhi agar FD kiya, toh uske Interest pe bhi tax lagta hai.. toh koi kyun FD Mein paisa daalega.. Itni Basic cheez Govt.. nahi samaj sakti, Kamaal hai !!
😂😂😂😂
Bulls eye 👍
Cash pe deal Karo or tax do he maat
The main reason people are not keeping money in banks is that banks don't even give interest rates as inflation, so year by year our money is decreasing in the savings accounts.
Keeping money in bank is not an investment. Interest rates hardly beat inflation. No real income. DICGC limit should be increased indexation benefit should be given and interest rates must be realistic. Banking industry has been enjoying no risk business because loans has been given on collaterals. There is no free lunch. Remember this very clearly.
The fact is Modi Government have been given the Loan write off facility of Several MNC's. Why would people store money in banks
Never seen such an idiotic comment 😂 kucch bhi
THAT IS DONE UNDER VIKSIT BHARAT SCHEME, HAVE FAITH IN MODI JI. HINDU RASTRA AND AKHAND BHARAT WILL BE ACHIEVED SOON
@@Mr1987atulExactly I was like, dude what's the logic😅😅😅😅
@@avinashshool second most idiotic comment 😂
@avinashshool u mean momin rashtra as all policies are anti jhindus and pro mominns
Govt can never digest tax free income . Equities were one of the option. Now people will resort to black money in property market.
Logo ki jeb me pesa bach hi nahi raha hai 😢 or loan pe zindgi chal rahi hai yahi sachai har middle or lower class walo ki 😢
indeed truth
Abe ab rulayega kya
Bank Me Paisa Ek Sja Hai…. Banks Looting In The Name GST Minimum Balance Deposit withdrawal atm sms cash etc 😅 then why people comes to banks ????
The day Shaktikanta Das was appointed as RBI Gov, the Indian Banking system died.
Idiots want idiots only. If some intelligent come by mistake, they won't allow. Raghuram Rajan
100000% truth!👌
Acha Maskari kar rahe ho.Banks survive due to him else it will be finished.
Due to inflation, most foolish,waste policies& consequential enormous increase of frauds in banks,such as substantial decrease in audits of statutory banks branch audits under mask of granting autonomy to banks,weakening the system of ' Ombudsman system " in banking,building heavy pressure on staff,auditors etc are some of reasons for today 's worst shape of psu banking system!
The main factor in sbi was staff was forcing customers don't visit branch do everything online. No respect for valued customers like FD customers. People stopped visiting sbi and public sector banks and hence less FDs in banks. On the other hand in case of small savings schemes in Post offices agents were ill treated and their commission was stopped. Hence even in small saving schemes people stopped saving . These are the prime factors of low deposits in banks and post offices.
These problems of the banks will last only upto the next market correction
People are getting more financially educated now, they understand that the bank interest rates can never beat inflation and that their money is losing value lying around in banks.
Even if equity market corrects equity markets cagr will always beat fd and savings interest rates.....
@@fahimvlog7790 And on top of that, you have to pay taxes on FD as well, so its one and the same thing.
When the next market correction happens people will break all their FDs and invest in the equity market as that's the best time to buy equities 😂😂😂. Logo ko itna bhi bewakoof mat samjho
These problems can change the dynamics of the banking industry also.
Please go through all the banks' quarterly results, you can clearly see what amount of deposits of public they are holding mainly in the public sector banks.
Simple Answer:-
If banks stop deducting unnecessary charges from saving bank account holders, then people will keep money in Saving Accounts Simple
Salaried persons have to pay taxes as per their salary slabs. The leftover salary if kept in FDs then again it will be taxed. If middle class wants to buy gold instead of FDs it will also be taxed. If he keeps in Mutual funds these will also be taxed. When a normal middle class guy wants to go into share market it will also be taxed heavily. Now seeing at all these if anybody wants to buy house the banks charge higher rates. Now tell us why anybody wants to keep their savings in normal SB account or in FDs.......
Savings pe 12% interest mil jaye , stock market chor duga 😅😅.
Phir toh direct RBI k paas hi jaana padega tumko, kyuki bank toh pakka doob jayega 😂
These are the happy days for which we have given votes to our government. So celebrate it.
8:04 Kindly correct your data, SBI is NOT charging penalty on MAB since 2020, still making more profit than any other PSB.
Share market is like bubble now.. when it will burst , people will loss all money... In banks FDs and other deposit products provided are fully secured
Although they are secured the interest on deposit and govt schemes like ppf and sukanya was never so low. Govt indirectly is forcing public to take risk and invest in stock market and then asking why
If it is then why govt and sebi run advertise ...like mutual fund sahi hai !!!
Why banks are forcing to sell investment and mutual fund ....providing target to employee to open demat account or to sell long term life insurance ...
Are bhai.... Isme majority fark pad raha hai... Current A/c ka.... Kyuki logo ke small business sabse zyada impact hua hai...
1). GST
2). Covid-19
Dusra ye ki Bade business aur bhi bade ban rahe hai aur chote business band ho rahe hai
Income tax, GST, Inflation are reducing household savings. However one of a major hidden factor is new income tax regime where 80C is not available. Most of people used to do 5 years FD or PPF etc just for tax saving and it was encouraging saving. Forced saving is also saving
এর মূল কারণ, আজ মানুষ খরচ বেশি করছে সেটা ধার নিয়ে হোক বা emi এর দ্বারা, ও সেভিং একাউন্ট এর সুদ খুব কম হওয়া, আর অনলাইন upi ব্যাবহার বেশি, করার ফল😮
सरकारी बैंक की हालत बीएसएनएल जैसी नहीं होंगी तब तक आरबीआई और सरकार को पता ही नहीं चलेगा..😂😂
Banks itself are at fault, last year I demanded a loan of 2 lakhs, against my own FD & returned the amount back to Bank in the due time. What banks are doing, they are granting loans without any colletral. I use interst out of my Own FD in mutual funds SIP, nothing wrong in it. How can a bank blame me, I am free to utilize my own money, wherever I feel to.
This might shock you, The Indian mutual fund industry has indeed seen remarkable growth, crossing ₹53 trillion in Assets Under Management (AUM) as of March 2024. Notably, SBI Mutual Fund leads the market with approximately ₹8.38 trillion in AUM, representing around 18% of the total market share. ICICI Prudential and HDFC Mutual Fund House follow closely, managing ₹6.16 trillion (12%) and ₹6.07 trillion (12%) respectively. Axis Bank and Kotak Mahindra Bank also hold significant shares, with ₹2.45 trillion (5%) and ₹2.8 trillion (5%) respectively. The remaining 48% is distributed among other mutual fund houses.
The distribution of direct versus regular AUM among these major players is also noteworthy.
For SBI, the ratio is 36% direct to 64% regular; for ICICI, it’s 38% direct to 62% regular; for HDFC, it’s 41% direct to 59% regular; for Axis Bank, it’s 35% direct to 65% regular; and for Kotak, it’s 37% direct to 63% regular.
Considering the average Total Expense Ratio (TER) for regular funds at 0.76% and for direct funds at 0.36%, SBI Mutual Fund alone generates substantial revenue. Specifically, this translates to approximately ₹22,92,76,80,000 from regular funds and ₹19,30,75,20,000 from direct funds. Similar calculations for other mutual fund houses would reveal significant revenues as well.
Despite various charges and stamp duties imposed by the government, these mutual fund houses continue to generate considerable profits.
Additionally, being listed on stock exchanges, they may be leveraging their positions to influence their stock prices and stakes. This raises questions about transparency and accountability, which the Reserve Bank of India (RBI) might need to address.
The substantial revenues and potential market manipulations underscore the need for stringent regulatory oversight to ensure fair practices and protect investors’ interests. It is imperative for regulatory bodies to scrutinize these activities and provide clear explanations to maintain trust and integrity in the financial markets.
Then why the RBI is not mentioning this in there conferences??
Thanks for the detailed data. Rbi probably don't want to interrupt the Indian growth story. This is probably the only sphere where the govt can show for its performance.
Big Baloon 🤣 wait
Actually banks are regulated by RBI and markets are By SEBI, so obviously it's RBI concern to maintain banking system.And if mutual funds industry is prospering then is there any problem?
Govt is working hard for institutions and big corporates not for public,so why should they make any policy favouring public?
@@akarshsingh1984Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more.
Secondly, when we pay the tax to the government, that also goes in the banking system only. . Governments hold accounts with banks so amount remains in the banking system only even after paying whatever amount of tax. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
FD me 6.5% interest rate aur usme bhi income tax bharo.
To kaun FD banayega kya?
Obviously equity me dalega na.
Pocket may paisa nahi hai. Toh bank account may kaha se rakhe
लोन लो शेयर लो
Me too bro 😢
Spoken like my berozgar friend 😂
Yahi maay jaal hone ja raha he
Bank account me Paisa nahi hoga to future me bank loan kaise dega😂
😄😄
Share Makret loan dega kyunki sara paisa wo kha k betha he😂
Smiled when he said "Lunch ke baad anna", every one knows which bank he is referring to 😀
Remember how government started license for payment bank and private banks, as well as government made it clear that in future there will be only five Public sector banks it means government will restrict itself and private Banks will capture maximum business due to their operational efficiency.
In such conditions market itself Will control everything.
fact1: SBI ne minimum balance penalty aaj se nahi 2020 se band kar rakha hai,with every account opened SBI takes a loss, if it is not maintained.
Going digital is the main reason as people can withdraw money at any time & also low interest rates are main reason for this issue for banks
We are moving from real money to speculated money
Suppose you make a FD of ₹100000 @ 7.0% interest rate then end of the year you will get ₹7000 as interest amount. If you are in 20% slab rate you have to pay ₹1400 for tax and you will get ₹5600. The overall you will get 5.6% interest income. So what is the point of saving in bank.
RS.200 MEI PAN CARD BANA LE AUR FORM 15G BHAR LE ..ESLIYE BOLTA HUA INDIA MEI BINA PADHE LIKHE TUM JAISE CHUMU BHARA PARA HAI😅😅
Are bhai what ever amount we pay in the tax it goes in the banking system Only. the money remains in the banking system, only be it tax, money or equity or mutual fund or bonds.. The narrative produced in this video is fundamentally wrong
@@vishalrajyaguru2597 Can a bank disperse loan against tax money or mutual fund and equity money. The point of the video is that banks need CASA and Term deposit money to disperse loan.
If our government and Central Bank and Financial Regulatory Authorities are concerned about Participation of public in capital markets then why they are not providing other options to public to invest their money safely and get high returns which can beat " Inflation "
Konsa option tum batao jara??
Deduction of tax on interest even if you are not in income tax slab is the biggest joke Govt can make of poor investors.
Inflation may be good for country, but it's not good for it's citizens.
Better than saving it in a bank is spending everything today, atleast the inflation will not reduce it's worth.
But even better is to buy assets and let the money beat inflation in the long term.
Any money you don't need in 6 to 12 months should be put into an asset than keep it with fist money
What a clear , deep and understandable analysis.
One small correction. Bank doesn't lend depositer's money as loan to others. They buy government bond with that money and provide interest from government bond interest after cutting 1-2% hair cut. But that's peanut income for bank.
Real income of bank comes from interest of consumer and business loan which could be easily 10x to 15x of fd amount thanks to overnight settlement where shortfall managed by borrowing in repo market using govt bond as collateral. Banking is highly leveraged business.
Think you invest in fd and earn 6 to 7% as interest where as bank earn 70 to 100% of that fd capital.
The real concern of RBI is not reduction in casa or fd but indiscriminate lending particularly non secured one. If these loans default unpaid principal amount will float in the banking system and consume a portion of bank's capital for overnight settlement. Hence bank's ability to give further loan will be reduced unless additional fund is added.
Inflation is at it's lowest in many decades
But sectoral inflation is high
Banks are not giving adequate interest on deposits that's why young generations are taking risk to earn exceptionally high return by investing in mutual fund, share market,p2p, etc.😊
Number of licemses which RBI has distributed in the name of small bank/payment bank in also one of reason
Zomato-Muje kyu Toda😂
The best way to collect more deposit s is to give tax rebate on savings. Other possible scenario is to give housing loans and education loans to depositors. It could be like ten times your savings at lesser interest.
Are bhai what ever amount we pay in the tax it goes in the banking system Only. the money remains in the banking system, only be it tax, money or equity or mutual fund or bonds.. The narrative produced in this video is fundamentally wrong
Earlier banks were opportunists. Now customers have become opportunists. Inflation teaches people economical awareness.
Similarly,banks like sbi also need to improve and change their attitude of taking customers for granted . Their customer service is really pathetic
Yes worst bank must be closed
Great work 👍 keep posting such knowledgeable videos 🙏
Sure 👍
This is half truth ..please give such titles responsibly…banks can also raise deposits thru banking and PSU mutual funds and other debt funds ..as well as thru debentures
Sir you are explain so simple
You are great
Job ja rahe hai logo ke toh paise kaise rakenge banks mai ye bhi bahut bada reason hai
Bhai one of the reasons, new tax regime bhi h....old m 80C m deduction nhi badhai aur new m koi bhi deduction nhi....
Iske alawa 30 percent Income tax and is pr education cess aur GST bhi h
Bank tabhi yad ata hai, jab note band hone wale ho
RBI is responsible reponsible for the dilemma of banks. If interest of banks are not attractive why customers deposit money ? Burrowing is cheaper and therefore people naturally opt it .
People are becoming poor day by day due to high inflation and low real income
This video is a masterclass about how banking works, latest trends in industry and way forward.
Thanks Prasad Dada! I really admire the way you explain complex topics in so easy to understand way.
Have shared this video in my community too !
#bankingindustry #bankingcareer #careerinbanking #bankingnews
So you also responsible for banking crisis by creating financial awareness in security market.....😊😊
No SBI employee was harmed in this video...
valuable knowledge and good research
Ek lamba bear market sb normal kr dega 😅
Everything is correlated.
Baki agr govt debt funds or FDs ko bhi 1.25 exempt limit mai le aye then it will be interesting to see.
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more.
Secondly, when we pay the tax to the government, that also goes in the banking system only. . Governments hold accounts with banks so amount remains in the banking system only even after paying whatever amount of tax. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
The only reason is the foreign investment policy, and distribution of licences to businesses
This is a result of years of poor governance, the government failed to provide basic facilities such as health care, education, food, power, salaries and wages growth, infrastructure... This has lead to high inflation, low savings and families being bankrupt.
Shut up ..
75 saal so rahe the log abhi jag gaye😂
@@arjunkadam11142014 ke aage ka inflation dekho aur logo ki kamai dekho. Log khane pine ke saath bachat bhi ker sakte the, lekin ab nehi. Ab kaam jyada, mehengai jyada, tax jyada lekin income kam ho raha hai. Ye anpado ki sarkar ne middle class ki lutya dubo diye. Aur tum jaise chutiye 75 saal ka rona laga rahe ho. Had hai tere andhbhagti per.😡😡😡
75 sal pehle mutual funds nahi the. 😅
Reduce long term capital gain tax to zero. Small investors will not do F&O or trading and will make some money.
7:51 Zomato be like: मुझे क्यूँ तोडा?? 🤣🤣
Congratulations Sir For Your 25 lakh Subscriber
1) Indian inflation is pretty high and putting money in bank is letting money depreciate more.
2) Indian rupee is getting hitting low day by day and it will reflected to markets so by just that the stock price get high to match the valuation.
3) India is becoming a worst place to live on earth with less jobs, TCS "3.5 LPA" and COGNIZANT "2.2 LPA" packages, Really? people need to put food on plate now how in the fucking way keeping money in bank will help them???
4) TAXES, TAXES, TAXES. I am telling you raising tax on every time is not the solution and our dear mindless NIRMALA would not understand it and it put INDIA back by at least a decade.
Are bhai whenever some person is investing in share market or mutual fund, the amount goes in the current account lying with the bank only.. The demat or trading account where the brokers money which is transferred from saving account by the customer remains in the banking system only. It is not like when we purchase the share The money is automatically converted into share. It is money only which goes from saving account to current account. So the low-cost deposit even increases in the bank. In the current account, the bank does not have to pay interest, unlike savings and FD. So banks are at higher profit, their NIM increases if we invest in equity more.
Secondly, when we pay the tax to the government, that also goes in the banking system only. . Governments hold accounts with banks so amount remains in the banking system only even after paying whatever amount of tax. It seems shocking when a governor of central bank appears to be ill informed from such basic fact and it is very surprising that entire media and the government is also being ill informed and misled. It is not the deposit which is going down, but it is loan component, which is going up because of, increasing consumption and economic activities in our economy so it's good only that low cost deposits are being mobilised more along with increasing loans in your economy. So let's stop being fooled.
Make the FD's as collaternal for trading. Maximum traders keep the funds in trading accounts though they are not trading.
Prasad bhai aap keh rhe ho inflation hai but government is saying inflation is at all time low.... what you say on this
Don't believe in gov data
Naam ka low pr hai pr inflation boht bd chuka hai 😢
Atta, chawal, allu, dal, sabzi, medicine ki cost compare karlo apni income ke hisaab se throughout the years...khud pata chal jayega inflation high he
Govt is lying. 😅. It's easy to lie with numbers. That's why statistics was invented.
When everything is so costly then how come anyone would save ? It's not about saving habits but people are so frustrated with tax terrorism.
3lakh p.a salary se kaise save hoga. Big city mai 1bhk apartment rent 10000 mai nehin milta hai. Kaise saving hai
Brilliant analysis and delivery
Govt will print 10lakh crore. And everything will be over. Ye Saab uska trailer he. Apna money bank me rehke bhi share mrkt me hote hue bhi adha ho jaega. Kisiko kuch pata bhi Nehi chalega.😅
Bhai thoda dimag lagao agar share,gold me ya real estate me invest karenge and jab government kitna bhi money print kare sath hi sath Inka price bhi badhega to hamari financial situation aur achhi hi hogi😅😅
FD interest rate should be
at least 10% then only banks
can attract people.
Mai kuchh saal bad ek assets management company kholunga usme kon kon paise manage karne ke liye dega bhut achha return dunga
Hi
@@Hardlavelc yah
Yes one more thing, give loans on proper inquiry not under pressure & recovery should be efficient.
When no one is saving. When no one having money , how inflation is going up
That's because of the debt trap. The increasing loans taken by people is increasing demand for commodities and pushing the prices higher. Once this debt is cut, prices will come down so will inflation.
In bank only upto 5 lakhs is insured by DICGC. I would rather park my money in stock market in that case for long term and liquid mutual funds for short term. After all, the banks give loans to the same companies.
I thing is sure , Market tumoil is coming, to save bank.
Fd me sirf 5.5% se 6% intrest milta aur upar se tds bhi dena padta hai jo inflation tak to beat nhi kar pata , issse over the time paise ki value kam hoti jati hai isseleye log sb dusre options jaise ki mutual funds me paisa daal rhe hai , banks ko itna intrest dena chahiye ki wo inflation ko beat kar sake aur saath me thodi paise ki value bhi badhe
Kyu BJP aur Modi ko vote Kiya yaar humne. Vote karke sab pachtarahe hai. Ab to sab influencers hi koi nai party banao
Bhai Influencer Agar Politician Ban Gaye To Bhi Yahi Haal hoga,Ye Video Banake Ke Liye Study Karte Hai, Politician Bane to Free Me Paisa Aayega To Ye bhi Aalsi Ho Jayenge😊
Nicely explained and very informative
Thank you so much 🙂
Thank 🙏you information sir.