' how to buy a stock (with an example fundamental analysis ) and which platform is best (with brokerage commision ) ' Intha maathiri very very basic content pannunga anna... Ithu very first Beginners(like me) ku use aagum😊
Brother tell about RD, beacuse lot of people doesn't have amount of 25,00,000. Most of people in india are earning 20k - 30k. The RD will help generate Big amount in the end of the period. From that amount they can convert into FD and then if they want any loans they will 90% over draft that. Lot of people are search for the personal loans this will helpful for them.
Thanks. 1. Actually it is a pain to do KYC with each small finance bank in stable money. It would be great if stable money saves and reuses the same kyc and exchanges with small finance bank upto certain threshold say (3 months) 2. Ensure your principal stays less than or equal to 4 to 4.5 lakhs as DICGC is upto 5 lakhs only.
Hello boosan, if we open an account in any small finance bank and deposit 5 lakhs as fd, RBi insurance will be opened by default or we should request the bank to do it
You're doing a fantastic job! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
Thanks Boosan. Excellent going. 2 Doubts. IF we deposit an amount now, interest rate is locked till tenure or it will change as per RBI policy? Second is Stable allows to submit Form15H thro single window to all banks for avoid TDS? incase if my income is below Tax Slab? Kindly clarify bro. Rajkumar, Chennai
Could you please explain how much tax have to pay for FD interest and how to calculate. Because if we get 7% interest per year and the tax will be x% then my profit will be 7-x.
Hi Boosan, Bank shown in stable app are trustable ? any chance of fradulant bank? And for example If investors invest 5L in 5 different bank FD more interest rate, insurance DICGC covered for each investment? I mean for total 25L?
Apps registered with Stablemoney include RBI subsidiaries. All RBI subsidiary banks are covered under DICGC insurance. However, it’s always wise to verify separately whether the bank you choose has DICGC insurance. Keep in mind that the ₹5 lakh insurance limit is per person per bank. This means if you have a savings account, that amount also contributes to the overall coverage limit.
Instead of explaining more on FD laddering, I could see more promo for Stable Money. Just my thought Boosan. Also, it would have been great if you calculated that spreadsheet in live.
It works when you reinvest both your initial investment and the profits. However, if you withdraw the interest or don’t reinvest, compounding won’t take effect. Compounding is simply put growth on your previous growth.
Bro nowadays college students are eager in inverting so that can u make a long vdo or short vdo how to invest by students in college for then it can be very useful for us
These past few days watching my portfolio decline is very disheartening . Holding doesn't really profit much , any idea how on how to earn better on the short run ?
Yes. DICGC insurance provides protection for deposits in banks, covering up to ₹5 lakh per depositor per bank. This includes savings, fixed, current, and recurring deposits combined.
Yes, TDS on FD interest is applicable if the interest income exceeds Rs 40,000 for individuals under 60 years of age, or Rs 50,000 for senior citizens (aged 60 years or above). The TDS rate is 10%. However, if your total taxable income is below the exemption limit for the year, you cannot claim a refund of the TDS during ITR filing.
Hi.. my father brought SBI share in 2000 through bank But now how to sale that share he don't know. Bank saying to open dmat account. Can anyone explain how to get it. Thank you
I think your father bought in physical share certificate. So your father should open demat & trading account then dematerialize those physical share certificates., for this your father should submit DRF FORM (Dematerialization request) to the broker where he holds demat account. That's all, shares will be added in demat account. Now your father can sell those shares.
Booshan jii I'm tharun 20 yrs old I'm maintaining Stock portfolio in Google Sheets there is always tracking error in Google Sheets there is always price difference in Sheets to brokerage app cmp is always differ is there any solution for that...
If your annual interest income from Fixed Deposits (FDs) is below ₹40,000, banks are not required to deduct Tax Deducted at Source (TDS). For senior citizens aged 60 and above, this exemption limit is increased to ₹50,000.
Nanba, I am having ongoing life insurance (HDFC Sanchay Par Advantage) with limited period, monthly premium. Policy payment term : 6 years. Policy Term : 30 years Paid premium: 30 months Can I stop insurance and start nifty 50 or nifty 50 value 20. Please guide. *** Having Term Insurance. FYKI.
If this is a guaranteed income scheme, calculate the XIRR to evaluate its returns. If the return is satisfactory, it may be worth continuing; otherwise, you can consider switching to other options like index funds. Check this video for reference : th-cam.com/video/1JWbt1SudQk/w-d-xo.html
AAA Bonds and FDs offer similar returns, with bonds providing minimal risk and some liquidity through the bond market, though returns may vary with market rates. FDs provide guaranteed returns, are insured up to ₹5 lakhs by DICGC, and offer flexible tenures with early withdrawal penalties. Choose bonds for diversification and market access, or FDs for assured returns and added security.
அன்புள்ள Boosan அவர்களே கிழ்கண்ட பங்குகளில் நான் முதலீடு செய்து இருக்கிறேன் இது LONG TERM SIP தான் உங்கள் பார்வையில் எவ்வளவு சரி என்பதை கூறவும் உங்களின் பதில் எனக்கு மிகவும் உதவியாக இருக்கும் NIFTY 50 MF - 5000 NIFTY MIDCAP MF - 5000 NIFTY SMALL CAP MF - 3000 S&P 500 MF - 3000 NASDAQ 100 FOF MF - 3000 DEBT MF - 4000 இது சரி தானா ஏதும் மாற்றம் செய்யலாமா உங்கள் பதிலுக்காக காத்திருக்கிறேன் நன்றி
Please note that for premature closure of NRE fixed deposits (before 12 months) some banks will not pay any interest. Learnt that hard way , received 0 interest after closing 5L deposit in 10months at canara. I used to assume FDs are completely risk free as well , but there are such hidden rules which are not explicitly mentioned anywhere 😅
Invest in high-return FDs and earn 9.5% returns 👇
: stablemoney.onelink.me/rkWL/l4ymlarc
NPS investment it's worth or not kindly make one video Bro
See the video from 7:29 and save your time
🎉🎉🎉🎉
😂
' how to buy a stock (with an example fundamental analysis ) and which platform is best (with brokerage commision ) '
Intha maathiri very very basic content pannunga anna...
Ithu very first Beginners(like me) ku use aagum😊
I need to
Yow millitary nee enna Inga.
Brother tell about RD, beacuse lot of people doesn't have amount of 25,00,000. Most of people in india are earning 20k - 30k. The RD will help generate Big amount in the end of the period. From that amount they can convert into FD and then if they want any loans they will 90% over draft that. Lot of people are search for the personal loans this will helpful for them.
Glad you are a youtuber and never misses a chance to educate us about finances
Thanks. 1. Actually it is a pain to do KYC with each small finance bank in stable money. It would be great if stable money saves and reuses the same kyc and exchanges with small finance bank upto certain threshold say (3 months) 2. Ensure your principal stays less than or equal to 4 to 4.5 lakhs as DICGC is upto 5 lakhs only.
Completely agreed 💯
Another big problem is kyc video call process which requires person to know Hindi or English
@@prasanthaviator exactly buddy
Installed stable money app.did 1k for 7days FD just to try.Thnaks boosan
Ur videos are fuel to my urge to learn more about personal finances
9.5% is for Senior citizens. Don't get scammed 😅
FD laddering is helpful for bankers not for investors😅💯
Is it good to invest in secured bonds?
Hello boosan, if we open an account in any small finance bank and deposit 5 lakhs as fd, RBi insurance will be opened by default or we should request the bank to do it
You're doing a fantastic job! Could you help me with something unrelated: I have a SafePal wallet with USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
Next video Bond vs FD
Thanks Boosan. Excellent going. 2 Doubts. IF we deposit an amount now, interest rate is locked till tenure or it will change as per RBI policy? Second is Stable allows to submit Form15H thro single window to all banks for avoid TDS? incase if my income is below Tax Slab? Kindly clarify bro. Rajkumar, Chennai
Could you please explain how much tax have to pay for FD interest and how to calculate. Because if we get 7% interest per year and the tax will be x% then my profit will be 7-x.
STCG TAX 20%, LTCG TAX12%
No.. STGC & LTGC is not applicable for FD.. Only TDS 10% is applicable only if interest per annum is more than Rs.40000.
If you're tax payer, You need to pay as per your Tax Slabs. If you're non-tax payer, you can claim TDS by filing returns.
Hi Boosan, Bank shown in stable app are trustable ? any chance of fradulant bank? And for example If investors invest 5L in 5 different bank FD more interest rate, insurance DICGC covered for each investment? I mean for total 25L?
Good question. There is no info on wheather these FDs without Savings account are insured.
Apps registered with Stablemoney include RBI subsidiaries. All RBI subsidiary banks are covered under DICGC insurance. However, it’s always wise to verify separately whether the bank you choose has DICGC insurance.
Keep in mind that the ₹5 lakh insurance limit is per person per bank. This means if you have a savings account, that amount also contributes to the overall coverage limit.
Bro,
Is stable money registered and licensed with RBI ?. I Couldn't able to get this information.
Your thinking knowledge and thougts Very good sir....
Instead of explaining more on FD laddering, I could see more promo for Stable Money. Just my thought Boosan. Also, it would have been great if you calculated that spreadsheet in live.
Thank you Parthiban for your constructive feedback. I will add live calculation demonstrations in future videos.
If we go with FD laddering approach, we can’t utilise compounding effect. Right?
Reinvest in other instruments
It works when you reinvest both your initial investment and the profits. However, if you withdraw the interest or don’t reinvest, compounding won’t take effect.
Compounding is simply put growth on your previous growth.
Brother! Please put video on the major difference between bond and fd
I am beginner what are the funds to buy
Bro now days naraya bank la 400 Days ku 7.5 % nu solli recommend panragga .. 400 days na bank ku thana athu benefit?
Vaanga na vanakanga Naa ❤
Pls share the tax implications related to FDs
Above 40 K you have to pay tax. Above 50k for senior citizens.
So once u got the promotion with stable money, U post a video about FD😂
What about the Taxes for FD Laddering ?
Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.
Bro nowadays college students are eager in inverting so that can u make a long vdo or short vdo how to invest by students in college for then it can be very useful for us
What if the stable money company bankrupt, how can we approach the bank without their bank account???
The bank will send deposit confirmation details with FD booking receipt to us via email and phone.
These past few days watching my portfolio decline is very disheartening . Holding doesn't really profit much , any idea how on how to earn better on the short run ?
If you're holding fundamentally good stock, Wait for it.
Bro reit and invit pathi podunga
Neeng entha bank prefer panringanu mention pannunga boosan🎉❤..
Ipo hdfc la account illanalum athula fd open panalama
Anna i like to purchase your stock market and mutual fund course na....how i chat with you na or talk with you na..Am from pondicherry.
Does stable money has any kind of charges for handling this? Also is it safe to use 3rd party apps for this purpose.
Boosan , if I open 5 FD accounts ( 5 Lakhs in 5 banks ) .. My DICGC safety coverage is 25L .. right ?
Yes
Yes. DICGC insurance provides protection for deposits in banks, covering up to ₹5 lakh per depositor per bank. This includes savings, fixed, current, and recurring deposits combined.
bro please post FD vs bond Detail video
Post office la MIS (Monthly income scheme) irruku.. Safe and secur... 👍
7.4 % interest
Banks are telling there is a limit for FD. per PAN 40,000 interest only non taxable. So if i get 1lakh interest per annum do i need to pay tax??
Yes, TDS on FD interest is applicable if the interest income exceeds Rs 40,000 for individuals under 60 years of age, or Rs 50,000 for senior citizens (aged 60 years or above). The TDS rate is 10%. However, if your total taxable income is below the exemption limit for the year, you cannot claim a refund of the TDS during ITR filing.
Could you please explain why we can't claim the TDS if my total taxable income is below exemption
I think he meant that you can claim the deducted TDS during tax filing.
@@finance.boosan spelling mistake: can
Voru periya amt ta 555 days special fd la potta ?
6 Months க்கு 7 % வட்டி தராங்க...
இது வருஷத்துல ரெண்டு முறை போட்டல் 14 % வட்டி கிடைக்கும்.
No
@@R_Srividhya.25 wrong calculation bro. epdiyum same interest than. what specified by bank. i cant add up
@@rajkumarsr4267 Indian Bank
Hi.. my father brought SBI share in 2000 through bank
But now how to sale that share he don't know.
Bank saying to open dmat account.
Can anyone explain how to get it.
Thank you
Without demand account how one can buy shares 😂😂😂
I think your father bought in physical share certificate. So your father should open demat & trading account then dematerialize those physical share certificates., for this your father should submit DRF FORM (Dematerialization request) to the broker where he holds demat account. That's all, shares will be added in demat account. Now your father can sell those shares.
Sir, I think your father might received dividends for those shares. If not, you can also get it now
Booshan jii I'm tharun 20 yrs old I'm maintaining Stock portfolio in Google Sheets there is always tracking error in Google Sheets there is always price difference in Sheets to brokerage app cmp is always differ is there any solution for that...
Yes, the Google Sheet is not 100% accurate and may have delays in updating values. Use it as a reference, not as the final tool for decision-making.
@@finance.boosan ok thanks it's make sense
Very useful video bro .. but no money 🤑
is stable money app trust worthy ?
TDS ?
If your annual interest income from Fixed Deposits (FDs) is below ₹40,000, banks are not required to deduct Tax Deducted at Source (TDS). For senior citizens aged 60 and above, this exemption limit is increased to ₹50,000.
Could you please re-upload this video....after deducting TDS from your calculation
Nanba,
I am having ongoing life insurance (HDFC Sanchay Par Advantage) with limited period, monthly premium.
Policy payment term : 6 years.
Policy Term : 30 years
Paid premium: 30 months
Can I stop insurance and start nifty 50 or nifty 50 value 20.
Please guide.
*** Having Term Insurance. FYKI.
If this is a guaranteed income scheme, calculate the XIRR to evaluate its returns. If the return is satisfactory, it may be worth continuing; otherwise, you can consider switching to other options like index funds.
Check this video for reference : th-cam.com/video/1JWbt1SudQk/w-d-xo.html
What's the major difference between Corporate AAA bonds and these types of FD Boosan bro?
AAA Bonds and FDs offer similar returns, with bonds providing minimal risk and some liquidity through the bond market, though returns may vary with market rates. FDs provide guaranteed returns, are insured up to ₹5 lakhs by DICGC, and offer flexible tenures with early withdrawal penalties. Choose bonds for diversification and market access, or FDs for assured returns and added security.
there is no single corporate issuing AAA bonds bro
அன்புள்ள Boosan அவர்களே கிழ்கண்ட பங்குகளில் நான் முதலீடு செய்து இருக்கிறேன் இது LONG TERM SIP தான்
உங்கள் பார்வையில் எவ்வளவு சரி என்பதை கூறவும் உங்களின் பதில் எனக்கு மிகவும் உதவியாக இருக்கும்
NIFTY 50 MF - 5000
NIFTY MIDCAP MF - 5000
NIFTY SMALL CAP MF - 3000
S&P 500 MF - 3000
NASDAQ 100 FOF MF - 3000
DEBT MF - 4000
இது சரி தானா ஏதும் மாற்றம் செய்யலாமா உங்கள் பதிலுக்காக காத்திருக்கிறேன் நன்றி
Annuities pathi um sollinga positive negative rendume
Please note that for premature closure of NRE fixed deposits (before 12 months) some banks will not pay any interest.
Learnt that hard way , received 0 interest after closing 5L deposit in 10months at canara.
I used to assume FDs are completely risk free as well , but there are such hidden rules which are not explicitly mentioned anywhere 😅
Pls don’t recommend this kind of things. Is it safe?
Just business 😂😂
😂 inflation will eat ur capital that's all
So once u got the promotion with stable money, U post a video about FD😂
Fact 😂😂😂
So true. All is about money
Atha dhan video laye sollitare...ne ena pudhusa kandu pudicha mathiri pesitu iruka.. stomach burning ahh...
Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.
Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.
Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.
Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.
Bro can you talk about steps to invest in crypto and how to sell ? How to transfer from wallet ? How to use, safe way to do P2P.