2 से ज्यादा हैं बैंक अकाउंट तो कराएं बंद, वरना होंगे कई नुकसान | Disadvantage of multiple account

Disadvantages of multiple saving account 2022. Income Tax Tension and loss of Money. DICGC 5L Security, A/C opening due to higher FD rate in new Banks, Income Tax 10L High value transaction limit, Different A/c for home loan, Salary A/C - Non-Closer post employment change, Joint A/C with Family - You also have liability.
#SavingAccountDisadvantages #MultipleBankAccount #AccountsinDifferentBanks
किन देशों में मिलता है India से सस्ता सोना - • किन देशों में मिलता है...
SBI के कैश निकालने के बदल चुके हैं नियम - • SBI के कैश निकालने के ...
BANK में FD है जान लें ये 6 नियम वर्ना हो सकता है बड़ा नुकसान - • BANK में FD है जान लें...
11 High value transactions जोकि Income tax track करता है 2022 में -
• 11 High value transact...
Disadvantage of multiple account
Maintaining minimum balance - Loss of money
Money gets locked and not available for self use (some bank ask for 10-25K as AMB)
Loss of earning higher interest rate opportunity in FD or other investment option (4% saving interest vs 8-10%)
Penalty in case of non maintaining minimum balance - sometime bank change rule and charge penalty.
Always maintain one permanent account in Gov Bank - low MAB
Link all your home load EMI, ECS PF account to this account
Open FD without saving account if service available
In case not possible then open A/c without debit card if purpose is only FD (high interest rate)
Close A/c as soon as FD purpose is done
Close a/c after change in job
Maintaining two account is fine

[@kunalshah2331]

With all due respect i agree to your points but with 3 4 accounts we can have better financial management..we can choose bank that provides Virtual debit card AND 0 BALANCE..so we have to only bare sms charges . 1. Salary 2. Investment in mf,ppf,emi 3. Emergency Fund + FD 4. UPI 1,2 can be clubbed..but for better fund management we can keep 4 accounts

[@Mohitz08]

If DICGC increases the limit from 5L to higher limit ,then probably people may not have more number of accounts. On one side we say govt banks are safe but no one takes responsibility beyond 5L, how long one can live in 5L..may be 1 year.... banks pay premium to DICGC from our money only...if any bank really claims that they are safe,then they should come forward and raise that limit to a higher number..they will definitely get huge number of new customer and money

[@arvindturwankar3024]

Correct

[@harshpaliwal9062]

I am agree, but so-called KZbinr never increase awareness

[@vishalberi1259]

If I have opened online fds in axis and indusind banks without opening saving account than still I got 5 lakhs of RBI guarantee for both the both the banks seperately

[@jagdishgusani]

Yes

[@Super-x5x]

Mere to total 7 Banko mai Account hai 👍

[@stockadvisor4211]

Sahi hai

[@jenndy]

Tumara toh banta be hai...Guju jo ho.

[@pankajpysio5439]

Good evening sir thanks for such an fruitful & valuable information . I invested in SBG when you enlighten it I have Sukanya, ppf also. Now I want to start SIp. Please guide me how to start

[@jagdishgusani]

Good. But cibil score is not effected by non maintaining minimum balance in savings account. Plz rectify. Video is good

[@dushyantsarvankar1338]

Hello...can you make video on new SGB series? Should we need invest on current series or wait for next series

[@nileshgarg7608]

Very informative 🙏

[@pradeepsagar4607]

Very good information sir Thank you

[@soniasonu5140]

Thanks sir ji for valuable information

[@pramoddikshit8971]

Mera 4 bank account hai aur sb government lekin mai sirf 2 m hi transaction kr pa rhi hu ye btaiye ki baki 2 ko close kr du ya as it is rhne du . Salary a/c khula tha

[@amitjain8122]

Sir please comment on yes bank AT1 bonds, any idea bank will pay the money back

[@PremSingh-fk8ow]

Then how can secure money in some banks. Said purpuse we open multiple ac it increases burden on both but succeed in insurance. So bank should increase lt so that avoid unnecessary load

[@sharadchandradhole8935]

सर, अगर किसी सरकारी बॅंक ने डेबिट कार्ड दिया है और आप उसे इस्तेमाल नहीं करते हो तो क्या वो सरंडर किया जा सकता है? कृपया बताएं। धन्यवाद🙏

[@RajendraPrasad-lz3jm]

Bilkul

[@SahajInfo]

Yes

[@murarilalkhetan5457]

Pl intimate me Security of money in account in case of bank default. Maximum security for account holder. MAXIMUM RISK. FOR ACCOUNT HOLDER.

[@vijaymalhotra6612]

Very poor reasons for not maintaining multiple accounts.

[@rahultandon8125]

Yes

[@jamunasingh321]

Very nice nformation given about savings account.

[@cipetstudents3705]

Sir NRE अकाउंट के पैसे को पोस्ट ऑफिस के स्कीम में जमा कर सकते हैं क्या, रुपए मैं- cashmoney ले सकते हैं क्या,

[@skk4511]

Do we get back the locker rent on surrender of locker for unutilised quarters. Please update specially in BOB

[@sudiptasudipta7179]

Sir I wait Ur tomorrow next video regarding gold......

[@VikasKumar-tm2so]

Jyda bank account opened karne se cibil score par farak padega ya nahi

[@dharmeshsanghavi56]

Iam hereing account with Sarswat Co Op Bank Ltd Is that come in Reserve Bank norm ???

[@AfreenKhan-uh3jw]

Punjab National Bank

[@mathswithsssir9007]

Sir आर्थिक मंदी से gold price मे क्या असर होगा?

[@siddheshshirke3387]

Plz tel whether Ujjivan Small Finance Bank comes under DICGC

[@deepakbajaj4945]

Sir union Bank of India rbi or dicgc undr ata hai ya nhi

[@dasdas7091]

Please let me know if Standard Chartered bank is insured by RBI

[@pramoddikshit8971]

Kya bank a/c close krne ka koi charge lete h canara bank m ( government) bank m ?

[@nehakapoor824]

Sir G har ek Bank me ye rule compulsory hona chahiye ki nomination zarur kare nhi toh fir kisi ko pata nhi chalega ki kis Bank me Paisa hai or agar kuch ho jaye toh fir Sara Paisa nominee ki milne bhi dikkat nhi ayegi toh govt me ab ye rule compulsory karna chahiye ki har ek Bank me koi na koi nominee zarur hona chahiye...

[@subashchandrapandey6103]

Central Bank óf indía salary àcctt SBI bank ofndia ki sthiti bataiye

[@neelamdwivedi5436]

BOB में भी minimum balance maintain करना होता है ?

[@kamalsingh-gi7oo]

Sir Nice Information From you Sir Which Bank is Providing Saving 5% Please Tell Sir FD Intrest or increase Honge Please Made New video About FD Which Bank is Giving Higher FD intrest Rate

[@aaganbadi1]

kzbin.info/www/bejne/emrNlmWGnpZ_qNU Highest fd new video June 22.

[@jenndy]

Post office saving bank

[@sanjeevbansal373]

Axis, HDFC, Yes

[@pushparajsingh3130]

AU Small Finance bank or IDFC First Bank

[@sursadhna9242]

बहुत अच्छी जानकारी दी आपने थैंक्स 🙏🏻पर जो आपने कहा बैंक 5lac की गारंटी लेता है तो sscs मे बैंक 15lac कैसे सेफ है प्लीज क्लियर करें 🙏🏻

[@ashtiashi6431]

Please confirm whether following banks come into RBI for savings account

[@soniasingh4313]

BOI,SBI,HDFC banks .r they safe under RBI

[@recallgeek1118]

BOI, SBI, HDFC these banks are safe. Don't worry.

[@bhagatstudyclub7961]

Bob ?

[@pradyumnabrahmakshatriya6747]

Multi pal a/c se fayda hai . kisi aria strike affected hota and emergency ho to another bank account se cash withdrawal kar sakte hai

[@nabanishant3419]

Sabhi bank account agar income tax govt ki najar mai to fir froad karke account se paisa uthata hai kya unka account najar mai nahi hai kya ...koi case kiu nahi hota hai.

[@aqbalsiddiqui5425]

HW abt being a joint account holder, wll that b also treated as an account for IT purpose?

[@learninspire308]

If we invest money in 4-5 post office schemes, is it a matter of concern?

[@jagdishgusani]

No

[@ishkumar8009]

Sir, could you mention bank names which provide fd facilities without opening saving account?

[@SG-et6hr]

Indusind bank me khol le bhai.

[@rahultandon8125]

Ujjivan Small Finance Bank

[@farukh_rationalist]

Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga. Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..

[@shwetasharma8093]

Unity SFB

[@nimaincharanlenka1458]

Sir, please describe of premature with draw of KVP.

[@kavitatahiliani6831]

Aaplog pahle aapasme faisla kijiye k jyada acct rakhne chahiye ya nahi? Kyonki kisi aur n kaha k 5 lac insurance hota hai. To bankruptcy k nuksan se bachneke liye zyada acct.kholen

[@snappywriter]

एक सीनियर citizen हैं और दूसरा genernal citizen है तो joint अकाउंट में किस हिसाब से एफडी रेट मिलेगा सीनियर citizen केे हिसाब से या genernal citizen केे हिसाब से

[@baljitkaur-ii6mx]

Thanks 🙏

[@jitendramodi1508]

What is your opinion about joint savings account with second name?

[@sureshasnani4199]

For nre for filing of returns with no taxable income presently CA is asking for individual separate mobile numbers for different accounts which till now was registered to one mobile only. What is the way out for nre who don't have India mobile number . How does he file the returns just for continuity

[@satishsharma-pt6bf]

Please intimate whether The Postal and RMS Coop. Bank Ltd. Ambala Cantt is in list of DICGC

[@jagdishgusani]

If a bank pays Insurance premium to dicgc than only your deposit comes under insurance

[@rohanraj2905]

1:- Sir Bank of India ke account se bhi kya gov 5 lakh ke oopar ka paisa nikaal sakti hai? 2:- BOI se ek baar me cash kitna nikaal sakte hai...?

[@damandesignerstudio8375]

Sir auto sweep from k bare me bhi btaye

[@TrueWordLov]

Indian bank..ke baare me btayen??

[@SahajInfo]

Yes - its under RBI

[@debanandsinha4609]

Jana small finance Bank facility for 5 lakhs facility available?

[@tapabratadas8911]

Sir ekbar applog DICGC kaa rule bolte hoo , dusra app log bolte hoo 2 savings account rakne ke liye. Very confusing, pls clarify.

[@zenmilind]

Don't listen to them. I have 10 Bank accounts. Almost all are zero balance accounts. Can manage all acounts from Mobile. No need to go to branch.

[@sambaransarkar4519]

@@zenmilind well said 👍. But in which banks you have zero balance account?

[@zenmilind]

@@sambaransarkar4519 Kotak 811, Axis ASAP, PayTm, Jio, NSDL, AU, Airtel etc are zero Balance accounts... Suryoday Small Finance Bank, Jana, Equitas I have to keep 1000 Rs balance.

[@sambaransarkar4519]

@@zenmilind thanks

[@spsingh6527]

Managing of many accounts is not too difficult. There is guarantee of 5 lacs only. If a person has one crore and only account in one bank, bank fails then who will give him after 5lacs.Please reply definitely otherwise don't make this type of video.

[@soniasingh4313]

Yes Bank, panjab national bank. panjab nd sind Bank. R they safe

[@nkroy4912]

Any bank listed in the link is safe but Public sector banks are more safer than unknown pvt. One name account is safe upto 5 lakhs (savings acc, fd, Rd etc including) per branch.

[@navalmehta5326]

NRO KE DO A/C YA NRE KE DO A/C HAI TO PARESHANI HAI ??REPLY DENA HAI ??

[@bhupendersoni4927]

thank you sir

[@soumyajitchowdhury2807]

agar zero balance account open kiya jata hain 5-6 banks main, DICGC ke facility ke lie toh problem hoga kya, agar each bank main 5L ka fd karu toh

[@SahajInfo]

No issue

[@maltisayal9315]

Sir mera ek PNB account hai chd me dusra bank of baroda ka or ek joint h account h wo b Baroda m

[@abhisheksdhand]

Punjab and Sind Bank is under RBI/DICGC ?? please suggest

[@ekshunya8019]

Dombivli Nagari Sahakari Bank & The Cosmos Co-op Bank - are these banks covered under RBI rules ?

[@anindakhanra4925]

Sir, Bandhan bank

[@SHUBHAJIT6]

Sir aap bole the mutual fund k video layenge but not bringing the same

[@charanjitsingh8288]

Sir psb bank mein ek joined account hei kia ham ek singal account open kar sakte hei

[@ashtiashi6431]

HDFC TOO

[@sudiptasudipta7179]

Sir Aapka stock and mutual fund related video Monday ko aane wala tha kya hua sir ..Nahi aaya....kab tak aayega

[@SahajInfo]

I am put of station for vacation. Will bring video next week Sorry for confusion

[@sudiptasudipta7179]

@@SahajInfo it's ok...sir

[@AshwaniDakshHarsh]

Sir 15G form fill karne ke baad FD interest agar above ₹40000 ho toh kya tab bhi TDS deduct hoga.

[@SahajInfo]

Nahi tab nahi hoga

[@ChandanSingh-ug9kj]

Sir serwe gramee Bank RESPONSED BY PUNJAB NATIONAL BANK MAI RUPEES SAFE HAI

[@samaiyrakhan4843]

Bank of india Bank of maharashtra Central Bank of india Oriental Bank of commerce SBI Canada Bank Hdfc Axis Kotak ICICI Bank of baroda Sir Ye sare banks RBI k insurance m ate h kya? Ye Bank

[@nkroy4912]

That's not Canada Bank it's Canara Bank

[@samaiyrakhan4843]

@@nkroy4912 just a typing mistake Answer my question

[@homeoonehealthcare14]

SBi,Bank of baroda, PNB,Union bank

[@tasyus]

Sir es Wednesday ka video nahi aaya kyu?

[@tuhinduttachowdhury5052]

Pl.inform us that which privte banks allow to open FD without opening a savings account at their bank.

[@farukh_rationalist]

Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga. Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..

[@bhimraokore3793]

अगर बँक डुबेगी तो 5 लाख का इन्शुरन्स मिलता है। इस लिये 4 से 5 अकाऊंट जरुरी होते है।

[@ashtiashi6431]

LIKE AXIS BANK, ICICI BANK OR YES BANK

[@tejaltejal2441]

What about post office account...

[@bikramjitsingh9446]

Punjab and sindh bank bare

[@abhilashppuranik6612]

SBI , HDFC and indusind bank are secured for 5 lac, please confirm.

[@GurnamSingh-pk9ix]

Sir good morning sir maine cantral coopretive bank me fd ki thi FD maturing ho gei hai par mujhe paisa nahi mil raha bank wale kahte hai ki RBI se releese nahi hui hai please koi Marg bataye

[@AshishKumar-rh2io]

How to close two ppf account. Please guide us

[@Ur.Cristiano007-official]

Cibil score do not reflect from saving account

[@sayyedubaid39460]

Sir devolepmet cradit bank kesa h .

[@davindergulati8653]

Good evening 30 jan 23 ko 60 year Complete abhi Senior citizen ka benefits le sakte hai

[@davindergulati8653]

Sir kuch puchhna chahte ho tab comment box se alag puchh sakte hai

[@SahajInfo]

you can benefit of Tax benefit for this financial year but extra FD interest will be applicable post 30th Jan 2023

[@shobhnafulgaonkar5160]

Mera saraswat bank me hai to kya surakshit hai?

[@farahdeeba3459]

Sir bank of baroda , union Bank and sbi RBI se registered h

[@SahajInfo]

Yes - all are safe Bank

[@PremSingh-fk8ow]

Asyou know due to insurance for rs 5lac in one ac that why open multiple

[@surekhaanand9116]

Sir last week aapka video silver se related nahi aaya kyu pl video banaye silver per

[@rahulchhajed1658]

There is no effect on cibil score issue with respect to minimum balance... please correct

[@kd4607]

अगर कूछ कारण वश पाच साल या उससे ज्यादा साल तक रिटर्न नही भर पाते है तो क्या करना चाहिए?

[@Rajesh-pw9jd]

Mere 2 bank only account h. Koi darr to nhi h.

[@jitendramodi1508]

Agar kisi bhi saving account me dusara nam account me hai to uska kya disadvantages hai?

[@dadakmch]

What about utkarsh small finance bank...is it 5lak or 1lak

[@krishnainformation5610]

20 se 25 hone chahiye koi problem nhi hoti

[@ananyasortsfunn2578]

सर मेरा एचडीएफसी में है तो क्या सेफ है

[@sangeetarajani1616]

Canara Bank and Karnataka bank kya safe hain sir

[@SahajInfo]

Yes - Both are safe

[@sangeetarajani1616]

Thank you for the reply sir

[@sumanjoshi7053]

Sir kodak mahindra bank and punjab sindh bank under in RBI

[@mutualfundsportfolio]

i have 3 0 balance savings account

[@dilipshah1753]

Bank of Baroda & post office pl. Reply

[@alvinajoseph3616]

Sir mere 2 account 0 Balance hai eak account saving hai mujhe bhi nuksaan hai kya

[@stockadvisor4211]

Nahi

[@shubhampowar7437]

State Bank of India