How to Select the Best Fixed Deposit | Everything About Fixed Deposits (FD)

[@amitanand6603]

DHFL was also having very good rating. But sab doob Gaya.

[@sweetaaroshi7459]

Doob gaye

[@KashyapArk1]

Summary 1. Not suggest corporate bank 2. Not suggest corporate deposit except strong banks or NBFC - credit rating - AAA - owners reputed/branded 3. Withdrawal conditions 4. Frequency of compounding (quarterly/half yearly/annual) 5. Returns PNB housing finance - example

[@amitrohilla2733]

Really sir... Aap ki knowledge bhut acha asar dal rhi hai hmari life me..... Kafi kuch sikha hai aapse....... God bless you sir g

[@congenialjeet]

Pranjal Sir, short period of time ke liye money ko kahaan invest kare for better return Duration max.. 1 -2 yr And long time - 7-8 yr I want to know about your answer first. Please help ME. Ping me personally

[@silkrouteful]

Can you please make a video on debt funds like short term, ultra short or liquid funds (for more than saving account interest rate).. there is lot of confusion. Also please include taxation point of view as well

[@ritrohit49]

Boss there should not be any particular product endorsement if you really want to convey important message in public

[@x.y5832]

I can give you 9% pa (double than most of the savings account interest rate)

[@jhamendrasinha241]

@@x.y5832 how

[@vivekshukla5161]

As PNB Housing is your partner in advertise you gave its name. Can you please provide 4 to 5 another names with all details like rating, Compounding intervals, rate of interest, withdrawal conditions etc., Along with PNB which you have not given here. Thanks.

[@sanjayshukla3718]

Bajaj Finance , HDFC

[@poonamdinkar2146]

The way you serve the information regarding financial planning, multiplication, investment ........ So genuine & authentic, Gratitude! 🙏

[@hemantgoel7036]

Shri Ram Transport Finance is offering Good interest. Please advise should we invest in this company or not?

[@vishwanathsharma1952]

Very Good presentation, but take care viewer's interest only, not your partnership. On your advice, I am going to choose PNB HOUSING.THANKS.

[@gauravkirange5541]

Hi Pranjal, Thanks for sharing the valuable knowledge. Can u make a video on the below Q. As the mutual funds are taxable on the interest we gain from it. So the Q is...whether we should keep the mutual fund for long term say for 25 yrs or we should keep the MF for 5yrs and then again we have to invest the withdrawal amount with 5-5 yrs till 25yrs? Which is the good option?? Thanks in Advance 🙂

[@sainyamsharma1341]

I think jana small finance bank is better than pnb housing. Since amount upto 5lacs is insured by DICGC and it is also offering higher rate of interest

[@karanjadhavppp7076]

Nice video. Pranjal bhai plz make video on loan against fd. Kya loss hai aur kya fayade hai. Waiting for video🙏🙏🙏plz reply👍

[@adigautam6798]

Sir bilkul sahi bola hai fd ka matlabh hi safety hai

[@bishalrakshit30]

Sir mera 3 mutual fund he Sare he more than 15years k liye 1- Axis Blue chip fund Direct Growth. Sip-1000 2- Axis Small cap Fund Direct Growth. Sip-1000 3- Prayag parikh long term equrity fund Direct Growth. SIP-1000 4- Mirae asset emerging blue chip fund Direct Growth. S.I.P - 1000 Keya ye thik he

[@jaysrivastava6925]

Its nice and stable.. But because your investment is long term.. You can avoid axis bluechip and take large-mid cap like mirea asset bluechip emerging or multicap like kotak mahindra multi cap. This is my opinion.

[@GodsCreator21]

Great selection

[@madanlalmadan9519]

सर खाता बन्द होने के बाद अब पुरानी fD मिली है, अब ये विधड्रॉल नहीं हो रही है क्या करे ये 2005 मे मेचूअरिटी होनी थी और अब ये बैंक वाले तो कह रहे है कि उन को उस FD का रिकॉर्ड ही नहीं मिल रहा है जबकि बैंक में तो 1 - 1 रूपये का रिकॉर्ड होता है । अब क्या करूं मैं ?

[@akashsannyashi9570]

please make a video on high interest rates on FD's by various Small Finance Bank? Are they safe? What other options do we have, say for a Senior Citizen?

[@premshankar6195]

Travancore Urban Nidhi Limited is the highest interest providing NBFC in the time with 11.15 % for FD . You can contact there sales officer for more details : 6238292448

[@Malvikanarang3006]

7.45 % interest rates at au small finance bank

[@akashsannyashi9570]

@@premshankar6195 I think SFB are relatively safer than NBFC's

[@akashsannyashi9570]

@@Malvikanarang3006 I've opened an FD on North East Small Finance Bank @7.5%

[@odishaclasses9976]

Better u check digc.and go for small finance bank or payment bank which r insured.

[@kamaljain2038]

post office me NSC le sakte ho isme aap deduction le lo u/s80c me 5 years ka maturity hai,intrest rate v approx 8% mil jayega

[@subirghanty7748]

Correct

[@scentofthesea]

Hi Pranjal, While there are many products in the market which help us compare demat accounts, mutual funds, etc. It is very difficult to compare FDs today - one has to go to each individual bank's/nbfc's/etc. website to get the details and even in those websites information is quite cluttered. In the end, it becomes much easier to just create an FD with your existing bank, but we end up missing out on better returns out there. I wonder if you can include something in your finology one, which would help people compare FDs, etc. as well. Thanks! Grateful for your work!

[@poojapatil5485]

Would you advise students to invest in any mutual funds? Where they can save 1000-2000 from their pocket money, can you please a make a video about it?

[@purushotamsharma9483]

Pranjal sir, You are providing genuine information other than KZbinrs .kuch log to hawa me bate karte hai but aapki information hamesha kaam ki hoti haiii

[@rashmisingh5454]

Helpful video Thanku

[@manoharthorat5005]

Hey because of the lockdown rate have been decreased is it same with pnb housing ? Is it still a good choice after lockdown ?

[@onlinesaidasa9105]

Namaste For getting higher returns on Fixed deposits, investors can consider opening a fixed deposit with any microfinance bank. DICGC insures a depositor upto Rs 5 lakhs , hence even if a person were to invest Say 3 lakhs with a microfinance bank , his deposit would be secure. Thanks.

[@shivamnrutya]

in this video you showed PNB FD at 6.95% interest that means the money will be double in 10.3 year. But the more safer option is Post office KVP. it will be double in 10.3 year.

[@swadhin4you351]

Sir, main bohot kuch month seh aapka video dekhta hoon.. Mera ek simple sa question hai ki ''Nifty 50 toh ek index hai, jaha 50 stock hai, 50 stock ki share price jaha up down hota hai usse nifty bhi up down hota hai weightage ke anusar. Toh nifty ki close kaise koi particular level ki niche aur upor hota hai ? Ya koi yeh level thik kar deta hain? Please reply. I m eagarly waiting for your reply.

[@urvashisharma6230]

Sir make a video on where to invrst n safest option of investing

[@parthapahari6165]

Sir very good evening Kindly help me is it right time to invest in mutual fund and shall I invest in PGIM India global equity

[@debjani0222]

Hi Pranjal, just love your explanations and advice. Could you please create one video on FD laddering? Thanks in advance 🙏

[@abdulsattarkamalpuri1379]

सर मैं भी हाल ही में sbi netbanking से खुद से ही online FD किया हूँ, sucsess fully हो गया, लेकिन सर मन में एक डर है कि कहीं कोई धोखाधड़ी तो नहीं होगा मेरे साथ?

[@gauravg9731]

Kindly talk about Small finance bank, and point to point, we want to know whether FDs are safe or not and, if FDs are safe so what is the smart amount we should invest in FDs?

[@hansapatel8964]

Excellent,you speak politely, clearly and detail .

[@pranjalkamra]

Thanks and welcome!

[@hansapatel8964]

@@pranjalkamra Thanks for respond.If our PPF a/c matured after 15 year,then is it necessary to withdraw all amount,while we want to extend our PPF a/c for 5 year.

[@imdeep_7]

@@hansapatel8964 We can extend for more yrs without withdrawing.

[@shrikantsaroj5585]

I am watching your every videos, its really good & we get good info. I am disappointing with this video as other than this, there are lot of good option you can promote which gives good return like post office, NSC, RBI bond which also give good return & totally safe

[@koushik0919]

Nice video. Thanku. Can u suggest how much we should save for fixed deposit from our savings?

[@nimmysingh6866]

Honest,clear expression so thanks for true speaking 🙏

[@poonamdinkar2146]

How can we know about the frequency of compounding for a particular bank?

[@jensenjjacob]

Very informative video sir. Sir right now nifty PE is more than 27 and PB is about 3.6. Should I buy undervalued stocks for my portfolio or wait for the overall market to be undervalued ? Pls guide me Sir ! I'm 19 right now and have just started out.

[@samirsworld2570]

Hmmm Woh PNB gotala hua tha uspe bhi ek video banaiye sir .. uss video ko me sponsor karunga ....

[@ahmedahmedi6287]

Kindly advise which Small Finance Banks are SAFE & gives highest RETURNS ON FD's to SENIOR CITIZENS, in MUMBAI. THANKS

[@FatimaKhan-qi6xl]

Sir we can give you 9% returns on your investment risk free

[@ahmedahmedi6287]

@@FatimaKhan-qi6xl SALAAM, I WONDER, IF YOUR LADYSHIP CAN SPARE FEW MOMENTS FROM YOUR PRECIOUS SCHEDULE, TO SHED SOME LIGHT OF ON TOTALLY RISK FREE INVESTMENTS OFFERING GOOD RETURNS. PLS.REPLY. THANKS. ALLAH HAFIZ. FI AMAN ALLAH. BAARAK ALLAH FIQ.

[@FatimaKhan-qi6xl]

@@ahmedahmedi6287 fd is the safest of all But interest rate won't be any more than 6-8% I can give 9% at 0 risk and I have a signed agreement too Lock in period would be 1 year

[@dpzzzzzful]

Hi Prajnal, thank you for all your videos which are really informative. Can you please share a video on ULIPs, I already have equity and ELSS exposure and want to get really good info on ULIPs as I am planning to invest and also get insurance benefits. I have Dec 25th as last date for submitting investment proofs. Thanks a lot again :)

[@kalpeshbokde5836]

You didn't mention Post Office FD and for senior citizens SCSS FD... It gives higher return as compared to other... Money is also safe.. it's a central govt. department.. India post..

[@faisal_ahmad_0001]

I am a student ..aur mai kafi time se money save. Kar raha hu ...I have only Rs50 000 ..and I want to invest for my future so where should I invest.... Please tell me plz

[@salikramsrivastava1977]

Thanks to Pranjal for very good suggestion.

[@pranjalkamra]

You are welcome.

[@pokemonsakura1]

Sir, Mahendra financial services Kaise hai invest Karne ke liye? Uski rating bhi AAA hai, yadi invest karna hai to kitna karna chahiye, kaise karna chahiye? Aasha hai aap is query ka Jawab denge. Thanks.

[@anils7453]

Mahendra have lower ratings about Security as compared to with Bajaj Finserv. Please go with who have FAAA rating by CRISIL And MAAA rating by ICRA Which company have both is best for Investment like FD

[@pradipmukhopadhyay8046]

Sir, what about HDFC Ltd.. Is it better than PNB housing Finance?

[@DINESHYADAV-ok3oe]

Cooperative bank ache h sir ek do case me asha bolna ki sare cooperative bank kharab h thik nhi h

[@ajitkumaryadav1487]

Sir mujhe DCB bank aur Indsind bank me FD karna hai... To koun sa best hai... Aur agar bank dub jati hai. To ab kitne ka return amount limit hai... Jise pahele 1 lac tha abhi kitna hai...

[@niteshpatel8504]

Paytm bank giving 7% interest on FD annually.. is it safe?

[@gopalmittal4032]

ILFS YES BANK DHFL All were brands & rating was also good. So selecting PNB housing based on brand & rating would not be fair. Requesting you to share more measures which should be considered by an investor.

[@pranjalkamra]

The difference is it is a brand backed by the government

[@gopalmittal4032]

@@pranjalkamra thanks

[@nitinjain1234]

To accomodate sponsor, pranjal you completely skipped small finance bank, what about them? I'm getting very good interest rates in them and they are safe as well.

[@rekhmalikahuja]

Can you please tell me the name of bank

[@beemavala7535]

Fd vs insurance guaranteed plan 1. Fd is highly taxable. Maturity ke time aap jis tax slab me honge tax usi hisab se katega. 2. FD krte time aapko ek sath pura paisa dena padta hai. 3. Aapko aapke paise me interest add hoke milta hai. Agar is dauran aapko kuch hota to koi alag se benifits nhi hai. Dusri taraf agar aap insurance company ki FD type plan me invest krte hain to 1. premium me tax rebate 2. Fd ki tarah yaha ek sath pura paisa nhi dena hota hai. 3. Tax free maturity matlab ek rupya bhi tax nhi dena 4. Fd se jyada growth kyu ki net Kitna lagaya aur tax ke baad kitna mila jab ye calculate karenge to kabhi fd nhi karvayennge aap 5. Is dauran agar policy holder nhi rah jata to jo deposit hai uspe to bonus milta hi hai 10 guna ka claim alag se. To hai na FD se achha. Jate jate ek baat aur search krna google pe FD pe developed countries me kya rate of interest mil raha hai. Har 10 saal me 3 % kam hota ja raha hai fd pe interest.

[@santsingh5883]

Try liquid funds in which u diversify fd companies and safe govt bonds with 8 to 9 % intrest and withdraw any time

[@mrshetty2019]

8 to 9 percent nahi milta bhai... Aaj k time me

[@santsingh5883]

@@mrshetty2019 milta hai check karo return frankline india ultra short instl plan debt fund search karo moneycontrol pe

[@sachinmanchanda4390]

Sir DHFL bhi AAA rated company thi Lekin fir bhi defaulted ban gai. Logon ka paisa atak gaya hai aur aap bol rahe ho credit rating par bharosa karne ko. Last year ILFS bhi default kar gai, uski bhi credit rating AAA thi agar apko jankari na ho to uske bonds ke paise bhi nahi mile. Aur logon ki bhalai ke liye bata dun ki PNB bank or PNB housing finance dono alag alag hain.

[@microtech2448]

and regarding PNB housing, is it related to anyhow with PNB itself as PNB's 3rd fraud in a raw is live and you just mentioned that on PNB's believe we should invest in PNB housing it means these two are connected but we can't ignore 3 consecutive frauds of PNB.

[@khushbooamitbhatnagar]

Looks like main moto of creating video was to promote PNB housing finance FDs only. You mentioned so many things in the beginning but stick to PNB only..

[@nishapankaj769]

Why investing in cooperative banks are not safe....i just opened a RD account in cooperative bank...need i worry?

[@aashutoshkumar3966]

What's lic jeevn aannd is better from fd & Rd.

[@khanlovesitlikethat]

Really love all the information you are sharing.....:)We are definitely getting educated by it....Please keep going....:)

[@graysonelijah5979]

Instablaster.

[@rajatagarwal7302]

Sir please tell about Indus ind bank savings and fd account.Is it safe for next 10-15 years?

[@harinderpalsingh9023]

Would you please suggest where to make fd ,Bandhan bank OR IDFC First bank w.r.t. to safety of money

[@YSingh-fo2ex]

Very Informative Video......Will the TDS would be deducted, if the interest is more than 5000/- in a financial year and the person total earning is below 250000/- i.e. the person is below income tax slab....Please answer🙏

[@bharatgera8229]

No you have to file a 15G form for that with that specific nbfc or housing finance company

[@roysocanalyst9172]

Once FD is open, will the Interest Rate remains constant till maturity or it is subjected to change during the tenure. please advise. Thank you.

[@ShanHFernandes]

remains constant till maturity :)

[@vinayakgawade5432]

सर बँक से fd की advice receipt लेणी चाहीये या original receipt लेणी चाहीये?

[@satyatathya5176]

Excellent

[@Durgaprasad-py6kc]

What u said technical points r ok, but I didn't understand why ur suggesting PNB Housing Finance, so many NBFC's r same qualities, if suppose particular field is in crisis then wat to do. Don't invest in based on only one sector invested or maintained business, look into diversification of business like BAJAJ FINANCE LTD 👍

[@ravivariya1600]

Samajie ki 9.7 am pe preopen close hota he yaniki tab open price dicide ho jata he Ab mujhe vahi price pe trading ka order add krna he buy/ sell phir bhale hi 9.15 pe active ho Lekin 9.8 am to 9.15 ke bichme order kyu add nhi kr pata Ye time bhi bahut important he Can u solve this problem plz?? Thank u

[@shubhakarshetty143]

What about KTDFC Deposit sir ? Is it a safe investment.

[@dipsides5801]

PNB HOUSING CREDIT RATING IS NOW AA , is it safe now ?

[@samirsworld2570]

How’s Bajaj Finance NBFC FD Through ETMONEY?

[@rajitsehgal1263]

Thanks. It seems you have forgotten to discuss about small savings banks. They too provide high returns.

[@helpus4138]

FD ke best interest rate jaane ke liye whatsapp kare [phone]

[@Thetriptiger]

Hey @Pranjal You are doing very Good work 🤘 kindly make video on PPF Thank you 🙂

[@DJAlok-sc6fb]

Pnb hosing finesh shop uadipuar mi ka ho

[@ayanchatterjee740]

Sir Can I invest my money to Paytm bank fd, it's safe or not??

[@kalpanabindoria7360]

One time investment schemes (under 50000/-) pr video bana dijiye please

[@dhanush711]

Congratulations on 1 Million+ followers.. keep up the good work 👌✌️👍💪👏👏 What's your views on Bajaj Finance FD ?

[@santhalcelebration2503]

AweSumit bad

[@deepanshugarg1473]

Thank you very much, sir. Sir, plz suggest how to check reputation and brand name?

[@apoorvsingh2638]

gadget-king.in/a-bank-that-gives-upto-7-interest-in-saving-account/

[@gpanigrahi2751]

Sir future group is providing 10.25% interest rate in fd. Is it safe for investment?

[@adityaaryan1]

Plz do comment sir

[@anils7453]

With interest rate u must to see there ratings

[@anils7453]

If they are rated with MAAA and FAAA Then u should go with them

[@jitendrakumarsahoo4990]

which is better Housing finance or small finance bank for fd

[@santoshbikkarolla9487]

What do you think of Ujjivan bank for fixed deposit

[@premshankar6195]

Travancore Urban Nidhi Limited is the highest interest providing NBFC in the time with 11.15 % for FD . You can contact there sales officer for more details : 6238292448

[@thakurashutoshsingh]

भाईसाब आप ये भी बता दो कि किस ब्रांड में fd करवाना बेस्ट है। Matlab ki top 5 or 3 trusted bank or companies jinme FD krein?

[@financialfreedomwithmf5595]

Best to park ur money in liquid account that gives u more return than FD and also flexibility to liquid ur case when ever u want.. Iske alava u can see incoming interest on daily basid

[@shyamsundersharma8956]

PNB Housing finance कंपनी के अलावा और कौन सी कंपनी में FD कर सकते हैं और कीतना interest rates मिलेगा ।कृपया बतायें ।

[@kalpeshbokde5836]

You should mention India post FD also ..... It's 150+ old department.. fully trustable....

[@bhushanswami3750]

Sir apko ye sab information kaha se milti hai pls give us information about it so that we can also get awareness it thnk u very much for such great work☺☺

[@bhavendrakumarroy5568]

सर, मैंने अगर कोई 1साल FD को बीच में निकाला तो क्या मुझे DEPOSIT AMOUNT से भी कम मिलेगा ?

[@anils7453]

Nhi Sirf Rate of interest Kam hoga Baki aapki jo investment amount hai wo pura aapko milege

[@suparnala]

Sir please KTDFC FD money multiplier scheme par ek detail video banaye..

[@bharatbhushangoswami3149]

Sir Bajaj finance Ltd or Shree Ram finance Ltd मे FD कराए या नहीं। Please reply

[@sandeepsharma3277]

Shriram transport ke fixed deposit sahi hai kya,?

[@YashPatel-hs3de]

Sir futuregroup offer 10.25% interest is it safe or not

[@nilleshdeore7140]

DEAR SIR, PLEASE GUIDE PEOPLE ABOUT THE SECTION 45 IN INSURANCE ACT 1938. NOW A DAYS, LOTS OF INSURANCE COMPANIES DO NOT TALK ABOUT THIS ACT. SO PLEASE GUIDE THE PEOPLE ABOUT THIS

[@beemavala7535]

इक मतलब साफ़ है, चाहे आपने पालिसी खरीदते समय झूट बोला हो या कुछ बताना भूल गायें हों, अगर आपको Life Insurance Policy लिए 3 साल हो गए हैं, तो इंश्योरंस कंपनी को claim स्वीकार (settle) करना होगा|

[@harneetkour7195]

Kya hum govt banks sbi bank mei b invest kr skte h koi prblm toh ni mtlb risk h fd

[@shravya19]

Thanks a lot sir....i was searching for an option...very informative...

[@sanjaydewangan2745]

How to invest NBFC's FD online Make a video on it

[@RAHULTALKS.]

Bajaj finance is a good option??

[@shagun_food_delight]

Sir shri ram unnati fixed deposit me maine 3 lakh lagaye hai 7.83% pe 3 saal k liye. Kya sahi kiya AAA rating bhi hai..

[@aneeshvarghese6686]

AAA rating was with DHFL & IL&FS. Credit agency ratings also can't be blindly followed

[@adityabiyani387]

Kya hua uska Bhai batao na

[@RK-bj8ho]

@@adityabiyani387 default and bankruptcy wt else

[@priyankdevelopers58]

NBFC,HOUSING FINANCE, AND SMALL FINANCE AAPNE YEH 3 BATE BATAY LEKIN SMALL FINANCE BANK KE BARE ME NAHI BATAYA USME FD RAKH SAKHTE HAI KYA... NBFC OR SMALL FINANCE SAME RETURN DE RAHA HAI SO KISME BETTER RAHEGA....PLZ ANSWER ME...

[@NK....800]

pls make one more video on fixed deposit sir.... this knowledge seem quit less hope u understand us....

[@Vishal_Nirmal]

please make video on how co-operative banks work? all co-operative banks are risky?

[@premdasambade2451]

Good Pl. Guidance immediate.

[@parthapratimdatta3406]

Pranjal Dada, you r excellent 👍🏻👍🏻👍🏻🙏🙏🙏

[@pranjalkamra]

Thank you 😀

[@akashagarwal5592]

It's better to invest in ultra short term funds

[@vijayjoshi7134]

Is liquid fund better than Fixed deposit

[@sharaddandge4886]

Sir Mai Abhi Abhi job or Laga hu aur mujhe invest kaha karna samaj nahi raha. Where to invest for pension, where to invest for more return, how much % for various investments could you please guide me

[@adityak1709]

Great video 👍👍 Plz make video about PPF investing. Should one invest 1.5 Lacs every year @age 45

[@makarandipangarkar4961]

Plz reply to this question sir,I also want to know