SBI की Regular Income वाली स्कीम | Annuity Deposit Scheme in SBI | Investment Plan for MonthlyIncome

SBI की Regular Income वाली स्कीम | Annuity Deposit Scheme in SBI | Investment Plan for MonthlyIncome
Welcome to Josh Money!
In this video of Josh Money, we will be talking about SBI Annuity Deposit Scheme.
SBI Annuity Deposit Scheme channelizes savings of a person to get regular monthly income. Investors can deposit their savings in a lump sum to get monthly income over a fixed tenure. This जोश Money video covers the SBI Annuity Deposit Scheme, its features and frequently asked questions about the scheme in detail.
SBI Annuity Deposit Scheme is a scheme that enables investors to use their savings to get regular income. In this scheme, an investor can invest in a lump sum and receive Equated Monthly Instalments (EMI). The EMI includes both the principal and interest. The interest is compounded quarterly and discounted to the monthly EMI value. Also, the rate of interest will be as per SBI rules and norms.
All resident individuals, including minors, can invest in this scheme through single or joint accounts. The minimum deposit amount should not be less than INR 25,000. There is no limit on the maximum amount of investment in the SBI Annuity Deposit Scheme. Investors can choose from the available tenure options, which are 36, 60, 84 or 120 months. Moreover, investors can take a loan against their SBI annuity deposit scheme. However, it is granted only for special cases.
हर महीने होगी Guaranteed Income | SBI Annuity Deposit Scheme 2022 | SBI Annuity Scheme | Josh Money
Monthly Guaranteed Income in SBI | SBI Annuity Deposit Scheme 2022 | SBI Annuity Scheme |Josh Money
#SBI #AnnuityPlan #SBIAnnuityScheme #SBIDepositScheme #MonthlyIncome #GuaranteedIncome #JoshMoney #जोश Money #Finance #Investing
#SBIAnnuityScheme #SBIAnnuityDepositSchemeCalculator #SBIAnnuitySchemeInterestRate2022

[@pankajguglani1988]

Useless scheme 😢😢 OMG aap cons nahi bata rahe 20 lacs deposit per month 38087/- for 5 years (60 months ) means we will get 38087×60= 2285220/- it means agar 20 lacs less Karen to total interest recieved ➡️ 285220/- so annual interest rate comes 2.85% THAT'S FRAUD AND ANNUITY SCHEME MAKING HOLE IN OUR HARDEN MONEY.......PLZZZ DON'T MISGUIDE PEOPLE.😢😢

[@parmindersingh1430]

Brother you are right. To add on its calculated quartely so it will be around 12-13 thousans per month . It better to hv FD then

[@gamechamp_0077]

At the time of maturity means after 5 years u will get your 20 lacs back. U will get 2000000+2285220= 4285220. 38087 u r getting monthly that u can again invest in RD so that u can get interest from there also.

[@Aryan-sw4ni]

Inko bas views chahiye

[@pratapsaxena5303]

1.. 200Rs.+5% 210Rs - 21Rs. 2..189Rs.+5% 198.45Rs -21Rs. 3..177.45Rs.+5% 187.30Rs -21Rs. ... pehle 1.. 200 Rs hai aage pesa ghata hai byaj nahi .. jitna amounts utna intrast Rate .. no miss gid I think ☺✔💯

[@hkp557]

​@@gamechamp_0077 No, In annuity scheme your Principal is not returned

[@Desh-nahi-bikne-denge]

20 lakh agar hum 5 sal ke liye karvate he fd me to 7 percent se 11666 ban Raha he aur humara payment bhi secure he ..... Apki is scheme se only 4753 rs intest mil Raha he kyuki baki ka 33,333 to humara principle amount he Kya hume pagal samjh rakha ki hum regular payment ke chakkar me 6913 ka nuksan bhugte Vaah didi vaah Vaah didi 😂

[@ashokkumarsingh1567]

Whatever explained is true. I hv done 2 e- Annuity deposit via YONO platform in mobille. And enjoying the scheme. It is good for those who hv enough corpus ( like retired persons).It is your money being returned with fd rates. Advisable to those having no financial discipline.

[@divyanshyaduvanshi4919]

Really appreciate your efforts but I think you forgot one point.. 😅 As you mentioned in the starting of the video "I'll tell you how to apply for ADS" but you missed that one point..🤷‍♂️

[@SunilKumar-gu9xh]

Thanks mam kamal ka knowledge thanks for the josh money 🙏🙏🙏

[@chhelgirigosai6273]

Are bhai POST me jyada milta hai interest MIS account me 7.4% chal raha hai

[@rajendrajoshi5639]

Thanq for the information, however Amrut kalash scheme, which is better than this, it's OPEN till 31St March 2023, which is having 7.6% interest for senior citizens...

[@bindra1731]

Is the SCSS in post office offering 8.0 % interest better than Amrut Kalash scheme?

[@Ramiz422]

20 लाख इन्वेस्ट करके आप पूरे पांच साल ध्यान से पढ़िए पांच साल पेंशन पा सकते हो और अगर आप पच्चीस तीस साल के हो तो केवल इसके आधे पैसे बीस तीस साल के लिए किसी अच्छे स्टाक या फंड में इन्वेस्ट करके 60 साल की उम्र में एक दो लाख महीना पेंशन जैसे उठा सकते हो

[@ratilalborana6171]

इस स्कीम में नया क्या है, क्योंकि हमारे ही पैसे हमें किस्तो में मिल रहे है जबकि यह तो पहले से हमारे पास ही है न, साथ ही इतना बड़ा राशि यदि FD भी बना ले तो वार्षिक ब्याज इतना मिल जाएगा - जय हिन्द

[@two8915]

tuje kuch smja nhi calculations,1 month 38000 aisa fd may kaisay milya 2000000 may konsa bank deyga bhai thoda dimag ka use kr,hassi arahi h tuj par

[@saurabhshukla8803]

​@@two8915 tu chutiya hai wo sahi bol rha hai...bus fd me 5 saal me mil jate hain paise ismein monthly mil jayege...rate same hai baki koi diff nhi....

[@duludas8869]

@@two8915 hassi toh tujh par arahi hey akkal ka dushman...samjh ke dekh tere pass 20 lakh hey woh tuney bank pe diya tujhey lumsum 38 hazar mil raha hey..haar month 38 hazar milney ke baad 5 saal baad tera bank pe diya hua 20 lakh khatam hojayega tab tu apna tuntuna lekar bank pe jakar lori sunakey ana....samjh gaya na puri bath

[@joginderkumar7558]

Bank not sure for this sechme?

[@sharadkapoor1829]

Pagal ho kya 😂

[@johnstephen5211]

Really want to know how authentic this scheme is.... definitely there will be a CATCH....

[@user-lp8tt9kw1v]

इस वीडियो में बताया जा रहा है । 2000000 का प्रति माह 38087.85 रुपए मिलेगा लेकिन उसी वीडियो में जहा कैलकुलेट हुआ है । वहा तो वार्षिक दिखा रहा है।😂😂

[@bhanubana5011]

38000 for 5year in 5year there are 60 month so 60month multiply bye 38000 so 228000 milega total ye full bana rhi h hume bas 80000 milega intrest vo bhi 5year me

[@ashokpasrija4428]

Its better to deposit money in SBI Equity Hybrid or SBI Magnum Fund in which return is more than 12% and annual capital gain upto Rs 1 lakh is tax free whereas in Annuity Scheme interest is added in income. If a person withdraws @ 6% annually, the principal amount wl also grow. Thats a better scheme

[@aartirana6552]

Koi or bhi funds hoty h kya

[@ritutyagi4126]

Sbi magnum fund me direct invest kar sakte hain ya usme b options hote hain.

[@deepakshinde2653]

Same both... Fd & annuity

[@AmalBasumatari-bm7fo]

Good advice . Thanks .

[@MeenaJitendra]

Mam kya aap mera cibil score ka pdf dekh kr bta skte ho kya mai sbi me loan ke liye applicable hu ya nhi...mai pdf kis pr bheju mam

[@SanjeevKumar-bi5qc]

Very beautifully explained Ma'am. Really appreciate your depth of knowledge about this scheme of SBI. I visited number od SBI BRANCHES in Delhi enquiring about this scheme but shocked to learn that even sbi employees are not where of these details. Furthermore, some employees even doubted about the existence of such a scheme of their bank. Moreover, the usefulness of this kind of scheme can only be appreciated by selecting number of people who are placed in some special or peculiar circumstances owing to old age, incapacitation, ailments or those suffered or suffering from loss or erosion of business or profession. Thank you so much. Really appreciate!

[@rohandas1998]

Yes.. you are Right. This also happens with me also.

[@montubaruah6419]

Bank staff does not know about these schemes

[@sharathshetty2370]

Hi, You given one example right if we deposited 20lak at one time we will get monthly 38,087rs for 5 years that means we will get over all internet 285,220rs (38,087*12*5 = 22,85,220rs) but also told same internet in FD also we will get around 5.4% same amount if we deposited in FD 20lak we will get after 5 years internet around 540,000rs (20,00,000*5.4*5/100) so which one is the best option

[@samanyamanus3185]

Hi , Madam You explained very nicely. But while explaining you said monthly mode of annuity and selected Quarterly mode so the calculation showed quarterly annuity amount of Rs.38087.85/- If we do monthly calculation , it comes to 12695.95 /- per month if I am not wrong.

[@nikhilbankar]

Ye kya bol rahi hai isko hi pata nhi 😂

[@anindian007]

Exactly.... 😅

[@madhav..3797]

right pura gyan must diya maam ne but aap ne sahi pakda he 😂😂

[@samanyamanus3185]

@@anindian007 🙏

[@puneetyadav4719]

Viewers ko bewkoof samajhte hain ye log.Thumbnail me bhi 30k amount btaya hai.

[@SurajPandey-sk3ne]

fd se vi kum mil raha hia intrest . isse badhiya to fd fd hi hai . pnb 666 days fd 7.25%.

[@Bikramsarkar2004-j5e]

Sbi 400 days ka fd 7 .10% Or senior citizen ke liya 7.60%

[@entertain588]

@@Bikramsarkar2004-j5e kis naam se h fd scheme 400 days vaali

[@DHEERAJ_TOYS]

BRKGB 7.35 444DAY SC 7.9 BRKGB EX. 8.90%

[@Bikramsarkar2004-j5e]

@@DHEERAJ_TOYS brkgb matlab???

[@Bikramsarkar2004-j5e]

@@entertain588 apko sirf bank jake bolna hoga fd karenga

[@DILSEBADE1993]

Isase acha to PPF hai jo badhta jata hai na ke kam hota jata hai. Log paisa badhana chahenge ya ghatana? Agar iske end term me wahi paisa milta to ekbar sochne wali bat thi

[@mahboobkhan6002]

Thanks .😊

[@guneshwarsingh4797]

What will be the return amount after maturity term?

[@ambikagopal656]

Whether interest earned on annuity scheme is taxable,if so how much for senior citizens.

[@hussainkasif4878]

Really is a good investment, Mam if I needed my deposit money back so is possible and how

[@sanjaychhillar6363]

Pls confirm the amount of Principal and Interest against this amount of monthly return.

[@aswathikrishna832]

How do we apply for it ma'am, through app or we need to go to the branch

[@sunilmali8459]

Excellent

[@krishnendudhara5182]

Bahoot achha laga maam

[@ranjitkumarsen6225]

Agar sach hai to Very nice plan hai ma'am

[@fojinagra5501]

Thank you thank you so much

[@anoopkr8815]

Pl give advise if same amount taken as loan by indl from bank, how much he had to pay total amount with interest,guide. Pl

[@JaiAryavart108]

इस प्लान के माइनस क्या हैं, यह नहीं बताया गया है। मान लें कि हमें पहला महीना 5000 रुपए मिला, तो क्या हर महीने हमें यही राशि मिलेगी? क्योंकि जब मंथली राशि में प्रिंसिपल और सूद की राशि शामिल है, तो अगले माह प्रिंसिपल राशि घट जाएगी और फलत: सूद की राशि भी अगले माह घट जाएगी। कृपया स्पष्ट करें।

[@arnavbaishya8429]

If I want to invest ₹1 crore what will be the monthly return and mainly what about the tax rate on 1 crore??

[@vaibhav2412]

Kya mast awaz hai .very sweet

[@Thepremiumadvice]

Nice 👍

[@sharad_creations]

Mam pahili vali mam ko nikal diya kya o myam bohot acche se batati hai

[@selfish_bad_boy_suraj1433]

Great👍

[@parveensheokand1948]

Lic k plan best hai return and risk cover dono milte hai

[@suhailmirza8000]

Mam... Kesa calculate kre.. 1 baar firr se dekho.. Tum bole 5.4 int rate.. chalo 6% hi pakd lete.. toh 1 lakh pe 6k hua yearly.. monthly hua 500 rupees.. ab 500x 20 kro.. 10k hora.. matlab.. 20 L pe monthly 10k milega... Plzz confirm.. I'm rite or wrong..???

[@SarmisthaDebRoy]

what happens aftr 3 years or 5 years to the prinicipal amount?

[@devrawat9211]

principal amount saath me milke hi milegi last me paisa zero ho jayega like emi.

[@anjanmisra7120]

I have reached to my nearest SBI branch, they said no scheme is available in SBI where this much amount u will get through this scheme.. In 10 lacs deposits they said maximum 5000 u will get... So, i can't matched ur words sorry

[@Aryan-sw4ni]

Thats fd interest which is safe and secure .. But what this lady telling is you will get your lumpsum amount monthly..this isn't interest but your lil part of your invested money you will keep receiving untill it exaust....after sometime your all money will be gone.... But in fd we will recieve interest only and original deposit is kept safe

[@hope3398]

After 5 yrs. Principal kuch bachega v ya nahi. 5 Sal khatam 2 lacs v khatam ?

[@user-le3kn4jn3r]

मूलधन+ब्याज की किश्त, केवल डिपाजिटर A/C में जमा होगी अथवा डिपाजिटर के निर्देश पर XYZ के A/C में जमा हो सकेगी ?

[@pratapsaxena5303]

aap koi ghar bana rahe hai ya padhayi kar rahe 3 saal ya 5 saal lag rahe hai regular pesa kharch kar rahe thoda thoda pesa ayega byaj ke sath .. kaam ka kaam safety ki safety pese ki ( comments ) 💯✔

[@roopramsaini9110]

20 lakh jama karne par kiya inkamtex dena hoga. Please batay.

[@samarjeetsingh3805]

Sahi jankari

[@rajeshvjadav3737]

Thanks mam

[@honestman2106]

Ye scheme jo paise lagaye ga wo bhut bara burbak hai, apne hi paise instalment me Lena, ushe accha post office ka join account wala mis karalo kamse kam principal amount to last me milega,

[@stanley8103]

I don't know what is new here Put a lumpsoum fd. Take monthly interest. Or a RD.

[@abhishekmisraji]

great

[@saleemqureshi5614]

Nice plan 1 bar 20 lakh kara do uor bet ke khav 😋😋 ab yeh Yenge kaha se 🙃🤔 chori kari nahi police ka rafda lonlu bank ka rafda bivi ke jewar bechdu bivi maregi kiya karo 20 lakh ka sawal hai only

[@user-qv9vp5gt9d]

Holidays of the Bank be reduced because of financial of the nation to be made strong another main reason is adamant behavior of the staff. So it is necessary to make 6 days वीक फ्रॉम the customer point of views.

[@user-ns5hb7on1q]

Very good

[@prasantgedam-mn2zg]

Pehli bar kheti karne ke liye rupees kahase milenege (koi sarkari yojna) bataiye.

[@shankhadipchakravarthy1900]

Madam, please spread correct information in social media. You are not correct. The payout is quarterly basis and not monthly. I visited my nearby branch of SBI and asked about the scheme explaimed by you. They told scheme is available but not monthly quartely. Monthly one can get 9k approx by investing 20lac lumpsum. So please rectify your payout amount. Thanks

[@ronalddcosta8627]

Madam you told about monthly income but forget to tell about maturity..how much amount getting..if u invest 5 years 20 lac, you will take monthly income..whats the maturity amount..is deducting monthly income what u withdrawn or 20 lacs plus intrest

[@radheyshyammeena8153]

Account close kerne ki ley ki karna huog sir/madem

[@kcjones3434]

Forever grateful and thankful to you, you've changed my whole life, I'll continue to preach about your name for the world to hear how you've saved me from a huge financial debt with just little investment, thanks so much Mrs. Ellen Riley

[@priscalou5140]

Amazing that you know her too. It's only been a few months with her, my portfolio has grown tremendously and i've been making lots of profit

[@deakyjones2135]

I’m new at this, how can I get in-touch her?

[@Alexiamitch]

I had my doubts at first when i came across her name, took the risk to tryout her strategies, i was mind blown on the huge returns.

[@kcjones3434]

you can communicate with her through her telegam user name below

[@kcjones3434]

Investwithriley👍

[@anujpradhanvlogs1520]

Good

[@Jahnvisethiya]

Mam phele har mahine 38087 hame sbi bank de ...to ham 5 saal baad 20 lakh unko return ker dege .yesa ho sakta hai kya plz mam batayega apse request hai😊😊😊😊😊

[@SHRIKRISHNABHAJANIMANDALGAVADI]

Bank se loan lenge to 9 to 10% interest pay Karo, aur Hamare paise Bank me deposit Karo to hame 5-6%.... Wa wa ... Loootoo.🙏🙏🙏

[@_musiano_]

Total Profit: 2,85,271

[@babulalkarada4278]

Super❤

[@bnrao19642]

What happen so the principle amount after the term period please?

[@darkschneider77]

Ara madam calculate karna nhi aata hai kya 2000000 ka montly payout @ of 5.4 ℅ 38000 nhi hota hai

[@hemrajkamble327]

Kya samya Seema pura hone par Hamra Paisa wapas miltaa hi kya

[@jessicanorman2919]

You can't find a better trader on youtube... Just watch and learn

[@youtubeshortsbank942]

All joke😅 अरे भाई FD ही करवा लेंगे, उतना तो FD में भी मिल जाएगा😅

[@Aman13318]

मैडम इस स्कीम में 10 लाख जमा करने पर पर हर महीने क्या 19043 रुपये मिलेगे

[@35-yagnik_faldu27]

2280000-2000000 = only 280000 intrest in 5 year , inflation is more than intrest rate...

[@drswapnilprabhulkar6183]

बैंक से लोन लेने पर जो इंटरेस्ट लेती है, उसी इंटरेस्ट से बैंक पैसे देगी भी क्या?

[@pritvipal65]

For this scheme effective interest rate is approximately 2.8% to 3%.very bad scheme

[@dharmendrajadeja5496]

Best

[@naumankhan32]

Josh money walon kabhi toh achchi scheme bataya Karo itni ghatiya scheme batakar logon ka time waste kyun karte ho

[@subhalabha5196]

What is the difference between annuity deposit scheme and SWP ❓❓❓

[@ei0906832023]

Bilkul sahi koi batayega?

[@VishnuKumar-rp7ik]

Mai bayaj me deta hu 100000×5%×12month ÷100=60000 biyaj 1year Total muldhan =160000

[@letsdoit2410]

Here is majority of students , and students can't afford 20 lack system

[@JoshTalksStockMarket]

You can invest as per your convenience.

[@sidhantmohapatra9645]

@@JoshTalksStockMarket what will happen after 5 yr what would be my principal amount status .

[@rahulshinde2674]

@@sidhantmohapatra9645 . Zero

[@theskyraturi]

​@@sidhantmohapatra96450

[@pragya_06]

Mam plzzzz make vdo for scholarships for students. ..

[@bhaigautamixing.]

In which class do you read.

[@pragya_06]

@@bhaigautamixing. 2 year bcom student

[@bhaigautamixing.]

Where are you from.

[@bhaigautamixing.]

And kon si sem me padhti ho.

[@pragya_06]

@@bhaigautamixing. 4th

[@Deepaanshu84]

Mam is this taxable or not

[@piyushchordiya826]

Yes For tax free buy t-bills by reserve bank

[@seemagrover4228]

Deposit amount is one time or say inr 1000 per month just confused

[@MdArman-yt2ru]

Sannileon ki fan hai aap is me naya kiya hai maja to tab hai aakhir me pura paisa wapas hojaye

[@smartbandhu]

Government ka ek naya Scheme aaya hai jisame aap rs 4000 win kar sakte hai maine video upload kar diya hai welcome to #smartbandhu

[@nileshgoswami2067]

First thanks 👍

[@bechusah5323]

No scheme profit because time is ling duration not high interest

[@indianguy6683]

Who is ready to invest 20 Lakh for 38000 monthly income 😂😂?

[@yoish99]

Me

[@chhelgirigosai6273]

Ma'am kam interest hai post me 7.4% milta hai (MIS Monthaly income scame)

[@abhayrathi1437]

Hamara pesa hame 7ptisat ke biyaaj par kisto me dete h ,to nya kya h

[@manavscience]

38087 will be Annually not monthly

[@prashantchaudhary3884]

Yes its quaterly

[@cement478info]

yes quaterly

[@AbhishekKumar-uq8rt]

It's monthly payout

[@jgorryvlogs5175]

Monthly payment lene ke baad Jo apne amount dala hai ye Paisa bapash Mita hai ya kya

[@sunolshinde6849]

Interest rate bahot kum h....FD me dusre bank me 6.90 h

[@ASHISHKUMAR-gi8xi]

20 lakh jma karke apke hisab se per month 5 sal bad 20 se Kam hi mil rha h mam

[@rajivyadav6970]

Aare madam pay out annually hai,jara baraber betana , monthly calculate kero isko divide karke teb woh intrest hai,kya madam Bahot Kem hai ye ,doosre bank me 7.40 percent hai

[@yuvrajponia-mi7gs]

From where we will get this money

[@krishuexpo1118]

Isme jo 20 lakh jma karenge hum log wo alag se safe rahega na ya wo bhi har maheene kam hota jayega

[@sohampal2366]

Kya mam 5 years k bad monthly 20 lacs main almost 38k pane k bad after 5 years 20lacs bhi return mil jayega???

[@nitinjaganwala3427]

Nahi

[@anilpardeshi-bz9zl]

Very nice scheme

[@avinash3249]

Isase accha to mis scheme me jada interest milta hai 😄

[@PawanSingh-uo1lr]

Kya mera jama kiya amount vahi rahega ya hame wahi tukdo me de rahe hai???

[@venkatparsad]

How it is good when you are not getting any money on maturity? Scheme bahot bakhwas laga. Suppose if I take home loan and buy a house. After completion of loan period on paying EMI, I have my own home. In this scheme you are telling that I don't get anything. What answer I can give to my children. Bakhwas scheme.

[@SukhdevMehta-on1ov]

Gajab 1:19 🎉❤

[@johnstephen5211]

Your calculations are wrong when I discussed with sbi people they said Rs 6000 monthly for 12L deposit for 10 years ...your info is wrong mam

[@brickmania3412]

Madam hamne lagaya huaa Paisa vapis to milta hai na