How to get upto 9.5% returns on FD?

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How to get upto 9.5% returns on FD?

Рет қаралды 236,152

Күн бұрын

If you are still unsure about investing in Fixed Deposits (FDs), this video can help clear your doubts. It covers all the essential information you need to know about FDs and why they are often overlooked in favour of other investment options.
In this video, you'll learn about the advantages of FDs, how to evaluate FDs, and the best times to invest in them.
Wint Wealth offers curated FDs through which you can compare and invest online without any paperwork. By using the Wint Wealth calculator, we will explore strategies for choosing the best FD and maximizing returns while minimizing risks.
Invest in FDs via Wint Wealth: fd.wintwealth.c...
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00:00 - Introduction to FD
02:03 - Why FDs are considered as Bad Instruments?
06:40 - How to pick the best FD?
12:25 - Where should you get FD from?
14:28 - How to minimize risk & get maximum returns?
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Пікірлер: 447

@subhendudas5757 6 ай бұрын

You are simple and care about small investors( Sr. Citizens) that is why we like you. God bless you.

@DeepakYadav-nm6bw Ай бұрын

110%

@KumavatSunil-sj1ii 6 ай бұрын

Disclaimer: No Ankur warikoo is harmed in this video😂😂

@rupakmitra224 6 ай бұрын

Nobody knows whether Ankur warikoo invested in FD😊. Since there is no promotional benefit, he will not in favour of FD.

@sciencetechdocs.3515 6 ай бұрын

😂😂

@miniandrelanoi8401 6 ай бұрын

😂

@Shubham-wr2yb 6 ай бұрын

Ankur warikoo has dumb content. Nothing smart or new.

@akashsolanki5455 6 ай бұрын

Nice 👍

@HopeSteph 6 ай бұрын

The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH.... Stock)

@IncognitoSahil 6 ай бұрын

You bots have gotten too sophisticated these days. Such long comments thread, wow.

@BankingBaba 6 ай бұрын

Some important points please be aware 06:15 and 07:45 Banks have to show interest rate of quarterly compounding only with that they can also use annualized interest rate but they cant promote it with annualized rate. So 7.0% will always be less then 7.1% 10:15 Interest rate cant be different for different amount, It will be same for all except bulk deposits (example of 10 lakh shown in video is incorrect) 10:45 Its again RBI rule to allow premature withdrawal for all deposits under 1 crore. so don't spread wrong information that premature closure is not allowed its mandatorily allowed for all deposits up to 1 crore in all banks. 16:00 You said you can withdraw easily and quickly from that platform, but not mentioned the word same day ? why in your own banks we can get FD closed and get the funds in bank same day. even on holidays with internet banking.

@goolqui 6 ай бұрын

❤❤

@mayankacharya1421 6 ай бұрын

This is what i like about u sir. The true finfluencer in the town. Genuinely u talked sensibly and the bestest investment advice to all of us ❤

@vaishs385 3 ай бұрын

I am thinking of investing in FD from the last few days and this video is the honest one till now. Normal youtubers are saying FD gives very low return. But for people who can invest a small amount don't want any risk. Pls do a video about tds and tax if we do FD. I am naive and very new in investing.

@kamalkumarsharma3005 6 ай бұрын

I am regular viewer of your videos. I am Mathematics Lecturer and i also inspire my friends too. Kindly prepare a health insurance video comparing basics.

@ashishd7081 6 ай бұрын

Couple of points which came out post discussion with the customer care They are upgrading the app, to digital open the ac need to wait for couple of days. Most of the caveats are applicable till 31st March e.g. zero balance, waived charges. Cannot transfer the branch from one city to other city. It would be good to put in more relevant information.

@mountainhunter 6 ай бұрын

Please make video on govt Bound called T Bill.

@ravimix 6 ай бұрын

With All Due respect, Pranjal Sir missed out on Bulk FD and Non-Callable FDs where Banks give extra ROI to the HNI customers who have good wallet and doesn't want to invest in MF and Stock market!! 😎

@ashmait 6 ай бұрын

HNI customers are not his target market

@soulbareilly 6 ай бұрын

Retail investors are the targeted audience 😊

@shikhasri7183 6 ай бұрын

Aap ki advice pr muhjy bhut trust rhta hai

@prabhjotsiddu92 4 ай бұрын

FD is the best investment. I have tried every other and ultimately reinvested in FD in public sector banks.

@soulbareilly 6 ай бұрын

Responsible KZfaqr ❤ , truly he is 😊

@SiddheshwarKinagi-oj3hm 2 ай бұрын

सर जी आपने FDs के बारे में बहोत अच्छी जानकारी दे दी है आपका बहोत बहोत धन्यवाद 🙏🏻

@parag7757 6 ай бұрын

Unity SFB was previously PMC bank.

@anuragmeena3944 6 ай бұрын

If you are considering Unity Small finance bank FD , you should know that though FD can be opened online , but in case you wish to break it as on date, the amount will be transferred to a Unity Small Finance Bank saving account which will be compulsorily opened when you book a FD with this bank . This bank doesn't have mobile/net banking/UPI or even debit card facility as on date....this is my understanding from reading tnc on wint wealth and website of the bank. Please correct me if I am wrong.

@ankitruparel5859 6 ай бұрын

This is correct, but you can get in touch with Wint Wealth and get the money back to source account in 24-48 hours.

@ayushkhanna1996 6 ай бұрын

Thanks. But then how someone will withdraw their money online? Do they have to go to branch for that?

@padalapraveen9549 5 ай бұрын

As of now. Yes we have to approach nearest branch

@Sakshamm07 5 ай бұрын

This idiot missed such a crucial piece of information. My mistake too I blindly went for this combination after watching this video.

@harishnagaraja9503 6 ай бұрын

About mobikwik please explain whether to invest

@preetkherha 6 ай бұрын

Your body language is similar to the sidharth. (SID TALK).. GUDD BRO

@PranayLadha 6 ай бұрын

Pranjal the Fd rate of Utkarsh Bank on it’s official website is higher then what is shown on Wint. For eg 2 years to 3 years in Utkarsh is 8.5% and Wint does not have interest rate of 8.5% it shows 8% or 8.25%. If they are not showing correct data then how can we trust such sites for investment.

@WintWealthYT 6 ай бұрын

Hi Pranay, thanks for bringing this to our notice. The details have been updated on the calculator. We regret any inconvenience caused and will strive to do better.

@inki372 6 ай бұрын

Sir appka video dekh k mujhe bohut Sikh ne ko mila ❤

@M0iM0i14 Ай бұрын

Dude your the one in this whole stuff , hats off to you .

@gopalkrishnadandagi2993 Ай бұрын

Hi Team... Curious to know... whether we can invest in fd in Zimbabwe when current highest interest rate is 110%? 🤔 Our money (INR) will grow to 30% approximately in 18 months after currency conversions... But need to check international financial policies and procedures... 🤔 Any views, suggestions... please help to understand little more on this... thank you

@user-uw1bd1ro9n 6 ай бұрын

Shadi karte hi sir ki first video on FD 😉❤

@puneet_manav 6 ай бұрын

😂😂 priorities bro

@gauravpal6138 6 ай бұрын

And sadly FD from a entity with limited backing!

@khushbookumawat7302 Ай бұрын

Genuine 🎉 information sir

@shaik_ghouse_67 6 ай бұрын

Waiting for mutual fund series about money diversification...how much money need to invest on those mutual funds which you had uploaded on previous videos,u said like we will make one other video how to investing on those funds with how much money for each fund ....

@ashueshu 6 ай бұрын

Hi Pranjal, investment in US stocks through US S&P 500 (Ind money app) is better or through Indian AMC (Motilal Oswal etc....). Please guide. Thanks

@Decoloniality_Bharat 6 ай бұрын

Q ) Pranjal sir financial content creation kuch bhi bolte hai A ) Ankur wariko mujhe kyu toda 😂😂😂

@vasuchauhan9723 6 ай бұрын

Post office me fd karaao best. No capital risk. 5 yr FD 7.5% quarterly compounding. Senior citizen 8.2% 5 yr. 100% govt. Security.

@sambose8243 6 ай бұрын

NSC gives 7.7%, higher return than SCSS

@vasuchauhan9723 6 ай бұрын

@@sambose8243 it's scss 8.2% . And 8.2% is higher than 7.7% in my knowledge of math.

@sambose8243 6 ай бұрын

Yeah but NSC compounds more frequently, probably quarterly so 7.7% yields more than 8.2% after 5 yrs. You can use any online NSC, SCSS calculator to verify 😃

@vasuchauhan9723 6 ай бұрын

@@sambose8243 yes. but scss int quarterly payable. For e.g 1,00,000 gives you 2,050/- ₹ quarterly. On which in saving acc you'll get 4% or you can withdraw also for your upcoming planning

@parulkubba Ай бұрын

NSC interest rate is higher in post offices.

@yogeshborse8099 6 ай бұрын

Your name means Honest, you justify your name to the best.

@shaktiswarajsahoo1713 6 ай бұрын

Finally a video after a long time

@jyotiranjansahoo2196 6 ай бұрын

Bhai ka shadi tha na

@sagpandu 6 ай бұрын

Its better to have a video with some actual content in it instead of one which are released every day with shallow content. The ones which just feed the algorithm

@shaktiswarajsahoo1713 6 ай бұрын

@@jyotiranjansahoo2196 😯 😯

@aniruddhayenaskar6353 6 ай бұрын

Hi Pranjal, can RBI bond be better option over FDs... Can you help us with a video on comparison 😊. Thank you.

@maganindustry6013 6 ай бұрын

Yeah traeasury bills

@arrowhunter7977 6 ай бұрын

It's been a long time pranjal dada❤

@SunilKumar-gu9xh 6 ай бұрын

Very good jankari namaste sir👏👏👏🙏🙏

@user-is8cl6qc2u 6 ай бұрын

Make a video on "How to Invest in bonds"

@ayonsengupta3633 6 ай бұрын

Hello Pranjal jee, how can Direct Stock Investors receive Compound Interest? Not through Mutual Fund but by directly buying shares. Even the dividends paid out are not always the same that can be reinvested and are often quite low... Another thing, for example, an investor who bought shares of a company like Coal India on 30th March 2011 at 407.35/- is definitely not enjoying any compounding at all even after 13 years as the share price went down and now up again around 402.55/- .... If possible, please make a video on this...

@priyasubramanian89 2 ай бұрын

You are amazing Sir. You are so honest. Love your videos. May God bless you.

@jbking8221 6 ай бұрын

How to get maximize return in stock market without too much risk taking.... Plzz make a video on it sir ❤❤❤❤

@anuragjaguri2585 6 ай бұрын

Index fund mei invest karo long term ke liye bus bina risk ke

@harishstarharish 6 ай бұрын

How is SBM Bank is good or bad

@debabratagarai4960 6 ай бұрын

You are my favourite pranjal ji. I am from Bishnupur, bankura in west bengal. Only for you I trust like all your recomended investment platfrom. Thank you

@anweshamukherjee2298 5 ай бұрын

Valo laglo apnar comment ta pore

@Nishiskitchenrecipe 6 ай бұрын

Thanks for guiding us

@navalkumarshukla1839 5 ай бұрын

Just one point to be noted: 5 lakh include both principal and the interest you will gain, so invest accordingly

@shreyashdakhore1946 6 ай бұрын

Fd ke liye psu bank sabse safe option hai , i think🤔

@lifestyle-xv8ho 6 ай бұрын

Your videos are fabulous

@shikhasri7183 6 ай бұрын

I m beginner and 42 yrs old home maker but Pranjal aap ki why sy mainy investment shuru kiya

@kitten_with_bad_breath Ай бұрын

Milf! 😍

@satyabratasahu1122 4 ай бұрын

If I make FD in small finance bank and take monthly interest and invest that monthly amount in good sip mutual fund, will this be a good investment or I must go for long period FD and get maturity ? kindly suggest your view point.

@paapigamer 6 ай бұрын

Include paid promotion option on nahi ki? You should do it according to the new guidelines

@LittleKooool 6 ай бұрын

He should be reported

@abhijeetrathore6072 6 ай бұрын

Thanks Pranjal

@liponbhattacharjee7756 6 ай бұрын

Where is your list of best stock 2024 ? You told us that you will make a video on best stocks

@degreerising 6 ай бұрын

yes bank kind of scenerio , poor lending nbfc, small bavk are generally at risk of liquidy..( silicon valley bank kind of scenerio), bad loans by bank management then..there is a big risk in FDs as well, problem is FD long duration mature period can cause trouble for people to operate account..how support will come.. nearby bank comes handy and people tend to give support ..wint wealth may become single point of failure or should open branches in evey nuck and corner

@akrammohammad7377 6 ай бұрын

Sir waiting for 30 January eagerly... To see stock recommendations 😍😍🙏

@nandkishormukhiya5043 6 ай бұрын

me too waiting.. is this be on youtube

@rahulkumaryadav9381 6 ай бұрын

He will just recommend sector He will never recommend stock

@mohsinahmed1485 6 ай бұрын

Sir IDFC First bank ka Hdfc life sanchay Paar advantage ke baare me bataiye, please 🙏

@sagarthedeepsea6804 6 ай бұрын

Dear sir, Thanks for everything. Bcz of u only,I have started my investing .. Sir ,i would like to raise one point about your finology app..whenever ,we see investors in your app(on mobile ),we face lot of problems to slide table to see their quarterly score ,the same issue with promoters section also..kindly update and try to fix asap...

@parulkubba Ай бұрын

Thanks for the info, however, i am very surprised that you didnt tip ppl about sweep-in facility here to enable them to maximize liquidity and avoid premature penalties!

@pankajdewraja4940 6 ай бұрын

Mobikwik app main 12%(anytime withdrawn) aur 12.99%(1 year lockin) fd rate dey raha hain Sir ... ish main v ek video bonaye

@vimibhasin3531 6 ай бұрын

You helped me to understand few basics thankyou. Just a suggestion if you could make videos on basics of finances like IT returns for non salaried people fir tax benefit ahead 50 to 60

@amaleshsarkar5405 6 ай бұрын

what happens when the winwealth shuts down? Post which do the customers get back their money in the proper account?

@IncognitoSahil 6 ай бұрын

You are investor in wint wealth and the guy who shouts don't buy FDs is also an investor in it. Oh the dilema 😮‍💨

@sameerdeshmukh6362 6 ай бұрын

Till date you used to proudly say that your videos are not sponsored, now you have also joined that list is it?????

@vardaanjaathr10 6 ай бұрын

Sir you are our future can you make video on stock market in one video new subscribe

@krishnendupal3687 6 ай бұрын

Good lesson for us👍👍👍👍👍👍

@param2321 6 ай бұрын

Bahut dino bad app ko delh kar acha laga

@saurabhkesharwani6143 6 ай бұрын

Q. So can I make an FD through Wint Wealth itself? Q. Can my deposit be verified by that particular bank, as their own customer? Q. Then who will issue me the deposit certificate, Wint Wealth or that particular bank? Q. Tomorrow if for any reason Wint Wealth does not exist, will the particular bank treat me as it's customer? Q. Can I deposit with multiple banks with one time KYC with Wint Wealth, or how is it?

@Sakshamm07 5 ай бұрын

Dont make FD via Wintwealth. Also choose a more renowned bank such as AU or utkarsh sfb

@saurabhkesharwani6143 4 ай бұрын

@@Sakshamm07 Why you said not to invest with WintWealth? 🤔 Please reply. Secondly, your comment is Highlighted, how does that happen? Can we highlight our own comment or does the channel owner highlights it?

@praveenb4701 6 ай бұрын

Hi sir, can you make a video on how to claim that insurance which is of 5lac? What is the process to be followed just in case.

@kabirmachal4802 6 ай бұрын

Hi pankaj ji Want to know about turm Insurence recently i pay for insurence but they chenge primum after medical they charge extra amount they you will be dibitic in future thats why my premium change .. I talk with my friends he said same did with him without dibitic they charge premium please make one video for this

@archanan4656 6 ай бұрын

Why only bank?? Kindly mention about Postoffice savings schemes too ....

@ujjallaha 6 ай бұрын

Please make a video on "Tata capital" app.

@rajeshranjan6500 6 ай бұрын

Thanks

@suvoss821 4 ай бұрын

You r a honest person 😊 hare krishna

@giri986 5 ай бұрын

Is auto sweep facility good or bad in SBI savings plus account.... please explain sir

@saikat_saha_ 3 ай бұрын

Good

@techrama9642 5 ай бұрын

Pranjal bhaiya thank you

@dipakdutta4521 2 ай бұрын

Wint wealth fd maturity hone ke baad kaise redeem karte hai , sir Please make a video on that process

@Arun-hg6cf 6 ай бұрын

Make a Video On RBI Bonds🙏

@patelyogesh5372 2 күн бұрын

Sir, Mobikwich pe video બનાવો. Kitna Risk he. Security kya he.

@jatinkakkar5138 6 ай бұрын

Want a suggestion If i have money so taking a loan against fd is good option or not for renovating my home As for 1-2 % burning complete corpus of 20-25 lakhs is ok or playing with bank money is good idea Taking into consideration money is in good bank saving account

@nishantsingh7431 6 ай бұрын

According to you 5 lac is insured to use zada ka fd should be unsafe, correct. Then 5 lac pe 9% interest k according 15 saal me b total principle + interest = 19 lac hota h. Is rakam me kya aapka baccha education b le sakta h, shayad nahi aap jante h. Inflation rate for 2023 was around 5.69%, 19 lac ko inflation se adjust karne pe 15 saal me 8.2 lac hota h. Gareeb ko hamesha Gareeb banaye rakhne ki bhadiya scheme h FD. Safe safe k chakkar me saalo se Gareeb hi reh gye hum log. " Invest some amount that you don't need for next 10-15 years (ye soch kar k ye doob gya) and keep investing in smallcap/midcap funds for wealth creation (agar daldal se bahar nikalna h to)" Sabse bada risk to risk na lene me h. 15 saal, 15% aur 15 hazar calculate kar lo 1cr hota h. PATIENCE is the KEY.

@prashanttiwari3884 6 ай бұрын

Interest you can withdraw but that will harm compounding

@user-jk5jh9gx1u 6 ай бұрын

Sir, I like your videos, please upload it regularly

@ramsushilmishra9167 6 ай бұрын

sukanya vs sip for government employees..wich is better option.

@ashx10 5 ай бұрын

Check interest rate Compounding frequency Tenure of days, amount check Safety, premature penalty

@satyam8714 6 ай бұрын

Sir FD to 40,000 rupees interest se above taxable hoti hai.. ✅

@merchantguideglobaljaat9534 6 ай бұрын

Sir, i had a doubt. I have an auto renewal FD quarterly. I wanted to ask which ROI will it take at the renewal time? Current or the one when I started?

@ujjwalfalwaria 19 күн бұрын

Always current, because fd rates keeps on changing

@DeepakYadav-nm6bw Ай бұрын

Badiyaaa admei hai. ...

@tarumoydeep 5 ай бұрын

Hi Pranjal, i have a question, in RBI guidelines upto 5L insurance, how does it work. suppose if I have invested in any small finance Bank, and in any way it defaults after 2 years, then I will get my invested 5L only or 5L + interest earned in 2 years?

@pranaygupta8917 5 ай бұрын

You can get a maximum amount of 5L(including intrest)

@mr.pathan8476 5 ай бұрын

@@pranaygupta8917nahin, no interest, only pricipal. Mr Gupta please 😮

@saikat_saha_ 3 ай бұрын

@@mr.pathan8476bro you are false.

@factoapk6525 6 ай бұрын

Hlo sir ! .I wanted to request u to make a video on when to exit from market in detail ,this is the problem at the time of investing

@premsinghppp7454 6 ай бұрын

Thank you sir

@shahzansid 6 ай бұрын

Welcome back sir

@chhavibidla9867 6 ай бұрын

Sir pls make a series of financial knowledge for college students

@user-gd3kz6tv6b 6 ай бұрын

Achi baat khi hai sir 🎉🎉

@user-fi1tr5zw8f 6 ай бұрын

My favorite finfluencer because of firstly I decided to do trading but after watching your videos I've becomed vice versa. Currently I just wanted to do fundamental analysis by just learning about it

@mangofruitiam 6 ай бұрын

Means? You don't trade after watching his videos? And what's "becomed"?

@user-fi1tr5zw8f 6 ай бұрын

@@mangofruitiam i will become investor

@Abhinav_Says 13 күн бұрын

You can do both :)

@madansingh6418 6 ай бұрын

Please.... please make a video of Shares landing and borrowing mechanism (SLBM) ❤

@CristianoRonaldo-ng9wx 6 ай бұрын

aapka sahi hey bhai corses becho , karodo may kamao aur FD karo .

@santoshlad-bs3ly 6 ай бұрын

Please meke video on Retirement planning Best SWP mutual funds and other investment in post office

@mr.kevilrrr14 6 ай бұрын

Sir sip or lumpsum ka video bnao

@ajeetdeginal 6 ай бұрын

Please anyone answer : In Atal Pension Yojana: After demise of Subscriber and Spouse, corpus amount will be given to Nominee. What if the spouse is the nominee as well, Does the spouse get corpus as well as pension till death?

@Khushi30112 6 ай бұрын

Thanku sir🙏🙏

@VikashKumar-qc2im 6 ай бұрын

Thanku sir

@AnkitKumar-fu3wk 6 ай бұрын

Long time guru ji ❤

@nikhilinamdar1043 6 ай бұрын

What do you think on neo banks?. will those be safe for FD?

@adityakalwani4144 6 ай бұрын

Sir I want to start swing trading and positional trading Plz make a video and clear that is it ok to do And which one is best swing/positional/long term investing Plz sir