2 से ज्यादा हैं बैंक अकाउंट तो कराएं बंद, वरना होंगे कई नुकसान | Disadvantage of multiple account
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- เผยแพร่เมื่อ 7 ก.ย. 2024
- Disadvantages of multiple saving account 2022. Income Tax Tension and loss of Money. DICGC 5L Security, A/C opening due to higher FD rate in new Banks, Income Tax 10L High value transaction limit, Different A/c for home loan, Salary A/C - Non-Closer post employment change, Joint A/C with Family - You also have liability.
#SavingAccountDisadvantages #MultipleBankAccount #AccountsinDifferentBanks
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Disadvantage of multiple account
Maintaining minimum balance - Loss of money
Money gets locked and not available for self use (some bank ask for 10-25K as AMB)
Loss of earning higher interest rate opportunity in FD or other investment option (4% saving interest vs 8-10%)
Penalty in case of non maintaining minimum balance - sometime bank change rule and charge penalty.
Always maintain one permanent account in Gov Bank - low MAB
Link all your home load EMI, ECS PF account to this account
Open FD without saving account if service available
In case not possible then open A/c without debit card if purpose is only FD (high interest rate)
Close A/c as soon as FD purpose is done
Close a/c after change in job
Maintaining two account is fine
With all due respect i agree to your points but with 3 4 accounts we can have better financial management..we can choose bank that provides Virtual debit card AND 0 BALANCE..so we have to only bare sms charges .
1. Salary
2. Investment in mf,ppf,emi
3. Emergency Fund + FD
4. UPI
1,2 can be clubbed..but for better fund management we can keep 4 accounts
If DICGC increases the limit from 5L to higher limit ,then probably people may not have more number of accounts. On one side we say govt banks are safe but no one takes responsibility beyond 5L, how long one can live in 5L..may be 1 year.... banks pay premium to DICGC from our money only...if any bank really claims that they are safe,then they should come forward and raise that limit to a higher number..they will definitely get huge number of new customer and money
Correct
I am agree, but so-called TH-camr never increase awareness
If I have opened online fds in axis and indusind banks without opening saving account than still I got 5 lakhs of RBI guarantee for both the both the banks seperately
Yes
Mere to total 7 Banko mai Account hai 👍
Sahi hai
Tumara toh banta be hai...Guju jo ho.
Good. But cibil score is not effected by non maintaining minimum balance in savings account. Plz rectify. Video is good
Good evening sir thanks for such an fruitful & valuable information .
I invested in SBG when you enlighten it
I have Sukanya, ppf also.
Now I want to start SIp.
Please guide me how to start
Then how can secure money in some banks. Said purpuse we open multiple ac it increases burden on both but succeed in insurance. So bank should increase lt so that avoid unnecessary load
Hello...can you make video on new SGB series? Should we need invest on current series or wait for next series
Very poor reasons for not maintaining multiple accounts.
Yes
Pl intimate me
Security of money in account in case of bank default.
Maximum security for account holder.
MAXIMUM RISK. FOR ACCOUNT HOLDER.
सर, अगर किसी सरकारी बॅंक ने डेबिट कार्ड दिया है और आप उसे इस्तेमाल नहीं करते हो तो क्या वो सरंडर किया जा सकता है? कृपया बताएं। धन्यवाद🙏
Bilkul
Yes
Sir please comment on yes bank AT1 bonds, any idea bank will pay the money back
Sir
NRE अकाउंट के पैसे को पोस्ट ऑफिस के स्कीम में जमा कर सकते हैं क्या,
रुपए मैं- cashmoney ले सकते हैं क्या,
Very good information sir
Thank you
Very informative 🙏
Thanks sir ji for valuable information
Sir Nice Information From you
Sir Which Bank is Providing Saving 5% Please Tell
Sir FD Intrest or increase Honge Please Made New video About FD Which Bank is Giving Higher FD intrest Rate
th-cam.com/video/D9je2Pi1Lrs/w-d-xo.html
Highest fd new video June 22.
Post office saving bank
Do we get back the locker rent on surrender of locker for unutilised quarters. Please update specially in BOB
Iam hereing account with Sarswat Co Op Bank Ltd
Is that come in Reserve Bank norm ???
Plz tel whether Ujjivan Small Finance Bank comes under DICGC
Jyda bank account opened karne se cibil score par farak padega ya nahi
Sir
आर्थिक मंदी से gold price मे क्या असर होगा?
Sir G har ek Bank me ye rule compulsory hona chahiye ki nomination zarur kare nhi toh fir kisi ko pata nhi chalega ki kis Bank me Paisa hai or agar kuch ho jaye toh fir Sara Paisa nominee ki milne bhi dikkat nhi ayegi toh govt me ab ye rule compulsory karna chahiye ki har ek Bank me koi na koi nominee zarur hona chahiye...
Multi pal a/c se fayda hai . kisi aria strike affected hota and emergency ho to another bank account se cash withdrawal kar sakte hai
Very nice nformation given about savings account.
Please let me know if Standard Chartered bank is insured by RBI
Punjab National Bank
BOB में भी minimum balance maintain करना होता है ?
Mera 4 bank account hai aur sb government lekin mai sirf 2 m hi transaction kr pa rhi hu ye btaiye ki baki 2 ko close kr du ya as it is rhne du . Salary a/c khula tha
बहुत अच्छी जानकारी दी आपने थैंक्स 🙏🏻पर जो आपने कहा बैंक 5lac की गारंटी लेता है तो sscs मे बैंक 15lac कैसे सेफ है प्लीज क्लियर करें 🙏🏻
Sir I wait Ur tomorrow next video regarding gold......
Central Bank óf indía salary àcctt SBI bank ofndia ki sthiti bataiye
Axis, HDFC, Yes
1:- Sir Bank of India ke account se bhi kya gov 5 lakh ke oopar ka paisa nikaal sakti hai?
2:- BOI se ek baar me cash kitna nikaal sakte hai...?
Sir, could you mention bank names which provide fd facilities without opening saving account?
Indusind bank me khol le bhai.
Ujjivan Small Finance Bank
Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga.
Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..
Unity SFB
Aaplog pahle aapasme faisla kijiye k jyada acct rakhne chahiye ya nahi?
Kyonki kisi aur n kaha k 5 lac insurance hota hai. To bankruptcy k nuksan se bachneke liye zyada acct.kholen
Please confirm whether following banks come into RBI for savings account
Sir union Bank of India rbi or dicgc undr ata hai ya nhi
एक सीनियर citizen हैं और दूसरा genernal citizen है तो joint अकाउंट में किस हिसाब से एफडी रेट मिलेगा सीनियर citizen केे हिसाब से या genernal citizen केे हिसाब से
If we invest money in 4-5 post office schemes, is it a matter of concern?
No
For nre for filing of returns with no taxable income presently CA is asking for individual separate mobile numbers for different accounts which till now was registered to one mobile only. What is the way out for nre who don't have India mobile number . How does he file the returns just for continuity
BOI,SBI,HDFC banks .r they safe under RBI
BOI, SBI, HDFC these banks are safe. Don't worry.
Bob ?
Kya bank a/c close krne ka koi charge lete h canara bank m ( government) bank m ?
Pl.inform us that which privte banks allow to open FD without opening a savings account at their bank.
Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga.
Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..
Please intimate whether The Postal and RMS Coop. Bank Ltd. Ambala Cantt is in list of DICGC
AU Small Finance bank or IDFC First Bank
HW abt being a joint account holder, wll that b also treated as an account for IT purpose?
What is your opinion about joint savings account with second name?
Punjab and Sind Bank is under RBI/DICGC ?? please suggest
Dombivli Nagari Sahakari Bank & The Cosmos Co-op Bank - are these banks covered under RBI rules ?
If a bank pays Insurance premium to dicgc than only your deposit comes under insurance
Yes Bank, panjab national bank. panjab nd sind Bank. R they safe
Any bank listed in the link is safe but Public sector banks are more safer than unknown pvt. One name account is safe upto 5 lakhs (savings acc, fd, Rd etc including) per branch.
Sir, please describe of premature with draw of KVP.
Sir serwe gramee Bank RESPONSED BY PUNJAB NATIONAL BANK MAI RUPEES SAFE HAI
Jana small finance Bank facility for 5 lakhs facility available?
Sabhi bank account agar income tax govt ki najar mai to fir froad karke account se paisa uthata hai kya unka account najar mai nahi hai kya ...koi case kiu nahi hota hai.
Sir 15G form fill karne ke baad FD interest agar above ₹40000 ho toh kya tab bhi TDS deduct hoga.
Nahi tab nahi hoga
Sir mera ek PNB account hai chd me dusra bank of baroda ka or ek joint h account h wo b Baroda m
Sir ekbar applog DICGC kaa rule bolte hoo , dusra app log bolte hoo 2 savings account rakne ke liye. Very confusing, pls clarify.
Don't listen to them. I have 10 Bank accounts. Almost all are zero balance accounts. Can manage all acounts from Mobile. No need to go to branch.
@@zenmilind well said 👍. But in which banks you have zero balance account?
@@sambaransarkar4519 Kotak 811, Axis ASAP, PayTm, Jio, NSDL, AU, Airtel etc are zero Balance accounts... Suryoday Small Finance Bank, Jana, Equitas I have to keep 1000 Rs balance.
@@zenmilind thanks
Managing of many accounts is not too difficult. There is guarantee of 5 lacs only. If a person has one crore and only account in one bank, bank fails then who will give him after 5lacs.Please reply definitely otherwise don't make this type of video.
agar zero balance account open kiya jata hain 5-6 banks main, DICGC ke facility ke lie toh problem hoga kya, agar each bank main 5L ka fd karu toh
No issue
NRO KE DO A/C YA NRE KE DO A/C HAI TO PARESHANI HAI ??REPLY DENA HAI ??
SBI , HDFC and indusind bank are secured for 5 lac, please confirm.
Indian bank..ke baare me btayen??
Yes - its under RBI
Agar kisi bhi saving account me dusara nam account me hai to uska kya disadvantages hai?
Bank of india
Bank of maharashtra
Central Bank of india
Oriental Bank of commerce
SBI
Canada Bank
Hdfc
Axis
Kotak
ICICI
Bank of baroda
Sir Ye sare banks RBI k insurance m ate h kya?
Ye Bank
That's not Canada Bank it's Canara Bank
@@nkroy4912 just a typing mistake
Answer my question
Sir good morning sir maine cantral coopretive bank me fd ki thi FD maturing ho gei hai par mujhe paisa nahi mil raha bank wale kahte hai ki RBI se releese nahi hui hai please koi Marg bataye
There is no effect on cibil score issue with respect to minimum balance... please correct
Sir psb bank mein ek joined account hei kia ham ek singal account open kar sakte hei
Sir aap bole the mutual fund k video layenge but not bringing the same
Asyou know due to insurance for rs 5lac in one ac that why open multiple
What about utkarsh small finance bank...is it 5lak or 1lak
Bandhan bank & Axis bank
Mai keya 5,00,000/- ki suraksha milti hai ?
Sir bank of baroda , union Bank and sbi RBI se registered h
Yes - all are safe Bank
PNB bank me kya security hai, kitne rupaye tak secure hai
Sir, Bandhan bank
Thanks 🙏
Humara Account Central Bank me hai...aur hum is me kitna rakh sakte hai
SBi,Bank of baroda, PNB,Union bank
Good evening 30 jan 23 ko 60 year
Complete abhi Senior citizen ka benefits le sakte hai
Sir kuch puchhna chahte ho tab comment box se alag puchh sakte hai
you can benefit of Tax benefit for this financial year
but extra FD interest will be applicable post 30th Jan 2023
How to close two ppf account. Please guide us
LIKE AXIS BANK, ICICI BANK OR YES BANK
What about post office account...
HDFC TOO
Cibil score do not reflect from saving account
अगर कूछ कारण वश पाच साल या उससे ज्यादा साल तक रिटर्न नही भर पाते है तो क्या करना चाहिए?
Sir, sb me minimum balance Rs. 25000/- hona chahya taki sab apne sb A/c band kerwa le.
Sir auto sweep from k bare me bhi btaye
Canara Bank and Karnataka bank kya safe hain sir
Yes - Both are safe
Thank you for the reply sir
Sir Aapka stock and mutual fund related video Monday ko aane wala tha kya hua sir ..Nahi aaya....kab tak aayega
I am put of station for vacation. Will bring video next week
Sorry for confusion
@@SahajInfo it's ok...sir
State Bank of India
Sir mere 2 account 0 Balance hai eak account saving hai mujhe bhi nuksaan hai kya
Nahi
Kya DCB, IDBI,Indused jaise bank RBI k under aate hai
Yes bank ... Is it safe
Mera saraswat bank me hai to kya surakshit hai?
Suryoday small finance Bank RBI ke under ati hai sir
Sarasvat bank मे कितना रूपया सुरकशीत है
Sir I wait Ur today video regarding gold rate so here I request you to pls sir upload it...
What sir
I don't want to talk with u....first tell me who r u....
How much safe IDFC bank
Govt bank ke under kon kon se bank hote hai
Sir last week aapka video silver se related nahi aaya kyu pl video banaye silver per