आप का समझाने का तरीका इतना अच्छा है कि हर point बहुत ही अच्छे से समझ में आ जाता है आप किसी University में प्रोफेसर होते तो आपके subject में कभी भी कोई फेल नहीं होता
... explained nicely. Eye opening RBI scheme. In 7 years actual profit (7 years * 8.03 annual interest - 7 years * 6 % inflation)= 14.2 % [Means 2% annual income - income tax ] ....है ना 2 % से कम की सालाना बचत की गारंटी वाली गज़ब की योजना ।
*Whether, interest income is Taxable as per income tax slabs, if it is there, return will be 3 to 4%, much below the inflation rates & thus,making senior citizens poorer day by day as generally middle class simple senior citizens are depositing their lifetime hard earned savings in banks as FD etc and paying income tax on their interest income as per Tax slab & finally their life time savings are depleting day by day and making them poorer day by day. I don't know that who is responsible for this. This is a very sad and sorrowful situation of middle order retired simple senior citizens .There should be separate income tax rules & slabs for middle order simple retired senior citizens*
You are exactly correct. FM of India is fully responsible for this situation as PM Modi wants all money moving to Stockmarket so that heavy income for centralgovt. This isGujarathi thinking and FM of India align with PM Modi,s thinking. I do not belong to any political party in India.
There are some banks discouraging to accept these bonds. The bank staff say they have no knowledge about these bonds. They say they have no such application forms.
How about NationalHighway bonds ? These bonds are stated to be non transferable & non negotiable , I have not recd these bonds may be due to the postal authorities mistake or so , but as stipulated int has been credited to my SB acct , after the expiry period how to get back the amount deposited in the absence of bond ?
After redemption of mutual fund whatever interest earned on the same will be added to total income or not? if added to interest income is it comes under income tax slabs like 10%,20% or 30%. Plz reply
सरकार की ऐसी क्या मजबूरी है कि फिक्स ब्याज दर नहीं रख सकते हैं? अगले छ: महिने में जब रेपो रेट कम हो जाएंगे तो इन बॉंडस् पर ब्याज दर तो पक्का घट जाएंगे, इसके विपरीत महंगाई बढती जाएगी। इसके अलावा टैक्स भी कटेंगे। तो लाभ क्या होगा ❓घंटा!
Bandhan bank,ujjivan sfb,utkarsh sfb to 1se 2.5saal ke liye 8.05 se 8.5 %int.de rahe he wo bhi general citizen ko ..deposit guarantee 5lakh ke sath to 7 saal tak bond ki maturity ki wait karna kounsi hoshiyari he?upar bond ka koi monthly int.bhi nahi milta.to ye aam niveshako ke liye koi faydemand nahi he.
I purchased floating bonds 2020 from ICICI bank. But I want to close icici savings account now. How I can I transfer this bond and all upcoming interest to other bank account
At 02:30, the video mentioned that NRIs cannot make fresh purchases of RBI bonds....is that accurate? NRI's are Indian citizens; they are simply not residing within the country. Did the video mean "those people who don't have an Indian citizenship"?
11:24 आपने गलत कहा है! अगर आप की आय Basic Exemption Limit से कम है तो आप Form 15G/15H भरकर दे सकते हैं और TDS से बच सकते हैं | मैंने Form 15H भरके दिया है और मेरा TDS नहीं काटा जाता है |
Stock Holding Corporation of India Ltd also entertains RBI Bonds applications. Applicants can apply directly. To avoid deduction of TDS one can also submit 15G or 15H as the case may be right at the submission of initial application.
Do we have to physically approach issuing Bank for redemption on maturity? Will not the maturity amount be automatically credited to connected account on maturity?
Good info. But Sir, now that the interest rate is being changed to floating.. your expert opinion is also needed mentioning to whom exactly it is really suitable.
Exact name is GOVERNMENT OF INDIA (RBI) Floating Rate Savings Bonds (FRSB). Saying only RBI Bonds doesn’t convey the meaning. There are many other RBI Bonds too!!
sir har mahine intrest aayinga ya 6 mahine nai ek baar jaisa k agar 20000 invest kare tu 1610 rupay har mahine aajyinga aur invest sbi branch nai jakar karna hai ya direct rbi mai please bataye
I am a resident Indian and do not have any one with whom I can jointly hold RBI bonds. Can I nominate NRI and if so, what shall be the position of bonds in case of my demise. I am quite aged person, 89 years old.
What happens if the investor dies before the maturity of the bonds? Can the daughter who has acquired the citizenship of another country be nominated to receive the money on maturity of the bonds? Can she also be a joint holder?
The note signed by the Governor of RBI was demonetised by a politician with out even notice of an hour, so what is the guaranty or security of RBI bond ?
Black money was also changed...here only question is can a present government override decesion and issuance of previous governments on its own without any underlying court or authority judgement@@ashokpasrija4428
May is may invest kyu karu?? market may aur bhi kafi options hai jaha muje may be double returns mil sakta hai to aisa kya advantage hai rbi bond may jo koi is may invest kare ( sivay safety and security ke)
आप का समझाने का तरीका इतना अच्छा है कि हर point बहुत ही अच्छे से समझ में आ जाता है आप किसी University में प्रोफेसर होते तो आपके subject में कभी भी कोई फेल नहीं होता
Aap student intelligent ho, isliye aapko jaldee samjh aa jaata hai. Thanks
@@investment_Tax_mutualfunds your most welcome
🙏
ओ
Thank you for the information.. Well explained.
Thanks and welcome
... explained nicely.
Eye opening RBI scheme.
In 7 years actual profit (7 years * 8.03 annual interest - 7 years * 6 % inflation)= 14.2 %
[Means 2% annual income - income tax ]
....है ना 2 % से कम की सालाना बचत की गारंटी वाली गज़ब की योजना ।
💫
Inflation kam laga dia. Actual inflation is more.
Emergency me paisa nahi nikal sakte, loan nahi le sakte, mere jaise buddhe trap ho jayenge😅
😂😂😂😂😂
Good to have safe income and save in the Safe Custodian's hands too.
Very well explained with clear clarity. Thanks
Thanks and welcome
*Whether, interest income is Taxable as per income tax slabs, if it is there, return will be 3 to 4%, much below the inflation rates & thus,making senior citizens poorer day by day as generally middle class simple senior citizens are depositing their lifetime hard earned savings in banks as FD etc and paying income tax on their interest income as per Tax slab & finally their life time savings are depleting day by day and making them poorer day by day. I don't know that who is responsible for this. This is a very sad and sorrowful situation of middle order retired simple senior citizens .There should be separate income tax rules & slabs for middle order simple retired senior citizens*
You are exactly correct. FM of India is fully responsible for this situation as PM Modi wants all money moving to Stockmarket so that heavy income for centralgovt. This isGujarathi thinking and FM of India align with PM Modi,s thinking. I do not belong to any political party in India.
Yes you are right. It is a trap.
NO TRAP
Bt very soon rbi n bharat sarkar will be overtaken by adani....as his paid proxy is in the govt executing adani 's instructions......
Well said
Very clearly explained.
👌👍
Thanks
Bahut hi achchhi jankari thx
Thanks and welcome
RBI Bonds should have been tax-free with fixed rate of interest
Hope for the rest
There are some banks discouraging to accept these bonds. The bank staff say they have no knowledge about these bonds. They say they have no such application forms.
For Sr Citizens , highest interest is paid by Post Office Sr Citizens Savings Scheme (SCSS) @ (8.2%) . One individual can deposit 30L maximum .
Ltcg invest kar sakte kya... Yeh bods main
How about NationalHighway bonds ? These bonds are stated to be non transferable & non negotiable , I have not recd these bonds may be due to the postal authorities mistake or so , but as stipulated int has been credited to my SB acct , after the expiry period how to get back the amount deposited in the absence of bond ?
After redemption of mutual fund whatever interest earned on the same will be added to total income or not? if added to interest income is it comes under income tax slabs like 10%,20% or 30%. Plz reply
Which bonds are purchased for LTC gain?
54EC
Very well explained.
Thanks
Very good information.
Thanks
Can you suggest me five mutual funds for lump sum investment and SIP
It depends on personal suitability...whatsapp 7888350093
There are some banks discouraging to accept these bonds
Very good information
Thanks
सरकार की ऐसी क्या मजबूरी है कि फिक्स ब्याज दर नहीं रख सकते हैं? अगले छ: महिने में जब रेपो रेट कम हो जाएंगे तो इन बॉंडस् पर ब्याज दर तो पक्का घट जाएंगे, इसके विपरीत महंगाई बढती जाएगी। इसके अलावा टैक्स भी कटेंगे। तो लाभ क्या होगा ❓घंटा!
Do we have to pay regularly for 7 years or one time investment will work
One time
You did not explain whether one needs to declare the source of income ? Before deposit?
Are these bonds available in Central bank.of India? Pse reply.
No
This kind High inflation time you are advised to invest in bonds.
Very nice video well explained
Thanks and welcome
Bandhan bank,ujjivan sfb,utkarsh sfb to 1se 2.5saal ke liye 8.05 se 8.5 %int.de rahe he wo bhi general citizen ko ..deposit guarantee 5lakh ke sath to 7 saal tak bond ki maturity ki wait karna kounsi hoshiyari he?upar bond ka koi monthly int.bhi nahi milta.to ye aam niveshako ke liye koi faydemand nahi he.
Thanks for your reply.
My pleasure
I purchased floating bonds 2020 from ICICI bank. But I want to close icici savings account now. How I can I transfer this bond and all upcoming interest to other bank account
अच्छी जानकारी धन्यवाद
Thanks and welcome
Thanks for the information.
My pleasure
Amazing apratim adwitiy explain
Thanks
Kindly discuss in detail how RBI retail bond apps work and how Bits are bought and sold would be greatly appreciated.
मैच्योरिटी पर पूरा पैसा ऑटोमैटिक खाते में आ जाएगा या बैंक में जाकर फॉर्म भरना होगा।
At 02:30, the video mentioned that NRIs cannot make fresh purchases of RBI bonds....is that accurate? NRI's are Indian citizens; they are simply not residing within the country. Did the video mean "those people who don't have an Indian citizenship"?
INDIAN RESIDENT INDIVIDUAL ONLY CAN
Nothing can beat Mutual funds and stocks.
Agree
May be property can
May Indian Bank issued the RBI bonds?
Excellent information ❤
Glad it was helpful!
Agar bank dub gaya
To apkee paisa ka kya hoga
Kon paisa deeka exple Axis bank duba msinee wahan see RBI bond liya tha ??
Please clarify
YE RBI ne issue kiye hai. Wo kaise doob saktaa hai
If rupee value decline, all benefit wash away. In last 10 year it declined almost 30%. While gold apriciated to 125%.
What will be 9:59 majority benefit
No extra
Will the interest earned will be considered as income and liable for income tax?
Yes
Whether this investment shows in AIS TIS 26AS ?
Yes
@investment_Tax_mutualfunds Definitely shown in AIS, TIS and 26 AS. All income accrued linking PAN is automatically taxed.
Definitely shown in AIS, TIS and 26AS. All income accrued linking PAN is automatically taxed.
11:24 आपने गलत कहा है! अगर आप की आय Basic Exemption Limit से कम है तो आप Form 15G/15H भरकर दे सकते हैं और TDS से बच सकते हैं | मैंने Form 15H भरके दिया है और मेरा TDS नहीं काटा जाता है |
technical exemptions are always there
Bond ma investment karna wala ko kon si itr barni hoti ha basa
Stock Holding Corporation of India Ltd also entertains RBI Bonds applications. Applicants can apply directly. To avoid deduction of TDS one can also submit 15G or 15H as the case may be right at the submission of initial application.
15G/H will not work
We want Tax free RBI Bond of 7 year tanure .
Very nice information Sir
Thanks
Joint account in case of Bank accounts can be operated by both the account holders if the instructions so stipulate
Is there any limit amount invested and interest earned taxfree
No
Inflation kitna hey or rate of interest? Kon invest karega?aapne samzaya barabar but govt ko bhi Samzna chahiye retired parson kya kare?
Do we have to physically approach issuing Bank for redemption on maturity? Will not the maturity amount be automatically credited to connected account on maturity?
Not automatically
Good info. But Sir, now that the interest rate is being changed to floating.. your expert opinion is also needed mentioning to whom exactly it is really suitable.
It depends on personal choice between the available schemes
Exact name is GOVERNMENT OF INDIA (RBI) Floating Rate Savings Bonds (FRSB). Saying only RBI Bonds doesn’t convey the meaning. There are many other RBI Bonds too!!
StockHolding me RBI bond milte hai.15G/15 H bhi kam karte hai.
Getting bonds is a issue if you are address is different from Bank address. How to resolve .
plz elaborate
sir har mahine intrest aayinga ya 6 mahine nai ek baar jaisa k agar 20000 invest kare tu 1610 rupay har mahine aajyinga aur invest sbi branch nai jakar karna hai ya direct rbi mai please bataye
6 months
Sir inflation ka bhi calculation kar k bata dete.
Plz elaborate
Why to get locked for long term for floating rate interest?
AS ONE LIKES IT
I am a resident Indian and do not have any one with whom I can jointly hold RBI bonds. Can I nominate NRI and if so, what shall be the position of bonds in case of my demise. I am quite aged person, 89 years old.
You can purchase. Nominee will get the amount after you.
Very good information g
Thanks
At present we can invest? I hope the scheme is open. Presently.Please as advise
Open.
After suppose maturity date,not encash for another 10 year how interest will be given
Nothing
Very nice sir ji
Thanks
Sir Pl clarify premature closing of RBI bond depends on entry age or the date of attaining the prescribed age
Entry
Thank you for information. But better
save at PPF and mutual fund only.
MF best
MF samaj nahi aata hai. Islyea PPF sahi hai. E. E. E.
You can't invest 10lac in ppf.....
Deposit limits hai PPF kee. And lock-in in too long
Agree
Sir agar joint account karte h to t.d.s bhi joint name par katega?
joint account ho tab bhi account sirf first name ka hee maana jaata hai
Hdfc bank does not allow to apply from a joint account.
Unlawful
Stock holding me milte hain. Confirmed.
Can it be held in the demat form and tradable in market.
not tradable
Can we avoid capital gains tax by investing in RBI bonds.
Earlier I think it was so.
No. And it never was. Tac savings binds are different. Those are 54EC bonds
There is no capital appreciation since every six months interest is credited and on maturity you will get only your invested amount
If I invest maturity amount of ppf ac then income from rbi bonds is taxable or not?
Taxable
Bonds se FDR jiada Sahi hai, interest regular intervals par fixed milta hai.,Fixed ROi nahi hota.
But to have Tax exemption, Govt bonds are the best one.
Excellent
Thanks
very nice, thanks
Thanks and welcome
You should have told output first and later on the other details.
What happens if the investor dies before the maturity of the bonds? Can the daughter who has acquired the citizenship of another country be nominated to receive the money on maturity of the bonds? Can she also be a joint holder?
Joint holder nahi. Nominee ban saktee hai
The note signed by the Governor of RBI was demonetised by a politician with out even notice of an hour, so what is the guaranty or security of RBI bond ?
What rubbish you are talking. Total money was exchanged. It appears you have black money and do not pay income tax on your business
Black money was also changed...here only question is can a present government override decesion and issuance of previous governments on its own without any underlying court or authority judgement@@ashokpasrija4428
Use your head
KAIN ESPER BANK KEE DUBNEE KEE KARAN 5 LACK MAXIMUMWALA law to nahi lageega
Kya karna hoga tab ye bstsyee ??
Ye fully secured hai
अगर सालाना 10000 का intrest आता है तो उसमें टीडीएस कट होता है क्या।सालाना कितने रुपैया मैक्सिमम intrest aaye us par TDS nahi कटेगा।
TDS limit 40000 aur senior citizens ke liye 50000 hai, Deepak Bhai ko ye limit pata nahi hai isliye 10000 bol rahe hai
15h/15g form भरे 10% कटेगा
Is it under 54EC and tax free?
Taxable
Well explained
Thanks
Better to buy fixed rate FD for long term
Depends on personal suitability
Interes rate must be fixed not flucuating, then I will invest
Write to RBI
I bought the bond through HDFC. While doing premature closure, whether the BOND should be surrendered to HDFC or RBI?
hdfc
May is may invest kyu karu?? market may aur bhi kafi options hai jaha muje may be double returns mil sakta hai to aisa kya advantage hai rbi bond may jo koi is may invest kare ( sivay safety and security ke)
It's your choice
What is NHAI bonds?
Not available right now
Stock holdings
Bank of india
Bank of baroda also do rbi bonds 😊
What about tax free bonds?
Discontinued
भारत पर कितना लोन है ?
Market se पैसा कम करना है?
Liquidity is also important.
So we have to calculate how much is important.
Interest after 6 months.
Can government or courts confiscate or seized this deposit?
Yes
Compound interest milega ?
Sir int pay hee ho jana hai...6 months baad
After death of the nominee is Not an Indian Citizen then what will be the process?
He can get money
Can OCI card holders who got US citizenship can invest in RBI bonds
No
When these bonds will be available for purchase ?
Available now
My father purchased rbi bonds in1978 and get intrest through check.....but we lost all the papers
No issues
How can I get this money back
Enquire from Reserve Bank
while small fin. bank offers 8.50 to 9.5 % interest and 5 lakh is guaranteed so why should invest in govt. bond offer 8.,05 % only ?
Small fin history reveals the high risk
You didn’t tell about closing balance amount
Investment amount
Is there TDS or no income tax at all pl clarify
tds applicable
Sir isme bhi 5 lac tak ki inshorence hoti hai
Full secured. Unlimited amount
Can Charitable Societies buy these bonds? bonds
No