RBI का EMI Moratorium Option कौनसा सही रहेगा? - इस Calculator से देखो
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- เผยแพร่เมื่อ 28 พ.ค. 2020
- RBI has extended EMI Moratorium for 3 months. Download EMI Moratorium calculator to know best option - drive.google.com/file/d/1Q6mU...
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The Reserve Bank of India (RBI) had initially announced a moratorium on loan EMIs for 3 months from 1 Mar 2020 to 31 May 2020 but has now extended the same for three additional months. Therefore, the total moratorium on loan EMIs period which started on March 1, 2020 now extends up to August 31, 2020.
The EMI moratorium provided would mean that if you have Home Loan EMI, Car Loan EMI, Personal Loan EMI, any other Term Loan EMI or even Credit card dues, you can avail the moratorium of upto 6 months announced by RBI recently. This facility is by all major banks like HDFC Bank, SBI, ICICI Bank, Axis Bank, PNB etc. However, the interest to be paid is not waived off but accrued and will become due to be paid later.
In this video we will find out if it is beneficial to avail the EMI Moratorium and make an informed decision through an EMI Moratorium Calculator.
भारतीय रिज़र्व बैंक (RBI) के द्वारा ऋण EMI पर मोरैटोरियम की योजना, शुरू में 1 मार्च 2020 से 31 मई 2020 तक 3 महीने के लिए की घोषित की थी लेकिन हाल ही में इसे तीन अतिरिक्त महीनों के लिए बढ़ा दिया है। इसलिए, ऋण EMI अवधि पर कुल मोरैटोरियम जो 1 मार्च, 2020 को शुरू हुआ था, अब 31 अगस्त, 2020 तक विस्तारित कर दिया गया है।
प्रदान किए गए EMI मोरैटोरियम का मतलब है कि यदि आपके पास होम लोन EMI, कार लोन EMI, पर्सनल लोन EMI, कोई अन्य टर्म लोन EMI या यहां तक कि क्रेडिट कार्ड बकाया है, तो आप को हाल ही में RBI द्वारा घोषित 6 महीने तक के मोरैटोरियम से ब्याज भुक्तान से राहत मिल सकती है। यह सुविधा HDFC बैंक, SBI, ICICI बैंक, Axis बैंक, PNB आदि जैसे सभी प्रमुख बैंकों द्वारा दी गई है। पर इस योजना में भुगतान किए जाने वाले ब्याज को माफ़ नहीं किया जाएगा, बल्कि अर्जित कर उसकाभुक्तान बाद में करवाया जाएगा।
इस वीडियो के द्वारा हम यह पता लगाएंगे कि क्या EMI Moratorium असल में फैयदेमंद है या नहीं और इसका सूचित निर्णय लेने के लिए हम EMI Moratorium Calculator इस्तेमाल करेंगे।
In this video we have explained:
1. What is RBI EMI Moratorium?
2. Is RBI EMI Moratorium good or not?
3. Will EMI Moratorium benefit?
4. Pros & Cons of EMI Moratorium
5. EMI Moratorium Calculation with examples
6. Additional Amount that you may have to pay on your loan if you avail moratorium option
7. Will there be additional charges for not paying EMI in moratorium?
8. Do we have to pay the interest of moratorium period later?
9. How to decide to avail moratorium or not?
10. What are the benefits and drawbacks of EMI Moratorium?
11. What will be the payment options?
12. Which payment options will be best?
13. How to calculate EMI to be paid after moratorium?
14. Will credit score be affected in moratorium?
First, we have to understand that moratorium is EMI holiday and not EMI waiver i.e. EMI will only get postponed. Additionally, interest will accrue during the EMI moratorium period which will get added to the outstanding Principal.
RBI has said clearly that if an individual takes the EMI moratorium, it will not be considered a default, so no penalty will be levied and credit score (cibil score) will not be impacted. For banks, asset classification will not be downgraded.
RBI has given three options to pay your dues:
1. One-time interest payment after moratorium period is over
2. You can increase your EMI outgo keeping the loan tenure as same
3. You can increase your Loan tenure keeping the EMI same
Which option is best, we will understand in this video.
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Hope you like this video on “RBI का EMI Moratorium Option कौनसा सही रहेगा? - इस Calculator से देखो”
drive.google.com/file/d/1Q6mUx9N1HWvSl2EyE_AC3TV-fUHwXAhH/view?usp=sharing
Please download the calculator in Excel, it will work fine. Don't directly change values in your browser.
Thank you so much sir...Aapka EMI prepayment ka video bhi bahut useful hai..
Thankyou Sanket :)
Make 1 video for CC / OD accounts also
Maine check kiya lekin ye pending emi km kyu nhi ho raha hai mera 60month ka hai our maine kiya to pending mai 250 kyu show kr raha hai..kyu..pls help sir ji..
THANK YOU, SIR, FOR VALUABLE VIDEOS, SHOULD WE INVEST IN MUTUAL FUNDS OR STOCKS AFTER AVAILING MORATORIUM AMOUNT? PLEASE SUGGEST
2:09 actual video starts..
Sir calculator me thoda error hai, total pending EMI hai vo change nahi ho raha hai , vo koi bhi time 250hi dikha raha hai, our increase EMI me bhi sem EMI rehata hai , i think formula misplaced ho gaya hai , ye sirf aapki information ke liye hai , so never mind🙏🙏
No one is saying that just keep money safe with you just for three or four months n if you r not in crisis after that simply pay of lumpsum. Why every one saying you have to pay hafty amount afterwards. Even home loan interest is lowest these days. Sir plz guide properly.
Ever since the Moratorium has been announced by RBI i have been waiting for this video from you Thank you again sir .... Excellent video
Only you can give details information on finance on TH-cam
Is se behtar Moratorium ka explanation Or kaha bhi nahi milega... Well Explained Sir...
Very good muje aj hi apke madayam se jankari mili calculation ki,. You are great man of the world
Sir one more option,, pay only interest during moratorium period regularly and extend the loan tenure.. where will this option fit??
You explained it very well and very detailed. I really like the way you explaining things with minute details. This video is very helpful for everyone.
The gist for this video is - its better if we choose "Increase EMI" option.
Just for the information to everyone. HDFC LTD is doing Compound Interest.
Repayment options for Accrued interest of moratorium period not yet declared by bank? If not do you think bank provides same 3 options of repayment you explained in the video?
This is all Calaculations (which is superb) ...but what about value of money now and after some year(say last3-4 installment) You should add this also to this Calaculations(take approx 1% depreciation in money)
For ex 100 rs value in 2020 is more than 100Rs value in 2030
Yes Shubham you are right, time value of money is ignored to make calculation simpler. But yes, that can further be added in the calculation.
Sir one question mera ek gold loan h 60k ka @ 18% aur 30k tak hoga to 12% per aega, aur ek car loan 5Lack 8.5% per jiski only 2 emi di h mere pas 30k cash h, mai kya choose karu
please answer
Thank you so much sir to understand this complicated process in such a easy way. I have shared this video with my friends and all of them are appreciating you.👏👏
It would be helpful for us if you fix the following issue in the attached sheet:
1. Number of pending EMI is not changing after selecting increase tenure.
2. New EMI is also showing the same as existing after selecting increase EMI
Sir .. mene sbi k 160 pr 20 or 150 pr 30 shyer liye the too kya m pure 50 ak bar me seel kr sakta hu kya or dp charge kitna lagega zerodha me
Concept clear.... Thankyou for this Video..🙏
Very knowledgeable n useful. However , pl.clarify if we pay one time int.then what about the arrears Emi?thanks
Sir main ek flat kharid rha hu mujhe pta chala ki mera flat MCD se Book hai or registry ka 15k extra paisa mang rha hai kya aesi property khridne main koyi problem hoga mujhe ye property delhi main hai or uper ground floor ka chhajja toda tha MCD ne plz ans sir
Hii
What is investment by one company in other company?
For ex. Facebook and silver lake have invented in Jio
Thank you very much sir ji for your guidance and providing EMI moratorium calculator.
sir ager mujhe home loan per topup lena hai or me uski jegeh per moritorium le reha hu to dono me kon sa benefit hai
Sir maine march to may moratorium liya tha(in the suspect of financial problem) but maine EMI ko continue jamaa karta rha to kya mujhe bhi jyada interest dena hoga.
Mera outstanding amount km ho gya h after paying continue emi (march to may) plz clear my doubt...
Mr.Yogi, what would u suggest for people having under construct flats and are paying EMIs, through repo rate home loan and possession in 8 months. This way they can accumulate some cash for GST+Registry+Furnishings and later on go with the increase EMI option. Your take on that?
Mitro, agar moratarium lekar hum samay par manually bank mein bhar dete hai to bhi interest charge hoga kya. Ya phir in the same month date ke baad bharate hain to bhi charges applicable honge kya?
Namaste Sir, one question regarding moratorium - can we apply for home loan moratorium or EMI hold request now in 2022 for some reasons?
Great video very insight full, can you give us with a calculator that can help us understand how much impact would lumpsum payments have to the loan amount... Going forward I want to add lumpsum amounts to the loan but need to know if that's better or is there a better option.
During the 6 months moratorium period, what interest would be accrued - Simple or Compound?
You mentioned that there is not enough clarity on this subject. But how is it in the case of education loans where moratorium periods generally exist.
Aapne galat calculate kiya hai. You need to look at time value of money too. Not just total money paid.
4 lakh extra paid over 15 years might be better than 2 lakh paid today. You see.
Correct I wanted to write the same then I saw you already wrote .
Money depreciation is ignored
Correct! if you pull that money and put in the stock market you will be in profit
@@gtk-elementarystudents2052 that is what I did with my home loan emi 👍😄🙋♂️🙋♂️
@@sahil_vi . You are right bro
Thank you sir.. Ek Question hai yah Options Bank ka Fix hoga Yah Hume. Choose karna hoga
Yah Video me Aapke Channle pr aane ka Kabse Wait kar raha tha
Thank u sir great explain
And this is my best TH-cam channel it helps and guides me
Sir even you are helping banking aspirants. These knowledge is really frutiful for the upcoming new bank employee and aspirants who are going to give their interview in future. Thanks again
Hi sir just want to know if we are paying one time interest ,then also there is an increase in tenure?
You are awesome ....1st I like your video and then watch
Superb video as usual!!! Eagerly waiting for new video of master investor series...!
sir kuch questions hai...i hope only you can clear my doubts. I purchased a property through sale deed with help of document writer.
Tell me, how to get mutation certificate? Document writer is saying ki humne fee deed krate tym hi pay kr di now mcd will mail you. But no mail received so far. Deed ke time jo mutation charges pay kre unki b receipt koi ni hai...aur jb maine khud se apply krna chah for mutation online toh wo property ka upic maangta hai.
Previous owner property tax offline pay krta tha so uss pr upic mention nhi hai...aur name and location se bhi m not able to find its upic, दिल्ली नगर निगम ki receipt se upic pta chal skta hai property ka?
Camarsel market me investment Kiya tha waha se 12% asurente aa raha tha jo logwdown me dena band kar diya hai aur mujhe laon dena bank ko vhari par raha hai ispe vi videos banaye sr thanks
Really best study of recession and explained it very simply to understand newcommers in share market
Sir is corna time me lockdown ke period me home loan lena sahi hai kya sir plz batyae
HDFC is not giving Option of One Time Payment...Not sure about other Banks.
explained well sir... I would like Asset Yogi channel to make video on TDS, IT, 12BB, 80C, form 16, 26q, 24q, 27 vagaira ..vagaira... ye saari cheejein kaafi confusing hai....kindly make video on these topics ...
1 more question sir👇👇👇👇
Mai 5paisa app use krta hu, usme kuch shares holding/buy h......
Agar mai zerodha me apna ac open krunga to kya, mere sare shares loss (डूब) jayenge???
👇👇👇👇+1
5paisa app me, mai 2 shares sell kiya tha 1/2 june ko, mere pas av tk koi paisa nhi aaya, aap help kr dijiye,mere sawal ka jawab de k sir plz 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏
Mere pas POA softcopy me h
Thank you so much Mukul Ji for sharing such invaluable knowledge to the society in such a beautiful manner....
Thanks for video. I find your video knowledgeable.
Wanted to ask one question - If we opt increase tenure (no option to pay now) and pay 1 emi extra every yr , I think this will also work, please suggest.
Very detailed and i agree, i have invested in share market after looking at the market and planning to pay the amount one time with interest once the market is up.
Informative video as always thanks Sir...
Please make video on live demo future and option and chain🙏. And explain in detail of live demo. Please fulfilled my dream.
Sir biggest opportunity in the history of the world ... This reccetion sir.....ek video on...... Kaise mandi me debt ka use kar ke real state me invest karein ..after ressetion hamlog kaise jayada profit bana payein step by step... Plzzzz aaj har youth ka question
Hai sir plzz make sir....... Thanks sir...
Hi I have a doubt regarding PPF. Can I start from next, will it be a good option because actually we should start from April but because of lockdown I wouldn't start so should I start from coming month??? Please reply. Thank you.
Very important information share
Thank you sir please more videos on commercial vehicles
Abhi jaisa ki interest rate kam hua hai, to kya loan ko refresh karna faydemand hoga ?
U r perfect knowledge distributer, sir,,salute🙏
Hi sir how can I transfer power of attorney into Registry ,could you help me please
Thanks for clearing all the doubts I had about it. It's easy for me to now decide.
Keep learning :)
Thanks for vdo.. can u plz make vdon calculator on moratorium benefits considering -1.interest rate reduction in future..
2.if we make NSC /fd for the EMI amount..
And increased interest-nsc/fdinterest
Which will be better to opt/not opt moratorium...
Well Explaining of moratorium
But till now!
If aap credit card pr statement ka payment nh krte toh apko current outstanding pr penalty lgegi according to banks interest .only apko other fee nh lgegi i.e late fee and cbi pr impact nh pdega.i.e apka current statement 5k ka hai or statement generate hone ke baad apne 25k ki purchasing ki toh complete 25k pr penalty lgegi . it's better ki aap pay kr de jitna jada pay kre
Sir,
yours calculator is really helpful
Can you please share the same calculator where we can understand our upcoming EMI details separately principal out standing and interest rates separately
Thank u, I was searching for this advice, as my sbi bank automatically gave me the moratorium without my consent and I was confused what to do
Sir, bank has granted homeloan with 18 month forced moratorium and if I want to start EMI pay fROM startdate, will there be additional charges?
Hi Mukul ji am your regular viewer and subscriber too. I want to know that I have belagani plot inherited in village on which we already build two story home and we want home loan for completion, we are not getting loan bacause of land reciept.. is it possible to get home loan sanctioned on my other plot and complete the construction on belagani plot. Pls suggest your opinion. Thank you.
Sir , very informative. Can you please advise me what is sdr? In currency
सर कुछ लोग मोरटोरियम नहीं लेना चाहते लेकिन उन पर जबरदस्ती थोपा जा रहा है बैंक मैनेजर ही है चेहरे के ऊपर से ही बंद है प्याज कैलकुलेट नहीं हो रहा हम आपके लोन की किस्त कैसे काटे यदि आपकी लांगेस्ट काटी जाएगी तो वह एडवांस माना जाएगा ब्याज फिर भी नहीं कटेगा
Mera Loan Sbi me he ROI 7.3% kya me Moritarium ka benifit le ke, EMI AMOUNT kisi or bank me FD kar saqta ho, Mera Loan amount 35.5L he , muje after 1 year kuch paisa lagane wala he, Mera ye amount Top Up loan ke sath he , kya me moreterium ka benifit le lu ya FD karu , Kuch bank me 8 % Interest mil raha he
Sir got a question which one is better mutual fund or stocks where to invest as i have a longterm goal so want to know where i can make good money in next 20 yrs?? pls suggest.
Hi sir,
Can you please clear my doubt.
So let suppose i invest 15000 SIP every month in equity for 10 years and it generates a profit of 50% annually and then it became ₹3600000 and if i sell fund of 1000000 then will i get the profit of 50% on 2600000 (SIP Further continues).?
Hi Mukul Ji,
Moratorium was declared in the last week of March and you are sharing such an important information now.
Please suggest if somebody has opted moratorium but want to quit that in between, what's the procedure and should somebody do that? Please show an analysis of the same.
Will I have to pay monatorium interest if I pay full outstanding principal at the end of the monatorium period?
Sir, Many car companies are giving options of reduced EMIs due to cash crunch. Is there any benefit in it? Please make a video on this topic too.
Kya lock down period me bhi bank non mantanace charge laga sakti hai
Sir groww app ke vare main video banaye kya uspe nibesh karna chahiye ya nehi
Sir Mera Loan SBI me he , Muje 1 sal bad kuch paisa lagane wala he , muje suggest ki je ki agar me abhi me EMI amount ka FD karata hu to or muje FD pe 9% Interest he, to kya muje EMI paid karana chahiye ya FD continue karana chahiye
Sir, agar moratorium 3 months ke liye fir se extend ho gya hai, to hame EMIs ke remember sms kaise aa rhe hai, jo ke 2nd june ko due hai????
I am not availing moroirium option my issue is __keeping same Emi I am not getting benefit whenever bank rate changed by RBI _. Effect of same should be given by reducing repayment schedule SBI not passing benefit. Pl clerify
Hi sir mere loan Ka EMI me sirf interest hi ja Raha he principal Nahi cut Nahi ho Raha he ,is situation me kya Sahi rahenga .
10:17 He explained how There is no considerable increase in EMI in this case 😑😑
Meanwhile Engineers be like:
Ooo bhai ye toh hamari 2 month ki salary hai 😒🤧😭😭😭😭😭
JIT(Jandhulal Institute of technology) se engineering kiya hai kya? 😁
Sir agar Mai car, or bike ka loan bharu hi na or mere jaise lakho log Jo nahi bhar pa the hai to automatic NPA ho jaega? Kya Mai Vijay malya ban sakta hu?
Hi sir first comment I have taken gold loan for 120000 for 3 yes my emi is 3903 per month interest rate is 8.25/ so sir if I opt for monotorium from June to Aug then how much interest more I have to pay please calculate I m confused need help
If we have opted Moratorium period with option of tenure extention but paid bulk of amount as a part payment in regular interval, Do still we need to pay large amount of accumulated interest during Moratorium period as you have calculated?
Hello sir,
At the time of taking personal loan interest rate was 14.25%, now while selecting moratorium for 3 months the rate of interest showing 24%.
So I am confused regarding this can you the clarification plz
Sir I have taken credit card moratorium of axis bank during April and paid the emi 19000k. But I talk to customer care he say me moratorium period increase August 2020 and will be given payment between after August total emi with interest. But I’m not paid. Why? I have not t&c known that time. Plz help how can increase time period.
Suppose me 6 months ka moratorium le leta hu aur me EMI same rakhu uske bad suppose meri total EMI years 25 ho gyi but mere pass agar paise ka bandobas ho jaye aur me 5 years k bad pura loan bhardu to ye 6 months ka moratorium lena sahi ya nahi?
very informative and very well explained video👍
Thank to mom and dad still I m able to pay emi 🙏🏻and thanks to asset yogi for such help full info on every financial condition
Sir kya Govt Employees Intraday Trading kr skte hai....plz rply sir....
मैं बीआरकेजीबी राजस्थान बैंक में गया था परंतु वह एमआई लेने के लिए तैयार नहीं है जबरदस्ती मोरटोरियम थोप रहे हैं क्या करूं बैंक वाले कह रहे थे कि यह ऊपर से ही बंद है हम क्या करें यदि आप अपना एएमआईपी करेंगे तो वह एडवांस माना जाएगा जब तक ऊपर से ही यह माई ने काटी जाए ब्याज सहित जमा नहीं हो सकती
Mera bhi aisa hi problem hai. Kirpiya sojhaw de.
Very helpful malikji
Sir Mera loan period already 30 years hai. Kya mai loan amount ke tenure aur increase ker sekte hai Kya?
Bhai ... moratorium service activate ki toh interest utna hi lgega jitne pr loan liya tha i.e suppose 10% pr loan liya toh same interest lgega.or emi 12 ki over na ho kr 15 months ki ho jaege agar 3months ke liye apply kiya hai toh
Thnx for this video...But I thing es topic pe video agar starting me hi banate to bahuto ko fayda hota...
2 lakh lone ta, aor 8410 EMI ta, aor Lockdown ke time 2 month ka nhi kar paye, ab uska 3 month ka EMI increase kar diya, kya ye Rules ke according ya hmasye (Home credit india) company extra charge laga rhi h
Please answer sir
Sir, I have transferred the EMI amount in principle, please suggest it's benificial for future.
Please explain bankers cheque and demand draft including distinction between them.
Sir you have simplified the concept as always u do... You are great indeed!!!!!Best wishes
Thankyou Prashant :)
Very well explained...👌👌👌👌
can i opt for Moratorium and pre pay principal with same amount later?
What if a person has received PMAY scheme in between ...then how it should be calculated....??
Sir,plz make a video about hybrid fund and balanced fund?!I have no idea about these finds so plz make a brief video about these.... portfolio main kiya yea fund add karna chaihe....
Can you make video on which types companies can be listed in IPO ???? And people who are giving service to people can also be a listed as well???like a lawyer wants to inhance his firm can he do it by registering IPO??
Sir mera home credit se loan hai 1 month nahi de paye next month me 2 month ka ek sath de diye hai. But bank se 590 and 590 2 times kat gaya hai. Wo wapas kaise hoga. Bank ne mana kar diya ki wapas nahi hoga. Kya kare
Thnx Sir...U.solve my Big .. Confusion
Keep learning :)
Helpful sir😊