I partially disagreed with your points: 1. Sweep In deposits are a very good option if you are using ur SB account for parking your idle money. Most people use these accounts for Saving Purposes. That's why it's a headache-free Interest Multiplier indeed. 2. For For those who are using SB accounts frequently, this facility is useless & Bank set the threshold limit for that reason. You may increase the threshold also which you have skipped brilliantly. Now, those who are using an SB account for regular transactions mostly may maintain less than 35000 (minimum threshold) in most of the thases. 3. IDFC or Bandhan or RBL Bank cases are different. I don't consider a Sweep In deposit a good option in these banks as an SB account offers a lot better interest than regular FDs. Hence, your point is correct. 4. Taxation is indeed a burden but who cares! People still need FD & you should keep some good amount in FDs as your emergency savings. Sweep In deposit or Regular, both are carrying the same level of taxation. Then why are you putting this generic disadvantage here, I couldn't understand. Lastly, if Auto Sweep Facilities are trapped & so on, I must say Banks can advertise widely but they don't do because it will increase their deposit cost. If you keep your money idle in an SB account without creating FD, it's profitable for Bank actually. MOD/Sweep-In deposits are actually an automation tool to reduce our Financial Planning burden. Please don't showcase it wrongly. I know you guys (Financial GyanGuru Utubers) are pushing people to do MFs by hook or crook. It's good definitely, I personally recommend this tool but it's not suitable for all cases. You should have some FD too then why not MOD?
Thanks buddy for sharing your valuable views, I too agree that her videos are sometimes inherently biased and incomplete. She needs to work on them else otherwise another finance influencer will make a video on how her videos are a trap.
Very nice someone covered this. I used to opt auto sweep in kotak bank till I was untaxable. Then I stopped this due to 80TTA. Auto sweep in Kotak is good, as they don't charge any penalty & all FDs are for max 180 days. It'll get renewed post that.
Auto sweep facility is better if you park your threshold limit (like for SBI Bank Rs-35000) for more than 6 months. In most cases, you have to give a 1% penalty. So for regular transaction customers, better to keep away from the Auto sweep facility. If someone has more than 1 savings account and transactions are very limited, in that account Auto sweep facilities are beneficial.
Good video! 👍🏼 Auto-sweep facility jitni favourable hoti hai utni hi inconvenient bhi hoti hai, from the point of accounting. I have used it. Har bar sweep-out aur sweep-in hone par multiple FDs ban jaati hai. Aur kaunsi FD kab bani, kaunsi kab break hui aisa bahut kaam bad jata hai. 👈🏼
@bekifayaati : Also, pls mention 3 points : 1. Sweep out Selection option : NO 👎 Online option to break FD, Only Bank randomly decide which FD to break... not you as Customer ...!! 2. Bank's FD Breaking/Sweep out Option Criteria : 2.A FIFO or LIFO based on Sweep-in time ...? 2.B One Large nearest Principal FD or Multiple Less Capital FD summing to Needed Amount to withdraw, with respect to requested Need Amount ?? 2.C FD to be broken, are selected based on Rate of interest? Ascending or Descending ? 2.D FD to be broken based on Interest lower or higher ?? 3. Those FDs rolled over 5 times in 5years+ , will SBI threat it as TaxFree FD ?
@@democracyjusticegod4041. You can opt out of sweep. 2. When you withdraw money greater then the amount present in your SB account it will break fd. 3. It is LIFO based. 4. LIFO 5.LIFO 6. If taxsaver FDs than no matter how many times you roll it, it will be taxsaver fd In SBI
The whole point of activating sweep in facility is demolished by keeping the penalty. That means it is not auto sweep feature. And auto sweep feature also includes liquidity on FD amount. If banks are charging penalty for premature auto sweep FD, then it's not auto sweep feature from banks.
A penaly of 1% interest Suppose you wer getting 5.10% for one year and you withdrew tha money in 6 months then the int rate would be different. It would be around 3-4 % (I dont remember the exact int rate). In othr words int rate would be down by one percent in premature withdrawal of FD.
@@wisylucky When I opt for auto sweep facility in SBI my SB interest got deducted for around 45 days from the last quarter. Will it ever credited in my account?
No penalty And there is no tenure of MODS If you withdraw money more than the balance available in your savings account, your mod will break and the money will get deposited in savings account
Mere papa ke account me activate hai lekin ye facts to pta nhi hai Vo sochte hai ye bahut badiya hai . Very useful video for me because my PAPA has a salary account in SBI.
Thanks for detailed study and presentation of Auto Sweep facility Deposits acvount in Banks. Nice to listen. Please also prepare such other mind opening videos on other aspects of Banking.
Good effort for explanation. Problem arrives to maintain balance limit in required time during emergency as well to convert all gatheted Sweep FD into One FD .There is possibilty of loss.Thats why its bank..Good.
Really, informative videos , thankyou for this information, Because i wants to open sbi auto swipe , after seeing this video I think i need to collect more information about auto swipe.
Amazing video. As a banker : There is a way to stay safe from charges, If we are selecting the tenure of 6 months for FD then it won't be chargeable. So if any bank provides you a chance to select the tenure you can select 180 days . Cause if you break the FD which you have done for 6 months so there won't be any charges for breaking the FD.
I Think the Extra balance kept in Our Saving Account for emergency may kept under This Auto-Sweep Facility as this is not used currently and we don't want this amount to be kept under Actual FD where it take little more penalty and Time to get the money back.
I am exactly looking for this video , when I fillup my mom's ITR this year.. and yes.. Interest rates are little bit higher then you told for now.. but calculation will be same Thank you.. and keep it up
Could you please share the SBI MOD official link where it is mentioned that the penalty will be imposed in case of premature withdrawal from MOD account? I read few links saying that the penalty will be applied only for normal FD not for MOD in case of premature withdrawal.
Pls make a video on auto-sweep in AXIS bank... As when asked in the branch, they told it's better to have FD account cuz' of error in interest and tax calculations( can be cumbersome) n may cause problems later
Hello Sister and happy RakshaBandhan make tha video is Flipkart pay later and EMI new service detailed video and Flipkart pay later and EMI VS Amazon pay later full comparison video . ❤️Jesus Loves you ❤️
Iska matlab 1 saal tak hamara balance 35k hi rahega isse jyada hota hai toh woh amount automatically mod acc me transfer ho jayega or agar humne 1 saal se pehle paise nikale toh uspe penalty bhi lag jayegi iska alawa agar hamare acc me sufficient balance rahega toh 1 saal ke baad automatic dubara 1 saal ke liye yahin process hota rahega. Hum 1 saal ke baad mod account me jitna paisa hai uspe interest leke beth nhi sakte...?
Thanks for explaining 😀 I just got to know this when I paid extra for this FD Shit in my income tax returns 😞 without knowing ki it’s counted as FD and I am in 30% tax bracket, so horrible
Autosweep m threshold limit amount ko cross krte hi automatic FD m transfer ho jata sbhi banks m .....1000 rs. vaalo konsi new facility hai jo aap bta rhe ho....🤔🤔🤔
mam mera account pnb mai hai, vaha ka staff bahut bekar mai.mai 1 month mei jab bi randomly bnk jata ho, 1 vaha minimum loog hi 50 hote hai,space bahut kam hai. 2 vaha torn note change nahi ho rahe. 3 vaha koi b form barne k liye pen hi nahi milta. 4 in case hame pata chalta hai ki koi scheme or rewards points hai, voh bolte hao ki 1st table pe jao. 1st table wala bolta hai ki,2nd pe jao ,2nd wala bolta hai ki 3rd pe jao.aur dusra 10 bando ki lane hoti hai.kuj v pata nahi lagta. 5 kabi onka bank server low hota hai kabi system nahi chalta mai os branch ki complain karna chahta hu, tabi kkooi solution hoga . problem sirf yahi hai ki har bar time waste karke home, doosra work 1-2 month delay ha jata hai plz help me,plz
I think auto sweep will be useless for those who are in 20 or 30% tax bracket, considering withdrawal penalty and IT applicable on interest earned. Let me know if that's correct.
Mera aek account he jis me sir ipo applay ke liye paisa rakha he to vo ipo applay ke time bank me hi paisa lock hojata he or ipo milega tab bank mese cut hota he to kya me uss account me Auto sweep karva sakta hu ???? Ipo applay locking ke time pe penalty lagegi ya nahi ???
Hi mam... Whats the rbi guidelines for refund from amazon takes time to reflect in credit card.. Its been 2 months but refund from amazon is still not recived in my slice card please help
This information about SBI Auto Sweep is totally wrong, please take proper info from someone working in SBI. Very 1st thing is auto sweep starts when balance goes above 35000 and not 45000 and there is no penalty at all. I am using this facility for past 5 years.
Savings account me sirf amount pade rehane se koi interest amount nahi milta, par transaction karte rehne se transaction amount par 3% intest milta he. But FD me whole amount ka interest milta he so 1.9% is better than 3%
Auto sweep facility is for Big Balance Account holders...and very good for them... You can also make manual MOD in SBI which will be linked to your saving account to secure your credit during emergency withdrawal .
I have a doubt. Let's say I have 35,000 in my account, which is threshold value. Now I withdraw 10,000. Will it show balance as 25,000 or it will reverse sweep to make up the threshold limit of 35000. Please answer?
Hdfc me 140000 ka limit he .. uske upar 160000 rs hue.. to 20000 ki fd hui.. agar account balance 130000 ho gaya to .. 20000 wali fd me se 10000 rs nikal jayenge and apka balance 140000 limit me ho jayega...
I partially disagreed with your points:
1. Sweep In deposits are a very good option if you are using ur SB account for parking your idle money. Most people use these accounts for Saving Purposes. That's why it's a headache-free Interest Multiplier indeed.
2. For For those who are using SB accounts frequently, this facility is useless & Bank set the threshold limit for that reason. You may increase the threshold also which you have skipped brilliantly. Now, those who are using an SB account for regular transactions mostly may maintain less than 35000 (minimum threshold) in most of the thases.
3. IDFC or Bandhan or RBL Bank cases are different. I don't consider a Sweep In deposit a good option in these banks as an SB account offers a lot better interest than regular FDs. Hence, your point is correct.
4. Taxation is indeed a burden but who cares! People still need FD & you should keep some good amount in FDs as your emergency savings. Sweep In deposit or Regular, both are carrying the same level of taxation. Then why are you putting this generic disadvantage here, I couldn't understand.
Lastly, if Auto Sweep Facilities are trapped & so on, I must say Banks can advertise widely but they don't do because it will increase their deposit cost. If you keep your money idle in an SB account without creating FD, it's profitable for Bank actually. MOD/Sweep-In deposits are actually an automation tool to reduce our Financial Planning burden. Please don't showcase it wrongly. I know you guys (Financial GyanGuru Utubers) are pushing people to do MFs by hook or crook. It's good definitely, I personally recommend this tool but it's not suitable for all cases. You should have some FD too then why not MOD?
@@Ak09921mod is nothing but a fd. So we have to show fd interest,same way mod interest
Thanks buddy for sharing your valuable views, I too agree that her videos are sometimes inherently biased and incomplete. She needs to work on them else otherwise another finance influencer will make a video on how her videos are a trap.
Yeh video creators bs gyaan jhadte hai... Real calculation ni batate... Bs monetize krne ka tarika video Ko.... Missed a lot of crucial details..
Thanks for providing more clarification.
thanks for more clarification
Very nice someone covered this. I used to opt auto sweep in kotak bank till I was untaxable. Then I stopped this due to 80TTA. Auto sweep in Kotak is good, as they don't charge any penalty & all FDs are for max 180 days. It'll get renewed post that.
But 180 days FD in kotak give 3.5% interest. Minus taxes. And savings acc interest rate is also 3.5%. So savings is better
@@arpitkumar4525 The time I was quoting is 2019 or so. Abhi to sabhi jagah FDs ki rate piti hui hai, auto sweep bhi senseless hai bilkul.
Abhi 4.75% hai
@@arpitkumar4525 if interest on fd is less than 40k then it's not taxable
Kya auto sweep ke baad main balance se balance deduct ho jata hai
Auto sweep facility is better if you park your threshold limit (like for SBI Bank Rs-35000) for more than 6 months. In most cases, you have to give a 1% penalty. So for regular transaction customers, better to keep away from the Auto sweep facility. If someone has more than 1 savings account and transactions are very limited, in that account Auto sweep facilities are beneficial.
I was very confused before watching your video.Now all confusions are clear.Thank you for this precise explanation.
Thank you for this video . Just couple of days back I researched on this topic and came to the same conclusion.
Good video! 👍🏼
Auto-sweep facility jitni favourable hoti hai utni hi inconvenient bhi hoti hai, from the point of accounting.
I have used it.
Har bar sweep-out aur sweep-in hone par multiple FDs ban jaati hai. Aur kaunsi FD kab bani, kaunsi kab break hui aisa bahut kaam bad jata hai. 👈🏼
being an accountant i understand it better
@@nareshkk62 👍🏻
Please make the same type of video on HDFC bank Auto sweep... Thanks
+1
+1
+1
Yes please
+4 ...
Kon kon sandeep maheshwari sir ki video dekh k yha aya h like kro👍
Rather than targetting on a single Bank please also share details of other private banks also so that people can compare and select which is the best.
@bekifayaati : Also, pls mention 3 points :
1. Sweep out Selection option : NO 👎 Online option to break FD, Only Bank randomly decide which FD to break... not you as Customer ...!!
2. Bank's FD Breaking/Sweep out Option Criteria :
2.A FIFO or LIFO based on Sweep-in time ...?
2.B One Large nearest Principal FD or Multiple Less Capital FD summing to Needed Amount to withdraw, with respect to requested Need Amount ??
2.C FD to be broken, are selected based on Rate of interest? Ascending or Descending ?
2.D FD to be broken based on Interest lower or higher ??
3. Those FDs rolled over 5 times in 5years+ , will SBI threat it as TaxFree FD ?
@@democracyjusticegod4041. You can opt out of sweep.
2. When you withdraw money greater then the amount present in your SB account it will break fd.
3. It is LIFO based.
4. LIFO
5.LIFO
6. If taxsaver FDs than no matter how many times you roll it, it will be taxsaver fd
In SBI
Happy Rakshabandhan didi🥳🥳🎁🎁
Loved your content..
The whole point of activating sweep in facility is demolished by keeping the penalty. That means it is not auto sweep feature. And auto sweep feature also includes liquidity on FD amount. If banks are charging penalty for premature auto sweep FD, then it's not auto sweep feature from banks.
No one is charging, there is no penalty there, i am currently working in SBI and even I don't know form where she cooked that shit.
@@wisylucky I am salary person. I have salary account in sbi... Is any penalty rate on premature withdrawal
A penaly of 1% interest
Suppose you wer getting 5.10% for one year and you withdrew tha money in 6 months then the int rate would be different. It would be around 3-4 % (I dont remember the exact int rate). In othr words int rate would be down by one percent in premature withdrawal of FD.
@@wisylucky When I opt for auto sweep facility in SBI my SB interest got deducted for around 45 days from the last quarter. Will it ever credited in my account?
Yes everything will
In the quarter end
Unknown points are covered very well.. very useful.. thank you🙏🏻😊
No penalty
And there is no tenure of MODS
If you withdraw money more than the balance available in your savings account, your mod will break and the money will get deposited in savings account
Mere papa ke account me activate hai lekin ye facts to pta nhi hai Vo sochte hai ye bahut badiya hai . Very useful video for me because my PAPA has a salary account in SBI.
Very good and real information Thank U....taxpayers ko long term Mein Hai benefit..
Thanks for detailed study and presentation of Auto Sweep facility Deposits acvount in Banks. Nice to listen.
Please also prepare such other mind opening videos on other aspects of Banking.
Good effort for explanation. Problem arrives to maintain balance limit in required time during emergency as well to convert all gatheted Sweep FD into One FD .There is possibilty of loss.Thats why its bank..Good.
Really, informative videos , thankyou for this information,
Because i wants to open sbi auto swipe , after seeing this video I think i need to collect more information about auto swipe.
Amazing video.
As a banker : There is a way to stay safe from charges, If we are selecting the tenure of 6 months for FD then it won't be chargeable. So if any bank provides you a chance to select the tenure you can select 180 days . Cause if you break the FD which you have done for 6 months so there won't be any charges for breaking the FD.
2 month complte ho gaye hai SBI mai AUTO SWEEPACTIVATE karwaye hue par abhi tak koi INTREST nahi aaya hai bank mai .
I Think the Extra balance kept in Our Saving Account for emergency may kept under This Auto-Sweep Facility as this is not used currently and we don't want this amount to be kept under Actual FD where it take little more penalty and Time to get the money back.
Very crisp and concise information. Thank you, this helps...
Yeh toh recurring deposit hai. Soup served in a different bowl. Thanks for explanation👍
Just 'WOW' for clarity in explanation.
You are brilliant. My kind of deep-dive. Keep it up.
I am exactly looking for this video , when I fillup my mom's ITR this year.. and yes.. Interest rates are little bit higher then you told for now.. but calculation will be same
Thank you.. and keep it up
Dear Mam,
I request you to please kindly make this type of detailed video for HDFC bank auto sweep also...
Regards
Thank you❤
Your video helped me in taking my decision regarding so called sweep facility
Figured that out last week or so. Thanks Baekifayati 😊
It is better to do laddering. Gives you more control and your interest rates are averaged
What is laddering? Please can you explain that
Didi you are helping me so much like you person I had never seen like you person thanks for all your help me i love you so much
She is Prefect example of "Beauty 😍 + brain🧠"
Very very important information given 🙏 watched lots of video but most of them giving half information and misguided.... Thank you 🙏
Plz plz plz make videos on how can a non commerce background person understand abt SIP and SWP. Easy step by step
Happy rakshabandhan sister ❤️
Could you please share the SBI MOD official link where it is mentioned that the penalty will be imposed in case of premature withdrawal from MOD account? I read few links saying that the penalty will be applied only for normal FD not for MOD in case of premature withdrawal.
Can we change the limit to 60000 instead of 35000?
Pls make a video on auto-sweep in AXIS bank... As when asked in the branch, they told it's better to have FD account cuz' of error in interest and tax calculations( can be cumbersome) n may cause problems later
I actually wandering about this part. Thanks...
I made the FD of the minimum required balance and buried it. Haha
Thanks it clears all doubts now
Thank you so much. I have this facility but had no clarity on this.
Thank you so much. I was planning to go for an auto sweep
thank you So much for great knowledge of finance 🙏🙏🙏🙏🙏🙏🙏🙏🙏🌟✨🤩💯🤑
Ma’am please tell me about ICICI bank’s auto sweep facility pro & cons
Yes mam please
+1
Very informative video, just one suggestion though - you need to upgrade your audio recording setup, cheers!
Thanks for making out such a detailed video.
2 month complte ho gaye hai SBI mai AUTO SWEEP ACTIVATE karwaye hue par abhi tak koi INTREST nahi aaya hai bank mai .
Helping video. Thanks ma'am🙏
Thank you👍🏻 main bach gaya gaya chalu karne wala tha😃
कंबल भी सच्चा बाबा भी सच्चा,
कंबल वाले बाबा ज़िंदाबाद ज़िंदाबाद
Hello Sister and happy RakshaBandhan make tha video is Flipkart pay later and EMI new service detailed video and Flipkart pay later and EMI VS Amazon pay later full comparison video .
❤️Jesus Loves you ❤️
Happy rakshabandhan didi 🤗🤗
Nicely explained, You were in Kabir Singh movie right ? Bullying short.
Very useful information. Thank u ma'am.
Bekifayaati, make a same video for HDFC bank account 😊😊🙌🏻🙌🏻🙌🏻
Thank you for sharing this informative video. This is really helpful
Thanks for making such an eyeopener video
Iska matlab 1 saal tak hamara balance 35k hi rahega isse jyada hota hai toh woh amount automatically mod acc me transfer ho jayega or agar humne 1 saal se pehle paise nikale toh uspe penalty bhi lag jayegi iska alawa agar hamare acc me sufficient balance rahega toh 1 saal ke baad automatic dubara 1 saal ke liye yahin process hota rahega. Hum 1 saal ke baad mod account me jitna paisa hai uspe interest leke beth nhi sakte...?
Thanks for explaining 😀 I just got to know this when I paid extra for this FD Shit in my income tax returns 😞 without knowing ki it’s counted as FD and I am in 30% tax bracket, so horrible
same here
Auto sweep on krwane ke baad sare deduction ke baad atleast saving account jitna interest milega ya nhi,
If amount is < 500000 ?
Thank you so much for giving details of sbi bank auto sweep 🙂
Does it means that 35k is the minimum amount left in savings account after the sweep out??
You have answered all the questions. Thank you
Another sensible video. 🙏🏼
Bacha liya mam apne 😅😅 thank u😊
Thanks 👍
Explained all my doubts
Autosweep m threshold limit amount ko cross krte hi automatic FD m transfer ho jata sbhi banks m .....1000 rs. vaalo konsi new facility hai jo aap bta rhe ho....🤔🤔🤔
You are awesome 👏🏼👏🏼 thanks 👍🏼👍🏼
mam mera account pnb mai hai, vaha ka staff bahut bekar mai.mai 1 month mei jab bi randomly bnk jata ho,
1 vaha minimum loog hi 50 hote hai,space bahut kam hai.
2 vaha torn note change nahi ho rahe.
3 vaha koi b form barne k liye pen hi nahi milta.
4 in case hame pata chalta hai ki koi scheme or rewards points hai, voh bolte hao ki 1st table pe jao. 1st table wala bolta hai ki,2nd pe jao ,2nd wala bolta hai ki 3rd pe jao.aur dusra 10 bando ki lane hoti hai.kuj v pata nahi lagta.
5 kabi onka bank server low hota hai kabi system nahi chalta
mai os branch ki complain karna chahta hu, tabi kkooi solution hoga .
problem sirf yahi hai ki har bar time waste karke home, doosra work 1-2 month delay ha jata hai
plz help me,plz
I think auto sweep will be useless for those who are in 20 or 30% tax bracket, considering withdrawal penalty and IT applicable on interest earned.
Let me know if that's correct.
IT would also be applicable for interest on savings account no?
Mera aek account he jis me sir ipo applay ke liye paisa rakha he to vo ipo applay ke time bank me hi paisa lock hojata he or ipo milega tab bank mese cut hota he to kya me uss account me Auto sweep karva sakta hu ????
Ipo applay locking ke time pe penalty lagegi ya nahi ???
Hi mam... Whats the rbi guidelines for refund from amazon takes time to reflect in credit card.. Its been 2 months but refund from amazon is still not recived in my slice card please help
Thank you, very well described.
Smjh nhi aya pr sunke Acha lga😅
Naha ke video bana rahe ho good....😁
Very nice explenation...! 🙏
Excellent explanation from Bekifaayati 👍
Mam itna acha samjaya phir bi kuch samja nahi. Kal hi ye option chuna ta. Interest % eg ke badle 100r ka eg lete toh shayad aur samaj ata
Great info, very knowledgeable,
Fd pe tax tab hi lagega if interest is more than 40k in a year 🤔
This information about SBI Auto Sweep is totally wrong, please take proper info from someone working in SBI. Very 1st thing is auto sweep starts when balance goes above 35000 and not 45000 and there is no penalty at all. I am using this facility for past 5 years.
Savings account me sirf amount pade rehane se koi interest amount nahi milta, par transaction karte rehne se transaction amount par 3% intest milta he. But FD me whole amount ka interest milta he so 1.9% is better than 3%
Excellent, very useful information
Thank you for this important information.🙏
Today i became your fan ma'am
Madam. Audo sweef ke liye account me kam se kam
Kitana amount hona chahiye. Jiske audo sweef ki suvidha mile..es par shourt me bataye
Why park extra money in Savings accounts for the Auto sweep facility???. Better to park your extra money in a Regular FD, mutual fund, or stocks.
Thank you so much for such an important information😊
Thanks alot for this eye opened video.🙌 #Bekifaayiti.
Good informations.clear😇
we need one video on linked fixed deposit(Money multiplier FD from ICICI)
Madam I Correct You In Sbi Case If your Saving Ac Balance Reach 45000/- than 20,000/- Converted to Fd not 10,000/-
Thresholds limit in sbi 25000
Very helpful thank you 🙂
Tune hi bataya tha auto sweep facility use karo😊
Very good information.. Thank you.
SBI Multi Option Deposit Scheme me manual swipe in or manual swipe out facility hai kya...??
Please reply...🙏
Manual sweep in hai n sweep out to vaise bhe auto rehta hai
@@dmeena92 Thanks...
Awesome! Thank you sooo much
Auto sweep facility is for Big Balance Account holders...and very good for them...
You can also make manual MOD in SBI which will be linked to your saving account to secure your credit during emergency withdrawal .
I have a doubt. Let's say I have 35,000 in my account, which is threshold value. Now I withdraw 10,000. Will it show balance as 25,000 or it will reverse sweep to make up the threshold limit of 35000. Please answer?
Hdfc me 140000 ka limit he .. uske upar 160000 rs hue.. to 20000 ki fd hui.. agar account balance 130000 ho gaya to .. 20000 wali fd me se 10000 rs nikal jayenge and apka balance 140000 limit me ho jayega...
@@amrendrabahubali5962 Thank You
Thanks for information but sbi auto sweep is very bad I m searching 4 new bank option pliz tell which one is the best bank