നിങ്ങൾ ചിട്ടി അടക്കുന്നത് ലോൺ എടുക്കാനോ?ഇൻവെസ്റ്റ് ചെയ്യാനോ?

നിങ്ങൾ ചിട്ടി അടക്കുന്നത് ലോൺ എടുക്കാനോ?ഇൻവെസ്റ്റ് ചെയ്യാനോ? | How Chit funds work?

Рет қаралды 586,850

2 жыл бұрын

In this video, Mr Nikhil examines in detail how chit funds work and whether chit funds can be considered similar to investment? He also suggests an alternative to chit funds.
00:05 Introduction
01:10 How Chit funds work?
05:07 What is the benefit of chit fund?
06:02 Risks with Chit funds
06:38 Note these before joining for chit funds
07:17 Are chit funds similar to investment?
08:09 Alternative to chit funds
11:00 Conclusion
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Take an appointment : talkswithmoney.com/
What’s app : bit.ly/2NrlGEw
Call : +91 95673 37788
Email ID : nikhil@talkswithmoney.com
You tube : / @moneytalkswithnikhil
You tube ( English) : / @talkswithmoney2283
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Пікірлер: 1 100

@voiceofaltar8841 2 жыл бұрын

നിഖിൽ സാർ ഉപദേശിച്ചു ഉപദേശിച്ചു എന്നെ നന്നാക്കി... 🥰🥰🥰Now i am enjoying the financial discipline..2 വർഷമായി പണയം വെച്ച സ്വർണ്ണങ്ങൾ എടുത്തു കൊടുത്തപ്പോൾ ജീവിത പങ്കാളിയുടെ മുഖത്തെ സന്തോഷം 🥰🥰🥰🥰🥰

@MoneyTalksWithNikhil 2 жыл бұрын

🤝

@MoneyTalksWithNikhil 2 жыл бұрын

Super❤️

@voiceofaltar8841 2 жыл бұрын

@@MoneyTalksWithNikhil Grow ആപ്പിൽ 5 SIP യും തുടങ്ങി.. 🥰60kകഴിഞ്ഞു 😍

@shabnamkavumpurath8269 2 жыл бұрын

Great achievement voice of Altar

@voiceofaltar8841 2 жыл бұрын

@@shabnamkavumpurath8269 Thanks😍🙏🏻

@mansoortmpz 2 жыл бұрын

ഞാൻ 10 വർഷമായി KSFE customer ആണ്... 2 ചിട്ടി നിലവിൽ ഉണ്ട്... അതു തീർന്നാൽ KSFE യുമായിള്ള എല്ലാ ബന്ധവും നിർത്തും... വല്ല ആവശ്യത്തിനും ബ്രാഞ്ചിൽ പോയാൽ വല്ല പിച്ചക്കും പോയ അനുഭവമാണ് ...

@binoyvishnu. 2 жыл бұрын

1. KSFE ലെ ജീവനക്കാർ ക്ക് അവിടെ വരുന്ന coustomer നോട് ഒരു മര്യാദയും കാണിക്കുന്നില്ല എന്നതാണ് സത്യം. 2. 5% തുക ചിട്ടി കമ്പനിക്ക് ( KSFE ലും ഈത് തന്നെ നിരക്ക് ) 3. ചിട്ടി ഇടയ്ക്ക് പിടിക്കാൻ ഉദ്ദേശം ഇല്ലെങ്കിൽ മാത്രം KSFE ൽ ചേരുക . Government ഉറപ്പ് ഉള്ളത് കൊണ്ട് പണം തിരികെ കിട്ടും . PVT പൊട്ടിയാൽ ?????? 4. ലോൺ എടുക്കുക എന്നതിനേക്കാൾ ലാഭം ചിട്ടി തന്നെ

@graamam6782 2 жыл бұрын

എല്ലാം ക്ലാവ് പിടിച്ച ആൾകാർ ആണ്‌ നാം പിന്നിലേക്ക് നിൽക്കരുത്. പ്രശ്നങ്ങൾ ഉണ്ടാകുമ്പോൾ അവരോട് നന്നായി സംസാരിക്കണം. പരാതി നൽകണം

@susanvictor1981 2 жыл бұрын

100 percent true....

@muhammedsaheer7453 2 жыл бұрын

അവിടെ പെൻഷൻ ഒക്കെ വാങ്ങുന്ന ബൂർഷകൾ ഉറങ്ങുന്നുണ്ടാകും.

@santalumpaniculatum38 2 жыл бұрын

തനി സര്ക്കാര് ഉദ്യോഗസ്ഥൻ്റെ ശൈലി.. ഒന്ന് ചിരിച്ച് കാണിക്കുകയോ സാധരണ ആളുകൾക്ക് മനസ്സിലാകുന്ന രീതിയിൽ മനസ്സിലാക്കി തരുകയോ ഇല്ല.. വമ്പൻ മുതലാളിമാരുടെ നിഴൽ കണ്ടാൽ എണീറ്റ് നിന്നു തൊഴും. സാധരണ ആളുകളോട് പരമ പുച്ഛം.. ജീവനക്കാർക്ക് നല്ല ട്രെയിനിങ് കൊടുക്കണം. കുറേ അലവലാതി പെണ്ണുങ്ങളും കൂതറ ആണുങ്ങളും ഉണ്ട്.. പുറത്ത് എന്ത് നടക്കുന്നു എന്നറിയാത്ത ഊളകൾ ..

@user-oy3db9hl6u Жыл бұрын

Thank you sir for your very valuable knowledge I could have invested more in my Sip earlier.

@abhis1731 Жыл бұрын

ചിട്ടി ലാഭമോ നഷ്ട മോ എന്ന് തീരുമാനിക്കുന്നത് ഓരോരുത്തരുടെ സാഹചര്യം പോലെയും അതു എന്തിനു വേണ്ടി ഉപയോഗിച്ച് എന്നതിനെയും ആശ്രയിച്ചാണ്

@MoneyTalksWithNikhil Жыл бұрын

Correct 👍👍

@manueljoseph5060 Жыл бұрын

താങ്കൾ പറഞ്ഞതാണ് സത്യം .

@ponnachantk142 Жыл бұрын

നല്ല അറിവ് കിട്ടി Thanq sir...

@jayakumarag7850 Жыл бұрын

Eniku nashtamayi.

@sreedharanpv5846 Жыл бұрын

KSFE ചേർന്നത് കൊണ്ട് എന്റെ പണം പോയില്ല😊. Pvt ചേർന്ന സുഹൃത്തിന്റെ പണം പോയി😢

@mathewskariah6304 Жыл бұрын

This benefit will go as commission, gst and other charges. Even government run chittis are also charging. Recurring deposit is better for saving. Two instalments are the commission...plus some other charges in ksfe too

@majojohny5087 Жыл бұрын

വികലമായ കാഴ്ചപ്പാട്!! ചിട്ടിയുടെ എല്ലാ മേഖലകളെയും ഉൾക്കൊള്ളിച്ചിട്ടില്ല. നൂറ്റാണ്ടിലേറെ പഴക്കമുള്ള ഒരു പണമിടപാട് സമ്പ്രദായമാണ് ചിട്ടി. മോശപ്പെട്ട ഒരു സേവിംഗ്സ് ആണ് ചിട്ടി എന്നുണ്ടെങ്കിൽ, എന്നേ ആളുകൾ അത് ഉപേക്ഷിച്ചേനേ.. മ്യൂചൽ ഫണ്ട് നല്ലത് തന്നെ. പക്ഷേ അതിൻ്റെ ദോഷങ്ങൾ ഒന്നും പറഞ്ഞു കണ്ടില്ല. ചുരുങ്ങിയ പക്ഷം, 'mutual funds are subject to market risk' എന്ന അവരുടെ ആപ്തവാക്യം എങ്കിലും പരാമർശിക്കാമായിരുന്നു. ഒന്നിനെ ഉയർത്തിക്കാണിക്കാൻ മറ്റൊന്നിനെ താഴ്ത്തി കെട്ടരുത് 🙏

@user-pt1mc2zm1f Жыл бұрын

Nikhil angerude mutual fund business promote cheyyaan thettaaya message prekshakark kodukkunnu. Athathanne

@aksrp258 Жыл бұрын

Noottandu pazhakam ullatukond lokathu oridathum ipo chitti illa. Indian subcontinentile mandanmar matram ipozhum tangayanenu paranju nadakunu.

@james4402 Жыл бұрын

ഇയാൾ മൂച്ചൽ ഫണ്ടിന്റെ ഏജൻറ് ആണ്

@ramdasva5622 Жыл бұрын

Yes,,,

@baby24142 4 ай бұрын

What he saying is right .but instead of taking loan u can opt for chitty and pay the loan

@rsivadaskerala6744 Жыл бұрын

Thank you sir. 🙏🏻🙏🏻🙏🏻 very useful 👏🏻👏🏻👏🏻👏🏻

@sujithkeerthiveedu5263 Жыл бұрын

വളരെ ഉപകാരപ്രദമായ വീഡിയോ ആയിരുന്നു നന്ദി.

@sanalkumarannairr6174 Жыл бұрын

Kindly give a lecture regarding share market. Thank you so much

@nailedit6430 Жыл бұрын

ഞാൻ ലോട്ടറി എടുപ്പ് നിർത്തിയത് സാറിന്ടെ വീടിയോ കണ്ടതിന് ശേഷം ആണ് എന്തോ ഒരു വശ്യത ഉണ്ട് താങ്കൾക്ക് നന്ദി

@bhuvanapulikkal7708 Жыл бұрын

വളരെ ഉപകാരപ്രദമായ വീഡിയോ,🙏🙏

@jyothilakshmipiravom4549 Жыл бұрын

Good information, thanku

@sasidharan.m8870 Жыл бұрын

KSFE യിൽ ചിട്ടി ചേർന്നയാളാണ് ഞാൻ. കിഴിവ് കുറവായതിനാൽ കുറി വിളിച്ച് അവിടെ തന്നെ നിക്ഷേപിച്ചു.KSFE അടക്കേണ്ട tax ഉം തുക അവിടെ തന്നെ deposit ചെയ്തിട്ടും documentation ചാർജും ഈടാക്കി. നമ്മൾ security ആയി നൽകുന്നത് സ്വർണ്ണമാണെങ്കിൽ കാലാവധി ആവുന്നതിനു മുമ്പ് അത് ഭാഗികമായി തിരിച്ചു വാങ്ങിയാൽ അതിനും documentation ചാർജ് വാങ്ങും. എന്നാൽ ചിട്ടി ലാഭമല്ല എന്ന മുൻ വിധി ശരിയല്ല. അവനവന് പണത്തിന്റെ ആവശ്യത്തിന്റ തോതനുസരിച്ച് ആയിരിക്കുമത്. എന്തായാലും ഒരു mutual fund agent ആണ് പറയുന്നത് എന്ന് വ്യക്തം. Mutual fund ന്റെ risk നെ പറ്റി പറഞ്ഞില്ല

@visionstudioplr Ай бұрын

Than ksfe ude aalanalle

@abdulazees Ай бұрын

K s f e ചോറയാണ്

@rafeekok9286 Жыл бұрын

ബാങ്ക് FD ഇടാൻ AMOUNT ഒരുമിച്ച് ഇടേണ്ടി വരില്ലേ... കുറിക്ക് തവണകൾ ആയി അടിച്ചാൽ മതിയാകുമല്ലോ... അതാണ് അതിന്റെ അട്ട്രാക്ഷനും...

@hidayathkalarikkal8428 Жыл бұрын

റെക്കറിങ് ഡെപ്പോസിറ്റ് തുടങ്ങുക

@gopikadas6236 4 ай бұрын

FD thudanganda, RD thudangiyal mathiyalloo. Interest um kittum, otta cash polum nashtamavilla. Pinne otta adikku valya amount kayyil pettennu kittillenneyullu.

@sreyashijan8537 7 ай бұрын

super information.... Thank you sir...

@yathi1947 Жыл бұрын

Thanks sir, quite informative. I was confused for joining Ksfe, the main part is, if we had to stop in between, there is no proper guidance about the money we already paid

@amarhassan5062 Жыл бұрын

Hi, if we stop in between we are screwed. The paid Money will be on hold until they find alternate subscriber. If they can’t find an alternate subscriber for our replacement then money gets hold until full chitty period. I learned it in hard way. Hope this helps you. Best wishes

@caesarmathew4322 10 ай бұрын

I calculated with an actual one from KSFE and return is around 11 %, however if you get the lot early and invest that amount and hence the return from that investment minus monthly payment to chit, this figure will be very less and hence net monthly payment can be significantly low, considering time value of money this can increase the net return beyond 11% , though i am not a fan of chits.

@graamam6782 2 жыл бұрын

Ksfe കുരികൾ ലോൺ എടുക്കുന്നതിനേക്കാൾ ലാഭം ആണ്‌. അല്ലാതെ ഇൻവെസ്റ്റ്മെന്റ് ആയി കരുത്തരുത്

@Nirmal_Hegde 3 ай бұрын

loan edukunnathu tanne nallathalla.. house loan, education loan, property purchase loan okke okey.. anavshyamaya personal loan okke not a part of fininacial discipline.

@ullask4761 7 ай бұрын

Very good information, thanks.

@kunhukuttankrishnankutty8420 Жыл бұрын

Very well explained. Thank you.

@lathavp9449 2 жыл бұрын

സാർ, സാറിന്റെ വീഡിയോ കണ്ടു ഞാൻ ഒരുപാട് കാര്യങ്ങൾ പഠിച്ചു thanku so much

@MoneyTalksWithNikhil 2 жыл бұрын

Thank you

@mmmmmmm2229 2 жыл бұрын

@@MoneyTalksWithNikhil ചിട്ടി പിടിച്ച തുക അവിടെ FD ആയിട്ട് ഇട്ടാൽ ലാഭം കിട്ടും നീണ്ട കാലയളവിലെ ചിട്ടി ആയിരിക്കണം എന്ന് മാത്രം

@MoneyTalksWithNikhil 2 жыл бұрын

@@mmmmmmm2229 ok

@james4402 Жыл бұрын

Mutal funds are Subject to market risk

@madanmohan3680 Жыл бұрын

Very good presentation. Nicely explained the hidden facts relating to chitty investment. Thanks👌👌👌

@MoneyTalksWithNikhil Жыл бұрын

Thank you

@rajendranpmenon 2 жыл бұрын

Thank you very much. Very helpful indeed.

@MoneyTalksWithNikhil Жыл бұрын

🙏🙏

@user-wh2zg7ni6u 4 ай бұрын

Very good presentatoin. Thank you sir

@rajans630 2 жыл бұрын

Thank you sir for the very good presentation. It would be nice if you could do a video on how inflation/stagflation impact stock market.

@MoneyTalksWithNikhil 2 жыл бұрын

@anoobkb1 Жыл бұрын

Thank you Sir for the awesome idea. I dont know about this. For others reading this, there is a lot of service charge and amount loss. ഞാൻ ഒരു 1.2L inte chitty വിളിച്ച്. ഗോൾഡ് എന്ന pledge ചെയ്തേ. അവർ അതിന് വരെ സർവീസ് charge മേടിച്ച്. അവസാനം കിട്ടിയത് 1L and നിസാര paaisa ആണ് കിട്ടിയത് 😭😭😭

@sreekanthv.s4555 Жыл бұрын

Thankyou sir for your guidance in how to invest savings money.ur vedeo is very helpful to me.

@ranganathannagarajan5270 Жыл бұрын

Excellent comparison.

@georgekpaul889 2 жыл бұрын

സർ പറഞ്ഞത് പകുതി മാത്രമേ സത്യമുള്ളൂ. ചിട്ടി കൃത്യമായി അടച്ചാൽ അവസാനം ലഭിക്കുന്ന പണത്തെ പറ്റി പറഞ്ഞിടത്ത് നേരത്തേ ചിട്ടി വിളിച്ച് deposit ചെയ്താൽ ലഭിക്കുന്ന പലിശയെ പറ്റി മറന്നു.

@prassannakumar7132 2 жыл бұрын

അത്യാവശ്യം വേണമെങ്കിൽ കുറിതന്നെയാണ് തല്ലത് അത് ഒരിക്കലും KSFE ആകരുത് എന്നുമാത്രം സാധാരണക്കാരന് KSFE ശരിയാവില്ല. പിന്നെ ലോണിന്റെ കാര്യം 5 L ലോണെടുത്താൽ 10 L അടക്കണം അപ്പോഴും ചിട്ടിതന്നെ ബെസ്റ്റ്

@user-pt1mc2zm1f Жыл бұрын

Ksfe yude viswasthatha vere oru chitty companiyil ninnum kittilla.

@manava6515 Жыл бұрын

ഉപകാരപ്രദമായ വീഡിയോ നന്ദി

@deepamohan772 Жыл бұрын

Thanks for great information ,I had an doubt

@mukundnk2673 Жыл бұрын

Nikhil sir said it exactly.. Mutual funds always right.. I am Mutual funds investor for last five years and now annualized return is 19%. Even it is 12% also better than any other investment. I got bad experience in Chitti also. 3.5% is the two year chit return I got. So I stopped Chitti and continuing in Mutual funds. Thanks to Nikhil sir for giving a Very good advise to the people those who are looking for savings for future.

@MoneyTalksWithNikhil Жыл бұрын

🙏

@RajeevJose-gf6sv Жыл бұрын

Hi bro can I connect with you for some options. I am new in MF, recently started

@MoneyTalksWithNikhil Жыл бұрын

@@RajeevJose-gf6sv Yes. Please mail to nikhil@talkswithmoney.com

@baby24142 4 ай бұрын

Which mutual fund u have taken

@sureshbabug2409 2 жыл бұрын

Mutual fund investments പ്രോത്സാഹിപ്പിക്കുന്ന എല്ലാവരും എപ്പോൾ നിക്ഷേപം പിൻവലിക്കണം എന്ന് ഉപദേശം നൽകാറില്ല മാർക്കറ്റിൻ്റെ സാങ്കേതിക പദങ്ങൾ അറിയാത്ത ഈയാം പാറ്റകൾ ആയ retail investors ന്. പണം നഷ്ടമാകുന്നത്. ആരും അറിയാറില്ല. ലാഭം കുറഞ്ഞാലും മുടക്കിയ പൈസ കിട്ടുന്ന നിക്ഷേപം തന്നെ നല്ലത്

@MoneyTalksWithNikhil Жыл бұрын

@akmanojanakmanojan8365 Жыл бұрын

ഞാൻ 2 ലക്ഷം മൂച്ചൽ ഫണ്ടിൽ നിക്ഷേപിച്ചു 2വർഷം കഴിഞ്ഞ് പണം തിരിച്ചെടുത്തപ്പോൾ അടച്ച പണം മാത്രം കിട്ടി ഭാഗ്യം

@timetravel099 2 ай бұрын

Correct. Mutual funds Samayath withdraw cheythillel adacha muthal polum kittilla.

@michaeljoseph4530 2 ай бұрын

Thett mf engane work cheyunth ariyand anu thangale samsarikune mf short term anuarich ull debt fundukal or index fundukal iduk.Debt fund preferable otherwise long term kond varenam.Pinne market idiyumbol ale pinvalikende avide anu kooduthal idande ilel loss avum

@timetravel099 2 ай бұрын

@@michaeljoseph4530 eppo vilkanam ennu matram aarum parayilla

@padmakumari2941 Жыл бұрын

Sir, very helpful, Thankyou👍👍🙏

@Qclicks974 Жыл бұрын

Pls explain about debt scheme and equity.Which is good and risk ?

@suseendrankp8493 2 жыл бұрын

Exactly 💯 👍 true helpful video thanks sir

@MoneyTalksWithNikhil 2 жыл бұрын

Thank you

@ciri51 Жыл бұрын

Actually Nikhil, If taking loan or calling from Chitti, the interest is not 7-9%. You'll need to reduce the deposited amount from the amount you receive and then actual interest rate would be around 14-18% per annum.

@MoneyTalksWithNikhil Жыл бұрын

@josephalias8111 Жыл бұрын

Forman commition Gst will go to 18% so agin go loss.

@dolfinmoneymatters9397 Жыл бұрын

Against Subscriber payment also need to calculate 5% interest. When deduct subscriber investment+ interest, some one has to pay even 200% interest. Why they don't recognise is that loan amount may low and mixed ( mess) up with give & get back.

@JobzTalkz Жыл бұрын

വളരെ ഇൻഫർമേറ്റീവ് ആയ കാര്യങ്ങൾ ആണ് സർ പറഞ്ഞത്. എനിക്ക് ചിട്ടിയെ കുറിച്ച് അറിയണം എന്ന് ഉണ്ടായിരുന്നു. പലപ്പോഴും അതൊരു സിസ്റ്റമറ്റിക് ഇൻവെസ്റ്റ്മെന്റ് ആണോ എന്നൊരു doubt ഉണ്ടായിരുന്നു. Anyway വളരെ നന്ദി സർ. ഇപ്പോൾ mutual ഫണ്ട്സ് ന്റെ കാര്യം സർ പറഞ്ഞു. അതുപോലെ റിട്ടേൺ കിട്ടുന്ന ഇൻവെസ്റ്റ്മെന്റ് പ്ലാൻ ഉണ്ടെങ്കിൽ വീഡിയോ ചെയ്യണേ. ഞാൻ എന്തായാലും subscribe ചെയ്തിട്ടുണ്ട്. ❤️

@sivadas.chinnappan1169 Жыл бұрын

നല്ല ഉപദേശം.... കൊള്ളമ... നന്ദി

@pramods3933 2 жыл бұрын

Sir pls do a detailed video about liquid bees etf or any other debt funds.In the present condition investing in equity is very risky. So pls do a video about how is returns calculated in liquid bees or in similar debt funds. Can we trust it as a long term investment like bank FD

@unnikrishnan_ravi 2 жыл бұрын

At present liquid bees gives less than 3% yearly return. That is less than savings bank return of pvt banks.

@MoneyTalksWithNikhil Жыл бұрын

Ok ok Planning for coming workshop

@MoneyTalksWithNikhil Жыл бұрын

@@unnikrishnan_ravi yes

@jessothomas2864 Жыл бұрын

ചിട്ടി ചേർന്ന് വിളിക്കുന്നത് ബാങ്ക് loan എടുക്കുന്നതിനേക്കാൾ നല്ലതാണ്.

@johnsondavid3867 Жыл бұрын

No. You should work out in detail. Chitty companies are making money , with a false propaganda.

@irfanss2210 Жыл бұрын

Chitti is far better than loan👍. The drawback is 5%commission+18%GST but as compare with interest(8-15%)

@achu0mon Жыл бұрын

Society loan with 9% is better

@naveenkrishnan9877 Жыл бұрын

Thank you for the very good presentation. One suggestion: could you please somehow lower the volume of pen used, it is irritating me :(

@RaviKumar-rr4bd 2 жыл бұрын

Thank you Sir 💐

@JohnsonPlasseryLouis Жыл бұрын

In addition to forman commission, customer has to pay 12% GST too for the commision amount. So in effect, actual return is less than what is told

@MoneyTalksWithNikhil Жыл бұрын

Yes. It’s an effort make people to take an informed decision

@believer1433 Жыл бұрын

It depends on which chitty u join.. If u join 5000*40 months chitty, the gst u pay is 1200 rs.. And if u join 1lakh*40 40 lakhs chitty, u will have to pay gst 24000

@zubairpallintavida3668 Жыл бұрын

You r right. That’s a hidden cost

@dolfinmoneymatters9397 Жыл бұрын

@@believer1433 it is 18% of foremans commission. I.e 0.9% of total sala

@believer1433 Жыл бұрын

@@dolfinmoneymatters9397 ys govt increased gst recently

@sreeranjini8787 2 жыл бұрын

Sir could you do a detailed video on different plans for kids . Is it good to invest in plans like canara smart junior , LIC jeevan lakshya etc .. what is guaranteed return plans .. is it good ? Etc ..,

@midhunmanoj7974 2 жыл бұрын

kzfaq.info/get/bejne/e9l6ish4rdyYaYk.html

@savinantony5631 2 жыл бұрын

Go for sukanya samridhi, if child is girl

@sreeranjini8787 2 жыл бұрын

@@savinantony5631 my daughter is not an Indian citizen . So she cannot join in sukanya samridhi

@savinantony5631 2 жыл бұрын

@@sreeranjini8787normal lic/endowment plans give less than 7 % return only.. So id ont suggest any such plan. Better a term plan for yourself and some portion in Mutual funds. Also consider SGB and PPF...

@MoneyTalksWithNikhil 2 жыл бұрын

@@sreeranjini8787 consider - mutual fund as start

@kadeejachemban9832 Жыл бұрын

Good information. Thank you sir

@sanooppoulose3238 2 жыл бұрын

Useful video.

@Ennardxx123 Жыл бұрын

Mutual funds return not guaranteed. Many time not getting money which we deposited after maturity. There will be a explanation of market loss. But curry I think there are profit. Lots of people taking money early on lesser amounts as loan. All these amounts are definitely divided for all members.

@jamsheerap4857 Жыл бұрын

Ha ha ha🤣🤣. I think you don't know anything about mutual funds. Because mutual funds do not have meturity period

@MoneyTalksWithNikhil Жыл бұрын

@rajagopalk.g7899 Жыл бұрын

Sir, ഇപ്പോൾ കാണുന്ന, HDFC, LIC, SBI Life എന്നിവയിൽ investment ചെയ്യുന്നതിന്റെ plus / minus enniva onnu paranju തരാമോ 🙏

@Sam_ThaniMalayali Жыл бұрын

Postal department il invest cheyyu PLI

@laughingbuddhavlogs9820 Жыл бұрын

Thank you so much for such great information. 💫

@veenarajeev1354 Жыл бұрын

Sir education loan എടുക്കുന്നത് സാമ്പത്തിക ബാധ്യത ആകുമോ

@rsreekumar6573 2 жыл бұрын

Very useful presentation sir

@advjayadharv7968 Жыл бұрын

In chitty, each and every activities like closure, pledging properties as sureties, etc., they are charging service charges and such other taxes also. Considering these aspects the customers loss is very high. Poor common men... who are under the clutches of chitty firms.... my prayers....🙄

@riyana2 Жыл бұрын

Sir a great content. A few suggestions worth considering 1. The volume needs to be increased. 2. The monotonous narration becomes boring after some time. 3. Voice modulation could help. Wish you take it constructively 🙏

@sudheenagirish256 2 жыл бұрын

Thank you

@indirakv6949 Жыл бұрын

Very good.Iam bothered abouThank for imformation.

@shibinjohn4470 2 жыл бұрын

Sir, please make a video about defence persons retirement life

@MoneyTalksWithNikhil 2 жыл бұрын

@dipuek6517 2 жыл бұрын

We are waiting

@pranavprabhakaran324 2 жыл бұрын

Waiting

@milsutp6108 2 жыл бұрын

Mr, Nikhil sir, Mutual fund 100% assured fund? For invest, I believe its depending on market fluctuations, may be loos the amount KSFE no fluctuations amounts Maximum 5% deduction

@MoneyTalksWithNikhil 2 жыл бұрын

Invest in debt fund or rd

@sdeepak2753 Жыл бұрын

Thanks Nikhil ഏട്ടാ ❤

@balasubramaniannair8084 2 жыл бұрын

Very good information..Nikhil Sir..I have something to ask regarding MFs.

@james4402 Жыл бұрын

Mutal funds are Subject to market risk

@moreinformation285 Жыл бұрын

why can't I see this as an investment if I'm not a person who cannot invest in an FD of amount 5.70 lac? we get good return for fd but the fact is that you should have that lumpsum of money with me.. if not chitti is best

@jithinr2496 2 жыл бұрын

People in villages construting house, buying furniture, vehicle ,money for marrige , etc without taking loans. And if we ask them how you are manging all these without taking loans , majority of the answer is Chitty.

@MoneyTalksWithNikhil 2 жыл бұрын

Yes They can do better

@vinodkumarkt8744 Жыл бұрын

Yes sir. It's true and informative. Àlso a chance to lost the dividend if default in instalment payment

@Salim-px3jd Жыл бұрын

Thanks for your advice sir

@johnpaul9233 Жыл бұрын

ചില ചിട്ടികൾ തുടക്കത്തിൽ വിളിച്ചെടുക്കുന്നത് 40% കുറഞ്ഞ തുകക്കായിരിക്കും.മാസങ്ങൾ കഴിയുമ്പോൾ 10 രുപ കുറച്ച് വിളിക്കാൻ ആരും കാണില്ല.അത് കൊണ്ട് മറ്റ് മാർഗങ്ങൾ അടഞ്ഞാൽ ചട്ടി കൈയ്യിൾ എടുക്കുന്നതിന് പകരം ചിട്ടിയാണ് ഭേദം.

@nithinsujathan5320 Жыл бұрын

Thanks Nikhil for posting this. But you missed one option. Get the chit a year before maturity and invest that bulk money on a FD / liquid fund. Isnt this option a better yield ? Instead of just focusing on one basket of SIP/RD isnt an investment on multiple options recommended ?

@MoneyTalksWithNikhil Жыл бұрын

Multiple options are good. For long term SIP is good option

@EldhoRaju001 Жыл бұрын

@@MoneyTalksWithNikhil For Long term (say 5yr or 7yr) which segment to choose in SIP..? Any suggestions.

@MoneyTalksWithNikhil Жыл бұрын

@@EldhoRaju001 Equity or equity based funds

@arjunps6776 Жыл бұрын

@@EldhoRaju001 Index funds

@dolfinmoneymatters9397 Жыл бұрын

Other options good. But simply avoid Chitty.

@Lensvision-fg4vd 2 жыл бұрын

Super... thanku...

@MoneyTalksWithNikhil 2 жыл бұрын

👍

@vipinvijayankadakkal 2 жыл бұрын

സൂപ്പർ 👏🏻👏🏻👏🏻

@akhilgeorge7681 Жыл бұрын

Very good and simple explanation. I like to add 1 more point. Join a chit atleast a year before you need a loan, if one can anticipate the requirement.

@MoneyTalksWithNikhil Жыл бұрын

Valid point Akhil

@dolfinmoneymatters9397 Жыл бұрын

Very few persons get at low interest. Most of them have to pay above 15%. And only after completing Chitty we may identify the %. People have to calculate themself. Chitty companies will not help to identify% of interest.

@SHAJMOHD Жыл бұрын

Sir, Highrich online shoppie enna companiyude viswaasyathaye sambandhicha video cheyyaamo? Please

@louijose2971 Жыл бұрын

Absolutely right in my experience

@karunagaranpudhukkai609 Жыл бұрын

Nice advice thanks

@jijithvishwanathan Жыл бұрын

My parents accumulated wealth over chitty. They had multiple investments plans with high end discipline.

@MoneyTalksWithNikhil Жыл бұрын

Good. Old generation is much more disciplined

@moreinformation285 Жыл бұрын

even my parents... they could conduct my marriage without taking a loan and the wedding was really decent one... I'm so proud of my mom who was the finance manager of my home

@saritha.shajeev5342 Жыл бұрын

@@moreinformation285 absolutely correct. My parents also conducted mine and my sister marriage without taking loan. So i am also following their way.

@MoneyTalksWithNikhil Жыл бұрын

@@moreinformation285 good info. I have seen my parents are doing this way. You are blessed one. Take care of them🙏

@MoneyTalksWithNikhil Жыл бұрын

@@saritha.shajeev5342 god bless your family

@jeothekkath6415 Жыл бұрын

Chitti is very sensible comparing to the personal loan giving by banks and other private banks , i think chitti is the only option who giving the effect of personal loan ins such a low interest to the layman(middle class)

@baby24142 4 ай бұрын

Right .that I'd the only benefit with chitty

@kannans1463 2 жыл бұрын

Better video thanks ☺️ Sr

@francisvladinjoy3043 Жыл бұрын

Very Good information 👌👌

@vineethkumar8094 2 жыл бұрын

Very useful video for the common people..many are still believes that chit is better including me.this video is an eye opener 🙏

@MoneyTalksWithNikhil 2 жыл бұрын

@yateendradas5657 2 жыл бұрын

I am a victim. Then I decided not to join in a Chit Fund in future.

@rajugeorge5455 Жыл бұрын

ഒരു കാര്യം പറയാൻ വിട്ടു എന്നു തോന്നുന്നു. ചിട്ടിയിൽ ചെറിയ തവണകളായിട്ടാണ് പണം അടയ്ക്കുന്നത്. ബാങ്കിലെ പലിശയും ചിട്ടിയുടെ ലാഭവും താരതമ്യം ചെയ്യാൻ പറ്റുമോ. ഇപ്പറഞ്ഞ 5 ലക്ഷം ഒന്നിച് നിക്ഷേപിച്ചാലാണ് ബാങ്ക് ഡെപ്പോസിറ്റ് ലാഭം ആകു..

@vipink.n5326 2 жыл бұрын

Sir I am started to watch your videos recently ,can you please guide me to choose the proper fund and some good funds which we can invest in current situation if possible can you make a video about this topic.I hope so you understand what I mean please give us an good point of view, Thank you

@MoneyTalksWithNikhil 2 жыл бұрын

Please mail to nikhil@talkswithmoney.com

@kishorkumarmk1356 3 ай бұрын

Excellent analysis thanks

@finandfunlife7145 2 жыл бұрын

You have missed few aspects. 1. If chitty is called before 10 instalments and buy a good blue chip companies then after few years the money can be doubled. Chitty can be used for the said purpose.( market risk is there however large caps double almost every five years) prize money can be invested in NCD which fetches 9.50 or more interest(monthly) then interest payout can be used for kuri payment

@MoneyTalksWithNikhil 2 жыл бұрын

Yes, there are many way based on investor profile.

@plustwozoology3207 2 жыл бұрын

എന്താണ് NCD?

@finandfunlife7145 2 жыл бұрын

@@plustwozoology3207 Non convertible debentures..it is like fixed deposits wherein you get interest payout on monthly/annual payout

@plustwozoology3207 2 жыл бұрын

എന്ത്, എങ്ങിനെ എന്നു കൂടി പറയുമോ

@MoneyTalksWithNikhil 2 жыл бұрын

@@plustwozoology3207 bond, giving loan to government and corporate

@antojoy8029 Жыл бұрын

I started a chitty hoping that we might need a sudden fund raise in future. But on the running fund is not urgent . I have a doubt if we call the chitty in the middle ,for example if the chitty is for 40 months and we call the chitty in 20 th month so that we can deposit the same fund in FD. Does this method sounds good?

@soorajpaini Жыл бұрын

This is what i used to do for all these times 😜 but not in FD but in Crypto ✌️

@baby24142 4 ай бұрын

Invest in mutual fund

@maliyekkalfirozkhan 11 ай бұрын

Very good advice. So mutual fund is better than chity yes?

@jayakumarnarayanan6375 2 жыл бұрын

Thank you so much

@ajithkv4480 Жыл бұрын

Sir what about loan from LIC policy ?

@radhikasunil9280 Жыл бұрын

High interest

@nimmut1 2 жыл бұрын

10000x60 ചിട്ടി ഞാൻ ചേര്ന്നിട് ഉണ്ട് ഇപ്പോൾ 14 മാസ ആയി 35000 ഡിവിഡന്റ് വന്നു . ഫുൾ വിലക്കുറവിൽ പോകുന്ന ചിട്ടി ആണ് . സർ പറഞ്ഞത് കുറെ തെറ്റാണു

@jacobjude1264 2 жыл бұрын

You can say 5000. Because 30000 will be deducted from prize money.

@girishpm3963 Жыл бұрын

Thanks chetta

@thattalathvelayudhanrajan1082 Жыл бұрын

Good information sir

@josephgeorge495 2 жыл бұрын

these are my insights in case of a 100 months chit of 5% commission. even substituting at 60th month will give you lesser returns than a monthly dividend paying FD at 10%. correct me if i am wrong

@MoneyTalksWithNikhil 2 жыл бұрын

Yes, If you need to raise money like loan - chitty is good If you need it as investment, there are better options

@riasabdulla7363 Жыл бұрын

Minimum auction amount to be reduced from 30% to 20-25% The company's 5% commission is very high. It should be below 2%, then only people are benefitted.

@MoneyTalksWithNikhil Жыл бұрын

@sakhijohn 2 жыл бұрын

Very true 👍

@devan_kichuzz_4545 Жыл бұрын

Nalla arivu👍👍👍👍👍👍

@drarunkumardrrsarunkumar2487 Жыл бұрын

Hi. Nikhil Sir. Thanks for the video. Dividend you calculated is wrong. If the prize money is 5.4 lakhs. The remaining is 60000 . Out of that 30000 will be the foreman commission . Then the remaining 30000 will be for the 60 chitty subscribers. That means 500 rupees each only. As you told the profit is 3-4 percent only. But if you auction the chitty after the half way mark and put it in FD in KSFE itself, you can generate the profit upto 8-9 percent minimum and that too with out any risk factors

@MoneyTalksWithNikhil Жыл бұрын

Ok. This is just an example. Always calculate properly, how much you are depositing and at the end how are you receiving in how many months or years? That will get you return percentage. If it work, go ahead Thank you for your comment Dr. Arun

@kichusr Жыл бұрын

Ksfe ll give only 6.5, considering rd in small finance bank. Ll nt hv much difference. But if we get the amount intially and know hw to do business and get profit then worth. Other thing to consider - gst on the price money and IT on ksfe interest.

@drarunkumardrrsarunkumar2487 Жыл бұрын

@@kichusr we have to calculate 6.5 percent plus the dividend of 3+ percentage . Then overall it will come more than 8 percent total. When the FD interest rate was 8 percent, the overall benefit was exceeding 10 percent before . This is from my experience since 2000

@kichusr Жыл бұрын

@@drarunkumardrrsarunkumar2487 dnt know the divident part, u mean to say that ksfe ll give 3% duvident on chitti investment.

@drarunkumardrrsarunkumar2487 Жыл бұрын

@@kichusr yes

@santalumpaniculatum38 2 жыл бұрын

KSFE യുടെ ഒരു savings account ഉണ്ട്.സുഗമ എന്ന് ആണ് പേര്.. 5.5% വാർഷിക പലിശ കിട്ടും

@asuranbro 4 ай бұрын

There are multiple liquid funds that give 7+ % return

@gopakumarp282 Жыл бұрын

Explained well…

@tecknowconstruction8918 Жыл бұрын

Good and informative

@pavink.j2032 Жыл бұрын

Eventhough mutual funds are highly regulated there is a big disadvantage you omitted while comparing to chit funds which is market risk. There is a possibility you can end up with negetive return. Correct me if I'm wrong. And one more thing you won't get a personal loan as cheap as calling a chit fund.

@MoneyTalksWithNikhil Жыл бұрын

Ok No comparison If someone don’t want market risk, look for rd. if some one want bulk money in advance - chit fund is good

@vietech8126 Жыл бұрын

കെ എസ് .എഫ് ഇ ചിട്ടിയിൽ ചേരരത് ചേർന്ന് ചിട്ടി പിടിച്ച് സാഹചര്യവശാൽ മുടങ്ങി കുടുംബം കോഞ്ഞാട്ട്യാകം ഉറപ്പ്

@sminudas245 Жыл бұрын

The person explaining the draw back of chit funds completely missed the probability part. For a multi division chit funds your luck stands tested multiple times. In the initial months if you got the draw, it will be a lottery and the probability of getting is very high.....

@dolfinmoneymatters9397 Жыл бұрын

Simply wrong. Why people join Chitty is, people have no idea about at what % they get loan. We can help