FD kya hota hai? Or best fd kaise chune
fd ka full form fixed deposit hai. yah ek tarah ka nivesh hai jismein aap ek nishchit samay ke liye ek nishchit rupye ki matra bank mein jama karte hain aur bank aapko iske badle ek nishchit rupye ki matra mein byaj deta hai. fd ek surakshit nivesh hai, kyunki bankon ko fd ke paise sarkar se surakshit kiye jaate hain.
fd ke kuchh fayde is prakar hain:
suraksha: fd ek surakshit nivesh hai, kyunki bankon ko fd ke paise sarkar se surakshit kiye jaate hain.
byaj: fd per aapko ek nishchit rupye ki matra mein byaj milta hai.
sarthakta: fd ek sarthak nivesh hai, kyunki isase aapke paise badhate hain aur aap bhale hi kuchh samay ke liye paise ko rok den.
lichidity: fd ek lichid nivesh hai, kyunki aap fd ke paise ko jarurat padte hi nikal sakte hain.
fd ke kuchh nuksan is prakar hain:
kam byaj: fd per milne wala byaj bankon ke pass maujud paison ke liye diye jaane wale byaj ki tulna mein kam hota hai.
ek tarah ka nivesh: fd ek ek tarah ka nivesh hai, kyunki aap fd mein sirf ek nishchit rupye ki matra jama kar sakte hain.
ek nishchit samay: fd mein aapke paise ek nishchit samay ke liye jama rahte hain, aur aap is samay ke dauran paise nikal nahin sakte hain.
fd kisi bhi vyakti ke liye ek achcha nivesh hai jo surakshit nivesh dhundh raha hai aur jo apne paise ko ek nishchit samay ke liye rokna chahta hai. fd gharon ke liye paise jama karne, retirement ke liye paise jama karne ya apne bacchon ki shiksha ke liye paise jama karne ke liye ek achcha vikalp hai.
FD chunte samay, kuchh baton ka dhyan rakhna chahie:
byaj dar: fd chunte samay, sabse pahle un bankon ki byaj daron ki tulna karen jo fd pradan karte hain.
samay parivartan: fd mein aapke paise ek nishchit samay ke liye jama rahte hain, isliye yah sunishchit karen ki aap jo samay parivartan chunte hain, vah aapke liye sahi hai.
liquidity: yadi aapko jarurat padti hai to fd ke paise ko nikal sakte hain ya nahin, is baat ka bhi dhyan rakhen.
anya fayde: kuchh bank fd per anya fayde bhi pradan karte hain, jaise ki tax rebate ya ek free accident insurance cover.
fd chunte samay, aapki jaruraton aur lakshya ko dhyan mein rakhna chahie. yadi aap surakshit nivesh dhundh rahe hain aur jo apne paise ko ek nishchit samay ke liye rokna chahte hain, to fd ek achcha vikalp hai
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