Loan Against Fixed Deposit (FD) - Hindi

Loan against FD (Fixed Deposit) explained in hindi. Should you break your FD or should you take loan against your Fixed Deposit? What are the interest rates? Sign-up to our new app for discounts and early access: ✔ assetyogi.com/...
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Loan against FD is offered by Post Office and all banks - SBI, ICICI, PNB, HDFC, Kotak Bank, Axis Bank, BoB, Bank of India etc. Let's understand the complete process.
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इस वीडियो में एफडी (फिक्स्ड डिपॉज़िट) के आधार पर लोन को समझाया गया है। क्या आपको अपने एफडी को तोड़ना चाहिए या आपको अपने फिक्स्ड डिपॉजिट के आधार पर लोन लेना चाहिए? फिक्स्ड डिपॉजिट के आधार पर लोन के लिए ब्याज दरें क्या होती हैं? फिक्स्ड डिपॉजिट के आधार पर लोन डाकघर और सभी बैंकों - एसबीआई, आईसीआईसीआई, पीएनबी, एचडीएफसी, कोटक बैंक, एक्सिस बैंक, बीओबी, बैंक ऑफ इंडिया आदि द्वारा प्रदान किया जाता है। चलिए पूरी प्रक्रिया को समझते हैं।
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In this video, we have explained:
How to take loan against Fixed Deposit?
In which situation should you take loan against FD?
In which situation should you break FD instead of taking a loan?
What are the features of loan against FD?
How interest rates are charged on loan against FD?
What are the available repayment options for loan against fixed deposit?
What is the maximum loan tenure for taking loan against FD?
What is the difference between FD interest rates and loan against FD interest rates?
What are the advantages and disadvantages of loan against fixed deposit?
How to get the benefits of loan against FD?
Which is a better option - breaking FD or loan against FD?
How to do cost benefit analysis between breaking FD and loan against fixed deposit?
फिक्स्ड डिपॉज़िट के आधार पर लोन कैसे लें?
किस स्थिति में आपको एफडी के आधार पर लोन लेना चाहिए?
किसी स्थिति में आपको ऋण लेने के बजाय एफडी को तोड़ना चाहिए?
एफडी के आधार पर लोन लेने की विशेषताएं क्या हैं?
एफडी के आधार पर लोन लेने पर इंटरेस्ट रेट्स कैसे लगायी जाती हैं?
फिक्स्ड डिपॉज़िट के आधार पर लोन के लिए रीपेमेंट के क्या विकल्प उपलब्ध हैं?
एफडी के आधार पर लोन लेने के लिए अधिकतम ऋण अवधि कितनी दी जाती है?
एफडी ब्याज दरों और एफडी के आधार पर लोन की ब्याज दरों के बीच क्या अंतर होता है?
फिक्स्ड डिपॉज़िट के आधार पर लोन लेने के फायदे और नुकसान क्या हैं?
एफडी के आधार पर लोन से क्या लाभ होते हैं?
इन में से कौन सा एक बेहतर विकल्प है - एफडी केआधार पर लोन लेना या एफडी तोड़ना?
एफडी तोड़ने और फिक्स्ड डिपॉजिट के आधार पर लोन लेने के बीच कॉस्ट बेनिफिट एनालिसिस कैसे किया जाता है?
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Hope you liked this video in Hindi on “Loan Against Fixed Deposit (FD)”.

[@AssetYogi]

Sign-up to our new app for discounts and early access: ✔ assetyogi.com/sign-up/

[@VISION12345678]

Loss in "Loan against FD" is Rs10,000/_ (Loan interest 50,000 - FD Interest 40,000) instead of Rs 50,000 (as per video) is very much less than loss in breaking FD Rs 38,000/-.

[@amanchauhan2517]

This is exactly what I want to know.

[@pavanm7379]

Right

[@lavanyasrivaram1344]

This is a wtong advice. It is always better to take loan against fd....Because your net cost of funds is only 2%

[@sadashivgaikwad7343]

Your explanation is in very simple language. Please to make youtube video about comparison of insurance plans. If possible upload video for finance and insurance literacy

[@AssetYogi]

We are majorly uploading the video related to Business, Finance & Money. You can go through the other available video Devwrat

[@scorpian6013]

1% का नुकसान उठा कर एफ डी तोड़ना हर तरह से एफ डी रेहन रख कर्ज लेने से बेहतर है। हमे कई एफ डी अलग-अलग अमाउंट की लेनी चाहिए , और अपनी जरूरत वाले अमाउंट की एफ डी ब्रेक करवानी चाहिए।

[@aravindraj3405]

Sir, please make video on loan against FD in current situation. If maturity will come in 2 or 3 months, which is more better?

[@pankajshah6250]

Galat samzata hai - why? To deposit FD at one time 10 lakh - make FD for 5×2 = 10 lakh - loan against FD the best 👍💯 - some bank takes 1% more interest in co- op bank gives loan FD rate + 1% extra - you can pay loan anytime at any amount - my experience is saying that FD against loan is best choice but ask bank that bank is charging 1% more

[@dr.nirajkumar1994]

Fd pe loan interst agar 50000 @10% hai to fd pe 40000 interest @8% v to mil raha hai 1 saal me to overall mujhe 10000 hi pay karna pada na..so loan against fd is beneficial

[@nikhilsingh4310]

Sahi baat aur sirf fd ke interest ke upar interest dena padta h nahi ki principle amount par.

[@nandakishoremg9277]

You have not taken bank interest accumulated during the loan period. Misleading information. Kindly revisit your calculations and interpretation.

[@mohitrathor2690]

Mukul Ji, I have been watching and following you since long, Almost seen your all videos and content, That are very very helpful, Crystal Clear, Crispy and focused, I really really appreciate that.

[@AssetYogi]

So nice of you

[@AaaAaa-gq2kd]

Adarniya Bhai , Ye video ke liye bahot bahot Ashirwad .🙏

[@AssetYogi]

Thankyou!

[@csax4056]

Please make videos on franchising. And other business related videos. Your channel is amazing

[@AssetYogi]

Sure. Noting the request.

[@arjungupta9584]

Please make a detailed video on loan against FD for buying a house

[@antonyjames4441]

Why the interest on fd is not considered in the calculation??

[@Himanshirohilla90]

Sir penalty on pre mature is on the amount of interest not on the principal amount . Please rectify this as you have consider penalty on principal amount ( 10 lakh )

[@Anandsahu900]

But interest to principal pr calculate hota na.....to kitna Kam interest hoga....wahi penalty hai....

[@SujoyBanerjee1907]

Sir which will be better loan or Overdraft on my FD if I want to purchase bike. Also should I go for emi option or lumpsum full payment for bike purchase? Please guide.

[@expertsaby3204]

Bhai wo Loan against FD pe 2% apni pocket se pay kr ra hai. 8 % interest to bank usko pay karega hi uski FD pe interest milna thodi band hoga bewkoof

[@jasvantsingh1000]

Correct total interest 2℅ hoga means 10000 dena hoga bank ko

[@butcher4258]

It z opportunity cost vs cost of borrowing (penalty considered)..verify it again

[@arashokbhargava5087]

correct bhai, overdraft against fd is best

[@arashokbhargava5087]

aur sbi me to sirf 1% hi extra lagega

[@rahdk]

Most bank charges 1% more than your fd interest rates.

[@rajeshsisodia6432]

Ekdum right bro

[@rajeshsisodia6432]

Central bank fd hone par 6.60% per annum ka ratehai aur loan agai st fd sirf 1% extra charge karta hai bank i think loan against fd is great

[@sskdos123]

इतनी अच्छी जानकारी के लिए सर आपको धन्यवाद सर एमोडी और ऑटो स्वीप फैसिलिटी में क्या अंतर है? कृपया इसकी जानकारी के लिए यदि कोई आपने वीडियो बनाई है तो उसका लिंक हमे देने की कृपा करें।

[@AssetYogi]

धन्यवाद् 😊 मैंने अभी MOD (Multi Option Deposit) पर वीडियो नहीं बनाया है लेकिन अगर आप चाहें तो आप मेरा Auto Sweep Facility Account & Flexi Fixed Deposit (FFD) वीडियो देख सकते हैं जिसमे आपको ऑटो स्वीप फैसिलिटी अकाउंट और फ्लेक्सी फिक्स्ड डिपाजिट के बारे में जानकारी मिल जाएगी। Auto Sweep Facility Account & Flexi Fixed Deposit (FFD): kzbin.info/www/bejne/fpTbiaqnqs2Di68

[@sskdos123]

thanks sir

[@Bramhos289]

extremely wrong calculation... agar koi Fd ke upor loan leta he to 10‰ ka interest dena parega but usko bank 8% interest bhi dega...fd ke liye bank interest nehi bandh karega...effective interest rest against FD IS = 10%-8%=2%...OK so it is gd to take loan against FD than any another source..fd torne ke lia bank 1% jada charge karta he..

[@shakubhagat3295]

Thanku sir for this good information 👍👍

[@mahantheshmr2532]

Whether we allow overdraft against individual deposit to hufac kartha of individual deposit

[@NEHASINGH-zs6mk]

Nice video sir. Pls tell me one lakh ke fd pe 90 milta hai but 90ka Hume kya emi bharna padta hai monthly ya yearly.

[@JATINDERSINGH-yq4wi]

Fd break karne pe to 1% b benefit nahi hai chahe loan amount bada ya chota hi kyu na ho. 38000 ka direct loss plus jo interest mil raha tha wo b jayega.. means year plan me 80000 ka loss plus fd breakup..so totally no benefit in all that breaking fd. As simple as that.

[@DaSnipy]

wait .. your calculation at the end is problematic. See.. if you take 5 L loan on 10 L fd at 10%.. you have to pay 50k interest ..this is correct .. BUT now you have NOT broken your FD for above loan .. so that FD has earnt 8% and post tax 5.6% (considering you to be in 30% taxable bracket ).. thats 56k .. so you get 6k benefit ... getting it ?

[@ashimgurung2045]

this video must be edited and publish again seriously end part specially tq

[@SujoyBanerjee1907]

Bhai seedha seedha batao aap....should I go for loan against fd or overdraft against my Fd. I want to purchase bike.

[@butcher4258]

Cross check by caluclating final inflows ..u ll realise that u r wrong to think that the guy who posted this is wrong

[@butcher4258]

@@ashimgurung2045 Seriously bro..verify it by caluclating net inflows

[@shimlirajan1320]

The concept is very clear👍👍

[@maheshpatil563]

Nice explained sir

[@yovandosi5186]

Lekin sir loan against fd me 10 lakh ka 8% 2 yr k liye interest bhi to aarha h kuch 1,60,000 k aas paas

[@nairasharmavyas976]

Nice information thank you 👍🌹

[@salwenikhil456496]

If I have taken loan against FD of amount 2L and I paid 2 L in 3-4 month. in that case how much interest amount I have to pay to bank.

[@rahulsmart74]

This video is very helpful

[@AssetYogi]

Thank you 😊

[@ManojChoudhary-vr5gc]

Great video great information thanks sar

[@AssetYogi]

Keep learning :)

[@JohnRV-qf3wq]

Thank you sir for your valuable information....👍

[@naresh.galsun9209]

Very good video g Thanks for Knowledgeable video g

[@AssetYogi]

Welcome Naresh :)

[@papiyamazumder2215]

Very well explained video !!!!!

[@AssetYogi]

Glad you liked it

[@GurdeepSingh-nk5jl]

FDR due on second Saturday bank will adjust the loan on Monday is bank charged interest on loan account up to Monday or up to due date of fdr

[@MD.MAROOF-ALAM]

Tax saver FD maturity se phle close karsakte hai ya nhi by axis Bank mein ek video bnayega please sir

[@amitkadam4535]

Hii,Mukul sir,it's video is very informative,Thanks for this video..

[@DaSnipy]

NO .. recheck the calculation at the end.

[@atharvaahire7445]

Sir Whether it is beneficial to do part payment of home loan by using the FD loan amount .....

[@moooodchanger689]

sir 1question pls. reply. overdraft facility me = *interest paid regularly* ka kya matlab hua ? daily interest jama karna hoga?

[@akshaysinghal9218]

Very well explained 😀😀

[@AssetYogi]

Thanks Akshay :)

[@ashishjeena8021]

Thank You Sir...

[@AssetYogi]

Most welcome

[@rajkumarcreation4084]

Hi sir best explanation ,

[@AssetYogi]

Thanks

[@innufmagrud]

Fantastic salute to u sir

[@akshaygole9857]

aap ke video bahot helpfull rahate hai. bus aap 1 acche quality ka mic kharidiye taki aapka voice smooth lage. abhi jo aap mic use kar rahe hai vo smooth nahi lagta.

[@AssetYogi]

I have already changed my Mic. Using a Samson mic which has a very good rating. Will see if there is any other problem. Thanks for the feedback Akshay.

[@akshaygole9857]

Asset Yogi .. use boya mic. every youtuber use this boya 2 hazar ke aaspas hai

[@AssetYogi]

Yes Akshay, I have Boya as well. Will see what combination works best.

[@akshaygole9857]

Asset Yogi ok

[@amanchauhan2517]

Could you please answer, I have seen a lot of people bring up why u haven’t considered interest payment against FD in your loss statement. It should effectively be 10k.

[@csax4056]

Please suggest a channel that talks about businesses for small businessman.

[@AssetYogi]

Not aware of an authentic channel for India that goes into details.

[@bidnazz8839]

How to close this od account? You didn't mention that

[@RakeshKumar-zj4hu]

I guess the Penalty is on the interest and not on the principal amount. Please verify!

[@tuhindutta3544]

Correct

[@kaushik_herle]

Well explained

[@AssetYogi]

Thanks Kaushik :)

[@anuragshukla4547]

Thanks

[@AssetYogi]

Welcome

[@Dorkwing]

SBI checks credit score at the time of giving you demand loan against FD from branch. Strange though

[@kumarbharat9297]

No

[@AdityaSharma-premium]

No

[@pavanm7379]

But why

[@ktm45]

5 लाख loan का 50000 भरेंगे लेकिन 10 लाख का intrest 80000 ही मिलेगा

[@DevalJayswal]

I am confused little bit on your calculation sir, lets assume with an example, If I had an FD in "ABC Bank" of rupees 1,00,00 on the annual ROI 8% and suddenly I choose to take a loan against FD and 85% amount of 1,00,00 rupees will be 85,000 rupees I can get by that right ?? and I said to "ABC Bank" that I will return my money in SIP mode on every month cycle. then my Questions are ….. 1) After taking loan against FD, can I get the 8 % annual interest on whole FD amount (1,00,000 rupees) ?? 2) After taking Laon against FD, bank will charge me the Interest of 2% on the withdrawal amount (85,000 rupees) or on the FD amount (1,00,000 rupees) ? 3) This Loan against FD will charge FD holder 2% annually or Monthly Basis ? 4) If I take loan against FD, then bank will charge any other charges just like breaking FD or Assigning the 85% amount withdrawal ?? 5) This is my last question - If my "Question 1" 's assumption is correct then FD holder can get the loan on only 2% annual rate of Interest ? Thank you for making knowledgeable videos to educate people like us, keep making videos !! Hoping best reply as early as possible !! By Deval Jayswal An Individual Investor..

[@csax4056]

Love your content. Very explanatory. Please make videos for small business esses, startups etc

[@AssetYogi]

Yes Chirag. Will definitely cover topics related to startups and small businesses as well once basics of Finance are covered. Stay tuned.

[@moudas6172]

MIS ( monthly income scheme) ke against loan milti hai? Agar milegi Kitne saal ke baad milegi?

[@mehanbiswas492]

Can I use more than 90% from over draft loan account?plz reply hdfc bank

[@akashdeshmukh1556]

How to repayment of overdraft?

[@arunkumarchoudhary9470]

Loan against fd me bank ko diya jane wala actual interest rate 10-8=2% hoga.?

[@GauravKumar-ef6vn]

Yes, Bus difference itna hai ki FD interest rate pe tax bhi lagega jo waise bhi lagta hai...

[@sauravkumar-ug4dh]

Nice video sir

[@AssetYogi]

Thanks

[@ykm0307]

iska video new term and conditions pe bana iye

[@RajeshYadav-xb1yl]

Very very very nice sir

[@ajaykumar-rf5hq]

Excellent sir ji,,

[@AssetYogi]

Hope it helps. Ajay

[@PANKAJSHARMA-lu5mg]

Again fd 1yrs . And loan take 4yrs periods mil skta hai.

[@bplustagonline1439]

सर मैं आपका हर वीडियो देखता हूं उससे मुझे कुछ ना कुछ सीखने को मिलता है फिर भी सर एक सवाल मन में उठता है मैं हैंडीकैप्ड यानीकी मैं विकलांगता दिव्यांग हो. तो सर मेरी (FD/ 500000. से ज्यादा है तो सर टैक्स से मैं किस तरह बच सकता हूं. मुझे क्या करना चाहिए...

[@sudhirmistry3048]

If I break the FD, half amount of FD remaining half can I get only interested of half amount but I take a loan against FD I get full interest on that I didn't and the money will be same in the account and if I pay by EMI then the I will record the money which I invest in somewhere so I do in every maturity and alone finish I get I get what I want my money will be always safe

[@deeapkchandel1159]

Sir if I paid MY pan amount with interest than my fd interest calculatted from back or not

[@snrdilse3550]

thank u for the info

[@AssetYogi]

Most welcome

[@VidyaRaikarVlogs]

Very well explained

[@loknathroy9415]

Excellent analysis like your other videos.

[@AssetYogi]

Glad you like them!

[@abhijeetbarge1383]

Totally wrong information he has not calculated interest given by bank on FD❤

[@abhishekroy9652]

Awesome sir 👌🏻👍🏻

[@AssetYogi]

Thank you 😊

[@kashiprayagam6914]

Fd ke against od leke mutual fund me sip karna is good or not. Kindly suggest

[@MrSagarvora]

What if we take loan against fd and pay the full amount back with intrest do we get intrest or it is waived ?

[@rameshg5044]

Loan against fd will improve civil score?

[@anurandhawa1]

Sir 1300000 lac ki fd hai 1 year ki hm ne us me se overdraft 950000 liya jis me se 600000 ham use kr liya hai hm fd stop krna chahta kiya je sahi hoga 16 november ko open kiya tha fd

[@arifkhankhan640]

Thanks bhi

[@AssetYogi]

Hope this is useful

[@ritutripathi1]

hello sir mene fd par lon liya tha s.b.i se call aya bole aap agar nahi de par rahi toaaj hi fd toddi

[@sitaransari776]

Nice video sir👌👌👌

[@AssetYogi]

Thank you 😊

[@riddhishkathar8525]

Can I gain profit from FD against OD?

[@sahilmehra9838]

Its very helpful

[@binudtalukdar547]

Thank you for kind information

[@AssetYogi]

Hope it helps Binud :)

[@targetukpscjob5353]

Fd 150000 rupaya ki hain jisme se 1 lakh loan nikala aur 50000 jo bacha hain usko nikal sakte hain

[@amanforyou9493]

Great video sir ❤ ❤ ❤

[@bhagabatabiswal521]

Nice described 🙏🙏🙏

[@AssetYogi]

Thanks a lot

[@9584213143]

Hello sir agar mene hdfc ya lic se plot home loan liya hai to kya wo property genuine hai ya nai ?

[@mukeshkumar-hv3ln]

Sir mujhe 2.5 lacs ki requirement h..nd fd amount 6 lacs h...to mujhe fd tod deni chahiye ya loan against fd lena chahie

[@pallabpatra4642]

Get loan against fd

[@SandipKumar-zt7yu]

Loan k liye sampark kare 7321926248

[@SantoshKumar-nb9zz]

Sir most cases it is 1% more than Fd rate

[@rohangohil5509]

Right

[@mrbkhandei5020]

Nice

[@AssetYogi]

Thanks Kumar :)

[@immortalprince9251]

@assetyogi Wrong info, when we take loan against fd we have to pay interest on 2% only and you are calculated against 10%

[@salaria201]

2% extra lodu...

[@LakhwinderSinghTeona]

Sir, kya FD premature break krne pr Total Amount pe Penality lgti hai k FD k interest pr penality lgti hai?

[@sakshikharbanda6428]

In case if we will break the fd before maturity, 2 things will happen. Firstly, yes, you will have to endure penalty charges of .0.5 %. Secondly, you will also get a lower rate of interest because you are taking out the money before the maturity period. Continue Reading : www.myloancare.in/fixed-deposit/fd-interest-rates/

[@dhirajhotwani7128]

Can i take overdraft on a fixed deposit I have made for 7 days tenure, or 15 fd days tenure

[@hementkumar9698]

Very good

[@rohanghadge6308]

Sir mene FD ke against loan le liya to jo mera FD bank me chal raha hr uspar muzhe interest milta rahega na?

[@NITINNPANDIT]

i need general insurance video with full details.

[@glimpsesofmyhomegarden2024]

Sr mujhe ye janana hai ki LIC ke kya rules hai .. or loan maturity amount k hisab se milta hai ya jitna jamaa kiya hai uske hisab se

[@SiddhnathRai-bf5xo]

Does loan against fd reflects in CIBIL as secured loan?

[@niravdalal9482]

Loan against fd cibil report me dikhti hai ?

[@fastgaming7555]

Kiya fd me se loan ka Paisa kist jama Kar sakte hai aur kabhi aur Paisa loan do bar le sakte hai

[@deepshikhabisht7928]

This is wrong..You have not calculate intt received in fd in case you tale loan ..It and be subtracted from the intt paid