Types of Accounts :- खाते दो प्रकार के होते हैं सेविंग और कर्रेंट
- Saving Account ब्यक्तिगत खाता होता हैं और इसपर Interest (ब्याज) मिलता हैं और पैसे निकालने की लिमिट होती हैं 3 माह में 12 बार लेन देन कर सकते हैं | यह जीरो बैलेंस से खाता खोला जा सकता हैं QAB(Quarterly Account Balace) Rs 500, एटीएम व चेक लेने पर QAB Rs 1000 होना आवश्यक हैं |
- Current Account यह एक बिजनेस मैन का या किसी कंपनी / संस्था / ट्रस्ट / सोसाइटी / का खाता हो सकता हैं इस पर ब्याज नहीं मिलता हैं और पैसे जितनी बार चाहे उतनी बार निकाल व जमा कर सकते हैं | यह QAB रुपये 5000 से खाता खोला जा सकता हैं | यह कई प्रकार के होते है
SBI व प्राइवेट बैंको में रुपये QAB Rs 10000 व 10000 से ऊपर में खुलेगा |
नोट - QAB मेन्टेन न करने पर 625+STax व Keeping Charges on Current account के रूप में Rs 550+STax*/ वर्ष लेते है |
Recurring Deposit
एक एसी सुविधा है जिसमें आप थोड़ा-थोड़ा करके हर महीने निवेश कर सकते हैं | इसमे न्यूनतम 100 रुपए और अधिकतम 1 लाख रुपए हर महीने जमा कर सकते हैं। इसमे जमा करने की न्यूनतम अवधि 6 माह और अधिकतम 10 वर्ष की होती हे, जिस राशि पर आपके 6.5 से 9 प्रतिशत तक का ब्याज मिलता है।
| Banks | 1 Years | 2 Years | 3 Years | 4 Years | 5 Years | 5+ Years |
| Allahabad Bank | 7.25% | 7.35% | 7.25% | 7.25% | 7.25% | 7.25% |
| Andhra Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| Axis Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.25% |
| Bandhan Bank | 8.25% | 8.25% | 8.00% | 8.00% | 8.00% | 7.75% |
| Bank of Baroda | 7.30% | 7.30% | 7.30% | 7.30% | 7.30% | 7.30% |
| Bank of India | 7.30% | 7.30% | 7.30% | 7.30% | 7.30% | 7.25% |
| Bank of Maharashtra | 7.60% | 7.50% | 7.50% | 7.50% | 7.50% | 7.25% |
| Canara Bank | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | 7.50% |
| Catholic Syrian Bank | 7.40% | 7.30% | 7.30% | 7.30% | 7.30% | 7.30% |
| Central Bank of India | 7.60% | 7.60% | 7.25% | 7.25% | 7.25% | 7.25% |
| City Union Bank | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | 7.50% |
| Corporation Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| DCB Bank | 7.90% | 8.05% | 8.10% | 8.10% | 8.10% | 8.00% |
| Dena Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.35% |
| Dhanalakshmi Bank | 7.35% | 7.25% | 7.25% | 7.10% | 7.10% | 7.10% |
| Federal Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| HDFC Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.25% |
| ICICI Bank | 7.40% | 7.50% | 7.50% | 7.50% | 7.50% | 7.25% |
| IDBI Bank | 7.75% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| IDFC Bank | 8.00% | 7.75% | 7.50% | 7.50% | 7.50% | 7.50% |
| Indian Bank | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% |
| Indian Overseas Bank | 7.30% | 7.00% | 7.00% | 7.00% | 7.00% | 7.00% |
| Indus Ind Bank | 7.75% | 7.75% | 7.50% | 7.50% | 7.50% | 7.25% |
| J&K Bank | 8.00% | 8.00% | 8.00% | 8.00% | 8.00% | 7.75% |
| Karnataka Bank | 7.75% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| Karur Vysya Bank | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% | 7.75% |
| Kotak Mahindra Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.25% |
| Lakshmi Vilas Bank | 7.80% | 7.90% | 7.90% | 7.90% | 7.90% | 7.80% |
| Oriental Bank of Commerce | 7.50% | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% |
| Post Office 5 Year RD | NA | NA | NA | NA | 7.40% | NA |
| Punjab and Sind Bank | 7.55% | 7.30% | 7.25% | 7.25% | 7.25% | 7.25% |
| Punjab National Bank | 7.50% | 7.25% | 7.25% | 7.25% | 7.25% | 7.25% |
| South Indian Bank | 7.60% | 7.60% | 7.60% | 7.50% | 7.50% | 7.50% |
| State Bank of Bikaner and Jaipur | 7.25% | 7.25% | 7.00% | 7.00% | 7.00% | 7.00% |
| State Bank of Hyderabad | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| State Bank of India | 7.25% | 7.50% | 7.00% | 7.00% | 7.00% | 7.00% |
| State Bank of Mysore | 7.60% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| State Bank of Patiala | 7.57% | 7.37% | 7.37% | 7.37% | 7.37% | 7.37% |
| State Bank of Travancore | 7.00% | 7.50% | 7.25% | 7.25% | 7.25% | 7.00% |
| Syndicate Bank | 7.50% | 7.30% | 7.30% | 7.30% | 7.30% | 6.75% |
| Tamilnad Mercantile Bank Ltd | 7.80% | 7.75% | 7.75% | 7.75% | 7.75% | 7.80% |
| The Ratnakar Bank | 8.25% | 8.75% | 8.50% | 8.50% | 8.50% | 8.50% |
| UCO Bank | 7.70% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
| Union Bank of India | 7.65% | 7.55% | 7.55% | 7.50% | 7.50% | 7.25% |
| United Bank of India | 7.00% | 6.75% | 6.50% | 6.50% | 6.50% | 6.50% |
| Vijaya Bank | 7.50% | 7.25% | 7.25% | 7.25% | 7.25% | 7.00% |
| Yes Bank | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% | 7.50% |
Recurring Deposit Interest Rates:
Following are the highest Interest rates on Recurring Deposits based on duration:
- For RD duration of 1 Year The Ratnakar Bank & Bandhan Bank offers 8.50%
- For 2 years The Ratnakar Bank offers 9.0% and Bandhan Bank offers 8.50%
- For 3 to 4 Years the best offer is by The Ratnakar Bank offering 8.75% interest rate
- For 5+ Years RD duration the best interest is offered at 8.75% by The Ratnakar Bank and 8.00% by Bandhan Bank & DCB Bank
- The Post Office offers 5 Year Recurring Deposit Scheme offering 7.4% interest rate.
All about Recurring Deposits:
- Most banks offer RDs for tenure of 6 months to 10 Years
- The tenure of RD can be in multiple of 3 months
- The amount of installment and number of installment cannot be changed after opening of the account
- The interest on RD compounds quarterly
- In most cases the interest rate on RD is similar to Fixed Deposits offered by Banks for similar tenures. However some banks like Bank of India gives 0.5% extra interest rate for RD as compared to FD for similar tenure
- The minimum deposit amount can be as low as Rs 100 per month, though some banks may have higher limit
- There can be penalty for missing even one installment.
- In case you miss multiple installments the RD can be closed and amount returned to you
- Most banks offer Loan/Overdraft against the amount available in Recurring Deposit. The interest is generally 0.5% to 1% more than that offered to RD.
- There are penalty clauses for pre-mature withdrawal similar to Fixed Deposits
Fixed Deposit
भारत में कई वित्तीय संस्थाएं और बैंक फिक्स्ड डिपॉजिट की सुविधाएं देते हैं. बैंकों द्वारा निर्धारित ब्याज दर 4 से 9.65 % के होते हैं. फिक्स्ड डिपॉजिट की अवधि कम-से-कम 7 दिन और अधिक-से-अधिक 10 साल तक की होती है.
फिक्स्ड डिपॉजिट के फायदे
1 इस पर बाजर के उतार-चढ़ाव का कोई असर नहीं पड़ता.
2. कुछ बैंक एफडी धारक को अलग से सुविधाएं प्रदान करते हैं जिसमें लोन / क्रेडिट कार्ड देने की सुविधा भी शामिल है. लोन पर लगभग 12 % तक ब्याज लगता हैं |
| Period | < Rs. 1 Cr | Rs 1 Cr to Rs 10 Cr |
| 7 day – 14 day | 4.00 | 4.00 |
| 15 day – 30 day | 4.75 | 4.50 |
| 31 day – 45 day | 5.25 | 5.00 |
| 46 day – 90 day | 6.50 | 6.00 |
| 91 day- 120 day | 6.75 | 6.25 |
| 121 day to - 179 days | 6.75 | 6.50 |
| 180 days | 7.00 | 6.50 |
| 181 day to | 7.50 | 7.25 |
| 1 year | 7.65 | 7.30 |
| >1 Year - 3 Year | 7.55 | 7.00 |
| >3 year - 5 Year | 7.50 | 7.00 |
| >5 year - 10 Year | 7.25 | 6.75 |
Types of Loan and Overdrafts
- Lone- बैंक का दूसरा महत्वपूर्ण कार्य ऋण देना हैं यदि बैंक एकमुश्त रुपया उधर देती हैं जिसे पूर्ण रूप से चुकाए बिना ऋण का अंत नहीं होता तो उसे ऋण कहते हैं
टाइप्स of लोन
1 Personal Loan
Child Loan
Education Loan
Medical Loan
Marrige Loan
Home Loan
Vihikal Loan
2 Business loan - Overdrafts यह सुविधा बैंक द्वारा अपने निक्षेपदाताओ को अल्पकालीन अग्रिम रूप में दी जाती हैं चालू खाते में ग्राहक का जितना रुपया जमा हैं उससे कुछ अधिक निकालने का अधिकार दे दिया जाता हैं अधिविकर्ष की सुविधा अल्पकालीन होती हैं जो केवल रुपया जमा करने वालो को दी जाती हैं , और इसका लाभ बैंक का कोई ग्राहक उठा सकता हैं | यह सुविधा प्रधानमंत्री जन धन योजना में Rs 5000 तक उपलब्ध है
Personal Loan
Loans can also be subcategorized according to whether the debtor is an individual person (consumer) or a business. Common personal loans include mortgage loans, car loans, home equity lines of credit, credit cards, installment loans and payday loans. The credit score of the borrower is a major component in and underwriting and interest rates (APR) of these loans. The monthly payments of personal loans can be decreased by selecting longer payment terms, but overall interest paid increases as well. For car loans in the U.S., the average term was about 60 months in 2009.[citation needed]
Commercial Loan
Loans to businesses are similar to the above, but also include commercial mortgages and corporate bonds. Underwriting is not based upon credit score but rather credit rating.
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