RBI का EMI Moratorium Option कौनसा सही रहेगा? - इस Calculator से देखो

[@AssetYogi]

Join All-In-One Video Finance App here: vidfin.com/ Enjoy Free Access to select Financial Insights & 1st Chapter of all the courses. drive.google.com/file/d/1Q6mUx9N1HWvSl2EyE_AC3TV-fUHwXAhH/view?usp=sharing Please download the calculator in Excel, it will work fine. Don't directly change values in your browser.

[@sanket9191]

Thank you so much sir...Aapka EMI prepayment ka video bhi bahut useful hai..

[@AssetYogi]

Thankyou Sanket :)

[@sunnytiwary2789]

Make 1 video for CC / OD accounts also

[@mangleshdwivedi8801]

Maine check kiya lekin ye pending emi km kyu nhi ho raha hai mera 60month ka hai our maine kiya to pending mai 250 kyu show kr raha hai..kyu..pls help sir ji..

[@ishdeepsingla]

THANK YOU, SIR, FOR VALUABLE VIDEOS, SHOULD WE INVEST IN MUTUAL FUNDS OR STOCKS AFTER AVAILING MORATORIUM AMOUNT? PLEASE SUGGEST

[@rakeshadp5649]

2:09 actual video starts..

[@shubhamperkunde7267]

This is all Calaculations (which is superb) ...but what about value of money now and after some year(say last3-4 installment) You should add this also to this Calaculations(take approx 1% depreciation in money) For ex 100 rs value in 2020 is more than 100Rs value in 2030

[@AssetYogi]

Yes Shubham you are right, time value of money is ignored to make calculation simpler. But yes, that can further be added in the calculation.

[@vishalwakode3066]

Is se behtar Moratorium ka explanation Or kaha bhi nahi milega... Well Explained Sir...

[@TheBaljeet123]

Ever since the Moratorium has been announced by RBI i have been waiting for this video from you Thank you again sir .... Excellent video Only you can give details information on finance on KZbin

[@anildholu1974]

Sir calculator me thoda error hai, total pending EMI hai vo change nahi ho raha hai , vo koi bhi time 250hi dikha raha hai, our increase EMI me bhi sem EMI rehata hai , i think formula misplaced ho gaya hai , ye sirf aapki information ke liye hai , so never mind🙏🙏

[@JaskaranSingh-yk7jk]

No one is saying that just keep money safe with you just for three or four months n if you r not in crisis after that simply pay of lumpsum. Why every one saying you have to pay hafty amount afterwards. Even home loan interest is lowest these days. Sir plz guide properly.

[@vinz9786]

Sir one more option,, pay only interest during moratorium period regularly and extend the loan tenure.. where will this option fit??

[@technosmartddasgs2549]

Very good muje aj hi apke madayam se jankari mili calculation ki,. You are great man of the world

[@Rajclub111]

Please make video on live demo future and option and chain🙏. And explain in detail of live demo. Please fulfilled my dream.

[@sapnapatil4520]

Really best study of recession and explained it very simply to understand newcommers in share market

[@sahil_vi]

Aapne galat calculate kiya hai. You need to look at time value of money too. Not just total money paid. 4 lakh extra paid over 15 years might be better than 2 lakh paid today. You see.

[@Harshbhardwaj1311]

Correct I wanted to write the same then I saw you already wrote .

[@shubhamperkunde7267]

Money depreciation is ignored

[@gtk-elementarystudents2052]

Correct! if you pull that money and put in the stock market you will be in profit

[@sahil_vi]

@@gtk-elementarystudents2052 that is what I did with my home loan emi 👍😄🙋‍♂️🙋‍♂️

[@AmitSharma-fw3kl]

@@sahil_vi . You are right bro

[@NitishKumar-qg9tx]

Sir biggest opportunity in the history of the world ... This reccetion sir.....ek video on...... Kaise mandi me debt ka use kar ke real state me invest karein ..after ressetion hamlog kaise jayada profit bana payein step by step... Plzzzz aaj har youth ka question Hai sir plzz make sir....... Thanks sir...

[@Mintuaa]

Sir ek baat smjh nhi aayi mujhe Agar mai 6 month ka pay krta toh mujhe pay krna hota - 2.10lakh k around But agar mai emi badhwata hu.. Toh bche hue months hai 50.. And additional emi h (37346-34902)*50=122158 Toh mujhe fayada toh 2nd option mei hai.. Fir aap moratorium naa lene ki salah kyu de rhe h 😳

[@lachchhoomaurya5607]

Concept clear.... Thankyou for this Video..🙏

[@amanatkhan3829]

Mukul ji aap k video k jariye sahi jankari milti hai. Thanks

[@AssetYogi]

Dhanyawad Amanat :)

[@kaushikpatra-xj6jh]

Thank you so much Mukul Ji for sharing such invaluable knowledge to the society in such a beautiful manner....

[@megha8835]

Awesome explaination. Now I have no more doubt about this topic.. superb.. thank you very much sir 🙏🙏🙏😊

[@AssetYogi]

Hope it's helpful 😊

[@megha8835]

@@AssetYogi offcourse it was helpful..keep it up sir.🙏🙏😀

[@rohitsingla12]

Well Explaining of moratorium But till now!

[@apoorvsaxena5629]

You explained it very well and very detailed. I really like the way you explaining things with minute details. This video is very helpful for everyone. The gist for this video is - its better if we choose "Increase EMI" option. Just for the information to everyone. HDFC LTD is doing Compound Interest.

[@TravelQuesters-AspireToInspire]

Repayment options for Accrued interest of moratorium period not yet declared by bank? If not do you think bank provides same 3 options of repayment you explained in the video?

[@prashantpawar223]

Sir you have simplified the concept as always u do... You are great indeed!!!!!Best wishes

[@AssetYogi]

Thankyou Prashant :)

[@luckypatra3228]

Very nicely explained with nice examples and thanks for calculator

[@AssetYogi]

Keep learning :)

[@sourabhjain7998]

Thank you so much sir to understand this complicated process in such a easy way. I have shared this video with my friends and all of them are appreciating you.👏👏 It would be helpful for us if you fix the following issue in the attached sheet: 1. Number of pending EMI is not changing after selecting increase tenure. 2. New EMI is also showing the same as existing after selecting increase EMI

[@jagadishdeshmukh563]

Very important information share Thank you sir please more videos on commercial vehicles

[@saritalohar1492]

Thanks for clearing all the doubts I had about it. It's easy for me to now decide.

[@AssetYogi]

Keep learning :)

[@ranitghosh2434]

Thank u so much sir for making this kind of helpful videos , now i am only 18 years old, i started learning investing, ur videos help me a lot, and thank u again 😊😊😊

[@AssetYogi]

Glad to hear that Ranit, keep learning :)

[@ashwanisahu4572]

Thanks aaj kuch new sikhne ko Mila alag view hai thank u so much

[@AssetYogi]

Keep learning Ashwani

[@pratika9811]

Sir, you have explained the details of moratorium option in a detailed and simple manner. Thank you sir,🙏

[@AssetYogi]

Keep learning Pratik

[@makekhatana1198]

@@AssetYogi Sir aaj mene sbi home loan ki website par free Sibil score check kiya to Usme mera score only 1 bata raha hain please bata sakte hain aisa kyu hoga ? Mene 2015 sirf ek loan liya tha bike ka wo regular bhar diya tha uske baad koi loan nahi liya.aur na to me credit card use krta hu.

[@swapnilbhor621]

Thank to mom and dad still I m able to pay emi 🙏🏻and thanks to asset yogi for such help full info on every financial condition

[@MrRohit016]

In all the three examples payouts are in different time range, it is ideal to take the present value of cashflow to conclude which option is better.

[@AssetYogi]

You are right Rohit. Calculation ignores time value. Values shown in absolute terms only.

[@raakeshbisht]

HDFC is not giving Option of One Time Payment...Not sure about other Banks.

[@pravinbhalekar6092]

Very good Explanation in simple language. thanks sir.

[@AssetYogi]

Keep learning Pravin

[@twinslovelysister3773]

Very Nicely Described 👌👍Thanku.

[@AssetYogi]

Thanks Chandan :)

[@parijain8091]

If aap credit card pr statement ka payment nh krte toh apko current outstanding pr penalty lgegi according to banks interest .only apko other fee nh lgegi i.e late fee and cbi pr impact nh pdega.i.e apka current statement 5k ka hai or statement generate hone ke baad apne 25k ki purchasing ki toh complete 25k pr penalty lgegi . it's better ki aap pay kr de jitna jada pay kre

[@AnshulBansal75]

During the 6 months moratorium period, what interest would be accrued - Simple or Compound? You mentioned that there is not enough clarity on this subject. But how is it in the case of education loans where moratorium periods generally exist.

[@izharahmed367]

Very nicely explained... Thanks Mukul ji

[@AssetYogi]

Keep learning

[@yogeshchaudhari5878]

Very Nice Explanation I like it

[@Paisa-w7x]

Sir ji Gazab.. Mind-blowing

[@AssetYogi]

Thanks 😊

[@bskbm01]

Very very... Good & informative video. Thanks for calculator.

[@AssetYogi]

Keep learning :)

[@sushantshankar5908]

Thanks Mukul Sir. Very useful information. I have learnt a lot from you. Thanks

[@AssetYogi]

Glad to hear that, Keep learning :)

[@apmrastogi]

Thank u, I was searching for this advice, as my sbi bank automatically gave me the moratorium without my consent and I was confused what to do

[@satyamagrahari2968]

Sir make a video on bajaj finance mahindra and mahindra how are they able to assure 8to9% returns on fds are they even safe

[@mahaveeryatdav1060]

मैं बीआरकेजीबी राजस्थान बैंक में गया था परंतु वह एमआई लेने के लिए तैयार नहीं है जबरदस्ती मोरटोरियम थोप रहे हैं क्या करूं बैंक वाले कह रहे थे कि यह ऊपर से ही बंद है हम क्या करें यदि आप अपना एएमआईपी करेंगे तो वह एडवांस माना जाएगा जब तक ऊपर से ही यह माई ने काटी जाए ब्याज सहित जमा नहीं हो सकती

[@VIJAYGUPTA-ce4cm]

Mera bhi aisa hi problem hai. Kirpiya sojhaw de.

[@pradhan2041]

Hello Sir Very informative video Pls make a video on the new car loan schemes by hdfc icici etc balloon payment, flexi emi, step up plan.

[@srajavigneshwaran4277]

explained well sir... I would like Asset Yogi channel to make video on TDS, IT, 12BB, 80C, form 16, 26q, 24q, 27 vagaira ..vagaira... ye saari cheejein kaafi confusing hai....kindly make video on these topics ...

[@atulthite6042]

Very Good Explanation Sir...👌 Thank You So Much...🙏

[@AssetYogi]

Keep learning Atul :)

[@bidyasagarboruah2190]

Very detailed and i agree, i have invested in share market after looking at the market and planning to pay the amount one time with interest once the market is up.

[@dilipmeena2545]

Sir please Retail Banking par ek video banaiye...Plz

[@jeetborade9396]

Subject: About meaning of corporation... Hello Respected sir I am Jeetendra Borade. I am subscriber of your channel as it is very helpful to become financial literate..thanks for that sir.. Recently I am reading a book Rich dad Poor Dad.. in this author of this book stated- "One who want to become rich should establish his corporation " My concern to you is what really this corporation is ??? I feel that you are right person to ask... Kindly reply sir

[@mohan8279]

Sir ma apki video ka hi intezaar kr rha tha

[@akshaykaushal1976]

I really like the way u explain. Thanks for all the informative videos on different topics. Best of luck for all future videos.

[@AssetYogi]

Keep learning Akshay

[@Wolverine_111]

Sir even you are helping banking aspirants. These knowledge is really frutiful for the upcoming new bank employee and aspirants who are going to give their interview in future. Thanks again

[@mahaveeryatdav1060]

सर कुछ लोग मोरटोरियम नहीं लेना चाहते लेकिन उन पर जबरदस्ती थोपा जा रहा है बैंक मैनेजर ही है चेहरे के ऊपर से ही बंद है प्याज कैलकुलेट नहीं हो रहा हम आपके लोन की किस्त कैसे काटे यदि आपकी लांगेस्ट काटी जाएगी तो वह एडवांस माना जाएगा ब्याज फिर भी नहीं कटेगा

[@navinsawant633]

Sir, yours calculator is really helpful Can you please share the same calculator where we can understand our upcoming EMI details separately principal out standing and interest rates separately

[@kishorsutar5385]

Very useful & crystal clear information sir 👌

[@AssetYogi]

Thanks for appreciation Kishor :)

[@kabirkhan456]

Sir me 24 kaa hu aur meri koi income Nahi hai magar gharse Kuch paise milte hai Jo me "Paytm money" app ke through mutual funds me long term ke liye invest Karna Chahta hu wealth creation ke liye agar aap iss baare me Kuch bata sake to bohot madat hogi. Thank you.

[@AssetYogi]

Whatsapp us on 92 9292 4848

[@rameshchandragandhi7075]

I am not availing moroirium option my issue is __keeping same Emi I am not getting benefit whenever bank rate changed by RBI _. Effect of same should be given by reducing repayment schedule SBI not passing benefit. Pl clerify

[@yogeshchaudhari5878]

Very Nice Explanation I like it

[@AssetYogi]

Keep learning Yogesh

[@MAANTHEMETRO]

Plz make calculator with remaining loan amount currently because some people have already prepaid the principal amount before lock down

[@Truth_Seeker09]

Superb video as usual!!! Eagerly waiting for new video of master investor series...!

[@AjitKumar-qg3ls]

Well explained by sir, but you are late while guiding on moratorium scheme. Hope it was presented earlier. But well done and really this video is helpful while understanding the moratorium term.

[@pragyadutt8256]

मैंने moratorium opt कर लिया है फ्यूचर को देखते हुए । पर मुझे Other source से इनकम हो गई है अगर मैं अब जितना पैसा EMI के हिसाब से देता था उतना ही LOAN ACCOUNT में डाल दू तो फायदा होगा या नुकसान ??

[@avb34]

10:17 He explained how There is no considerable increase in EMI in this case 😑😑 Meanwhile Engineers be like: Ooo bhai ye toh hamari 2 month ki salary hai 😒🤧😭😭😭😭😭

[@mrmeseeks8790]

JIT(Jandhulal Institute of technology) se engineering kiya hai kya? 😁

[@sunilmali4832]

You are awesome ....1st I like your video and then watch

[@panwardeepak79]

मोरेटोरियम-EMI हॉलिडे🤔🤔🤔🤔,बहुत he achi जानकारी मुकुल जी😊😊👌🏻👌🏻🇮🇳🇮🇳🇮🇳🙏🏼🙏🏼🙏🏼

[@AssetYogi]

Dhanyawad 😊

[@panwardeepak79]

😊😊🇮🇳🇮🇳🙏🏼🙏🏼

[@vinayagarwal4u]

Well explained!!

[@AssetYogi]

Thanks Vinay

[@bumblebee2338]

Thank u sir great explain And this is my best KZbin channel it helps and guides me

[@mauryar16]

Thnx for this video...But I thing es topic pe video agar starting me hi banate to bahuto ko fayda hota...

[@prasannarapate2592]

Namaste Sir, one question regarding moratorium - can we apply for home loan moratorium or EMI hold request now in 2022 for some reasons?

[@rohanbhole2436]

Sir, June month is supposed to be a month of new college admission and many people definately go for educational loan. If you make detail (series of videos) on it, then it would be better for us(students)

[@DeepakKumar-kh6xc]

सही है सर तरीका आपका समझाने का

[@manojpatil1782]

Sir meri aapse vinti hai ki TDS aur GST per video banaye....

[@nishantshah6038]

Pls create video regards mutual fund guide in current situation

[@tusharrao8649]

very informative and very well explained video👍

[@deeppihu1669]

Loved the way to explained this topic.... thanks bro...😊

[@AssetYogi]

Keep learning Deep

[@gajubhawar8079]

Thanks for video. I find your video knowledgeable. Wanted to ask one question - If we opt increase tenure (no option to pay now) and pay 1 emi extra every yr , I think this will also work, please suggest.

[@prabhunoniyamahato4897]

Thnx Sir...U.solve my Big .. Confusion

[@AssetYogi]

Keep learning :)

[@manisehgal6398]

U r perfect knowledge distributer, sir,,salute🙏

[@wintersnow453]

Thank you very much sir ji for your guidance and providing EMI moratorium calculator.

[@curiousengineer6436]

Got a msg from HDFC for car loan moratorium. . typed Asset Yogi Moratorium on KZbin. .now I am not availing moratorium 😅

[@AmarKumar-gj2zo]

Really it is very good info.. thank u so much..

[@AssetYogi]

Thanks Amar :)

[@karanseneo8559]

1 more question sir👇👇👇👇 Mai 5paisa app use krta hu, usme kuch shares holding/buy h...... Agar mai zerodha me apna ac open krunga to kya, mere sare shares loss (डूब) jayenge??? 👇👇👇👇+1 5paisa app me, mai 2 shares sell kiya tha 1/2 june ko, mere pas av tk koi paisa nhi aaya, aap help kr dijiye,mere sawal ka jawab de k sir plz 🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏🙏 Mere pas POA softcopy me h

[@pawas4321]

Sir you simply the best. Hats off👍

[@AssetYogi]

Thanks Pawas :)

[@krishnajagtap7673]

Sir is corna time me lockdown ke period me home loan lena sahi hai kya sir plz batyae

[@kirankumbhar9390]

Great information ....thank you.....

[@AssetYogi]

Keep learning

[@swap7698]

Can you make a video on margin of safety according to Indian market and companies?

[@vinodshah5158]

Very knowledgeable n useful. However , pl.clarify if we pay one time int.then what about the arrears Emi?thanks

[@shankarbhandari9315]

Sir got a question which one is better mutual fund or stocks where to invest as i have a longterm goal so want to know where i can make good money in next 20 yrs?? pls suggest.

[@shanquereshihalalmeatshop9081]

Camarsel market me investment Kiya tha waha se 12% asurente aa raha tha jo logwdown me dena band kar diya hai aur mujhe laon dena bank ko vhari par raha hai ispe vi videos banaye sr thanks

[@sonirakesh1130]

Sir I am your fan, the confidence you shows that is beyond the leve

[@AssetYogi]

Thanks for appreciation 😊

[@GauravSharma-tt1df]

Sir ek video sale deed ki calculation kaise karte h us topic per video bana dijiye plzzzz

[@adgamingzone5245]

Sir a Big thanks to u to tell about moratorium

[@SuperUmeshpal]

Mr.Yogi, what would u suggest for people having under construct flats and are paying EMIs, through repo rate home loan and possession in 8 months. This way they can accumulate some cash for GST+Registry+Furnishings and later on go with the increase EMI option. Your take on that?

[@nautisdk157]

Nice vedio in this covid time

[@shanu5406]

Informative video as always thanks Sir...

[@satishvaghela6731]

Intrest rate consider as Rate of return Herr ??

[@chitranjankumar6194]

Thak you very much sir for clearing all the doubts

[@AssetYogi]

Keep learning

[@shreyasgadekar]

The excel you provided is good but why haven't you provided the formula used to get to this calculation. Understanding along with formula would have been more beneficial. Anyways thank, good video.

[@Omnamahshivay8079]

Sir , very informative. Can you please advise me what is sdr? In currency