With all due respect i agree to your points but with 3 4 accounts we can have better financial management..we can choose bank that provides Virtual debit card AND 0 BALANCE..so we have to only bare sms charges . 1. Salary 2. Investment in mf,ppf,emi 3. Emergency Fund + FD 4. UPI 1,2 can be clubbed..but for better fund management we can keep 4 accounts
If DICGC increases the limit from 5L to higher limit ,then probably people may not have more number of accounts. On one side we say govt banks are safe but no one takes responsibility beyond 5L, how long one can live in 5L..may be 1 year.... banks pay premium to DICGC from our money only...if any bank really claims that they are safe,then they should come forward and raise that limit to a higher number..they will definitely get huge number of new customer and money
If I have opened online fds in axis and indusind banks without opening saving account than still I got 5 lakhs of RBI guarantee for both the both the banks seperately
Good evening sir thanks for such an fruitful & valuable information . I invested in SBG when you enlighten it I have Sukanya, ppf also. Now I want to start SIp. Please guide me how to start
Then how can secure money in some banks. Said purpuse we open multiple ac it increases burden on both but succeed in insurance. So bank should increase lt so that avoid unnecessary load
Sir Nice Information From you Sir Which Bank is Providing Saving 5% Please Tell Sir FD Intrest or increase Honge Please Made New video About FD Which Bank is Giving Higher FD intrest Rate
Sir G har ek Bank me ye rule compulsory hona chahiye ki nomination zarur kare nhi toh fir kisi ko pata nhi chalega ki kis Bank me Paisa hai or agar kuch ho jaye toh fir Sara Paisa nominee ki milne bhi dikkat nhi ayegi toh govt me ab ye rule compulsory karna chahiye ki har ek Bank me koi na koi nominee zarur hona chahiye...
एक सीनियर citizen हैं और दूसरा genernal citizen है तो joint अकाउंट में किस हिसाब से एफडी रेट मिलेगा सीनियर citizen केे हिसाब से या genernal citizen केे हिसाब से
Bank of india Bank of maharashtra Central Bank of india Oriental Bank of commerce SBI Canada Bank Hdfc Axis Kotak ICICI Bank of baroda Sir Ye sare banks RBI k insurance m ate h kya? Ye Bank
Mera 4 bank account hai aur sb government lekin mai sirf 2 m hi transaction kr pa rhi hu ye btaiye ki baki 2 ko close kr du ya as it is rhne du . Salary a/c khula tha
Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga. Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..
Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga. Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..
Aaplog pahle aapasme faisla kijiye k jyada acct rakhne chahiye ya nahi? Kyonki kisi aur n kaha k 5 lac insurance hota hai. To bankruptcy k nuksan se bachneke liye zyada acct.kholen
For nre for filing of returns with no taxable income presently CA is asking for individual separate mobile numbers for different accounts which till now was registered to one mobile only. What is the way out for nre who don't have India mobile number . How does he file the returns just for continuity
Any bank listed in the link is safe but Public sector banks are more safer than unknown pvt. One name account is safe upto 5 lakhs (savings acc, fd, Rd etc including) per branch.
@@sambaransarkar4519 Kotak 811, Axis ASAP, PayTm, Jio, NSDL, AU, Airtel etc are zero Balance accounts... Suryoday Small Finance Bank, Jana, Equitas I have to keep 1000 Rs balance.
Managing of many accounts is not too difficult. There is guarantee of 5 lacs only. If a person has one crore and only account in one bank, bank fails then who will give him after 5lacs.Please reply definitely otherwise don't make this type of video.
Sir good morning sir maine cantral coopretive bank me fd ki thi FD maturing ho gei hai par mujhe paisa nahi mil raha bank wale kahte hai ki RBI se releese nahi hui hai please koi Marg bataye
Sabhi bank account agar income tax govt ki najar mai to fir froad karke account se paisa uthata hai kya unka account najar mai nahi hai kya ...koi case kiu nahi hota hai.
🕉 Sir ji, Is there any restriction from a Income Tax department in having say 4 to 5 SB accounts, when details of such accounts are being shared while filing ITR? Thank you.
I think 5 lakhs per branch if you do FD with different family members in joint with them then again 5 lakhs insurance. Suppose you have total 3 members in your family (you, your wife and your child), you can open 1 5 lakhs fd in your name, then 2nd and 3rd 5 + 5 lakhs open in joint with your wife n child but only you have a one saving account in your name or joint with your family members. If the saving account has included your family members name in joint then other two family members can open one more 5 lakhs FD in same bank same branch. Please before investing more money in Multiple FD consultant you bank to clarify futher doubt directly.
Mera boi me saving account hai mera chota sa business hai Us accounts se mera digital payment hota to kya ye thik hai Ya mujhe carrent account open karna chahiye
With all due respect i agree to your points but with 3 4 accounts we can have better financial management..we can choose bank that provides Virtual debit card AND 0 BALANCE..so we have to only bare sms charges .
1. Salary
2. Investment in mf,ppf,emi
3. Emergency Fund + FD
4. UPI
1,2 can be clubbed..but for better fund management we can keep 4 accounts
If DICGC increases the limit from 5L to higher limit ,then probably people may not have more number of accounts. On one side we say govt banks are safe but no one takes responsibility beyond 5L, how long one can live in 5L..may be 1 year.... banks pay premium to DICGC from our money only...if any bank really claims that they are safe,then they should come forward and raise that limit to a higher number..they will definitely get huge number of new customer and money
Correct
I am agree, but so-called RUclipsr never increase awareness
If I have opened online fds in axis and indusind banks without opening saving account than still I got 5 lakhs of RBI guarantee for both the both the banks seperately
Yes
Good. But cibil score is not effected by non maintaining minimum balance in savings account. Plz rectify. Video is good
Good evening sir thanks for such an fruitful & valuable information .
I invested in SBG when you enlighten it
I have Sukanya, ppf also.
Now I want to start SIp.
Please guide me how to start
सर, अगर किसी सरकारी बॅंक ने डेबिट कार्ड दिया है और आप उसे इस्तेमाल नहीं करते हो तो क्या वो सरंडर किया जा सकता है? कृपया बताएं। धन्यवाद🙏
Bilkul
Yes
Hello...can you make video on new SGB series? Should we need invest on current series or wait for next series
Mere to total 7 Banko mai Account hai 👍
Sahi hai
Tumara toh banta be hai...Guju jo ho.
Iam hereing account with Sarswat Co Op Bank Ltd
Is that come in Reserve Bank norm ???
Sir
NRE अकाउंट के पैसे को पोस्ट ऑफिस के स्कीम में जमा कर सकते हैं क्या,
रुपए मैं- cashmoney ले सकते हैं क्या,
Then how can secure money in some banks. Said purpuse we open multiple ac it increases burden on both but succeed in insurance. So bank should increase lt so that avoid unnecessary load
Jyda bank account opened karne se cibil score par farak padega ya nahi
Sir Nice Information From you
Sir Which Bank is Providing Saving 5% Please Tell
Sir FD Intrest or increase Honge Please Made New video About FD Which Bank is Giving Higher FD intrest Rate
ruclips.net/video/D9je2Pi1Lrs/видео.html
Highest fd new video June 22.
Post office saving bank
Sir G har ek Bank me ye rule compulsory hona chahiye ki nomination zarur kare nhi toh fir kisi ko pata nhi chalega ki kis Bank me Paisa hai or agar kuch ho jaye toh fir Sara Paisa nominee ki milne bhi dikkat nhi ayegi toh govt me ab ye rule compulsory karna chahiye ki har ek Bank me koi na koi nominee zarur hona chahiye...
Sir please comment on yes bank AT1 bonds, any idea bank will pay the money back
एक सीनियर citizen हैं और दूसरा genernal citizen है तो joint अकाउंट में किस हिसाब से एफडी रेट मिलेगा सीनियर citizen केे हिसाब से या genernal citizen केे हिसाब से
Do we get back the locker rent on surrender of locker for unutilised quarters. Please update specially in BOB
Very good information sir
Thank you
Sir
आर्थिक मंदी से gold price मे क्या असर होगा?
Very informative 🙏
Please confirm whether following banks come into RBI for savings account
Very nice nformation given about savings account.
If we invest money in 4-5 post office schemes, is it a matter of concern?
No
1:- Sir Bank of India ke account se bhi kya gov 5 lakh ke oopar ka paisa nikaal sakti hai?
2:- BOI se ek baar me cash kitna nikaal sakte hai...?
Pl intimate me
Security of money in account in case of bank default.
Maximum security for account holder.
MAXIMUM RISK. FOR ACCOUNT HOLDER.
Plz tel whether Ujjivan Small Finance Bank comes under DICGC
Bank of india
Bank of maharashtra
Central Bank of india
Oriental Bank of commerce
SBI
Canada Bank
Hdfc
Axis
Kotak
ICICI
Bank of baroda
Sir Ye sare banks RBI k insurance m ate h kya?
Ye Bank
That's not Canada Bank it's Canara Bank
@@nkroy4912 just a typing mistake
Answer my question
What is your opinion about joint savings account with second name?
Mera 4 bank account hai aur sb government lekin mai sirf 2 m hi transaction kr pa rhi hu ye btaiye ki baki 2 ko close kr du ya as it is rhne du . Salary a/c khula tha
Pl.inform us that which privte banks allow to open FD without opening a savings account at their bank.
Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga.
Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..
agar zero balance account open kiya jata hain 5-6 banks main, DICGC ke facility ke lie toh problem hoga kya, agar each bank main 5L ka fd karu toh
No issue
Sir, could you mention bank names which provide fd facilities without opening saving account?
Indusind bank me khol le bhai.
Ujjivan Small Finance Bank
Almost all private banks provide the standalone FD facility. But jo interest hai wo add hota jayega on cumulative basis & FD ke maturity pe hi sara paisa Savings wale Bank mein aayega. I hope aapko samajh aa gaya hoga.
Aur agar Savings a/c open karwa kar phir FD karte ho to Monthly, Quarterly & Half yearly interest payout ka options milta hai. Standalone FD mein ye options nahi milta hai..
Unity SFB
Thanks sir ji for valuable information
बहुत अच्छी जानकारी दी आपने थैंक्स 🙏🏻पर जो आपने कहा बैंक 5lac की गारंटी लेता है तो sscs मे बैंक 15lac कैसे सेफ है प्लीज क्लियर करें 🙏🏻
BOI,SBI,HDFC banks .r they safe under RBI
BOI, SBI, HDFC these banks are safe. Don't worry.
Bob ?
Please let me know if Standard Chartered bank is insured by RBI
Thanks 🎉
Punjab and Sind Bank is under RBI/DICGC ?? please suggest
Aaplog pahle aapasme faisla kijiye k jyada acct rakhne chahiye ya nahi?
Kyonki kisi aur n kaha k 5 lac insurance hota hai. To bankruptcy k nuksan se bachneke liye zyada acct.kholen
Sir 15G form fill karne ke baad FD interest agar above ₹40000 ho toh kya tab bhi TDS deduct hoga.
Nahi tab nahi hoga
BOB में भी minimum balance maintain करना होता है ?
Multi pal a/c se fayda hai . kisi aria strike affected hota and emergency ho to another bank account se cash withdrawal kar sakte hai
HW abt being a joint account holder, wll that b also treated as an account for IT purpose?
Kya bank a/c close krne ka koi charge lete h canara bank m ( government) bank m ?
NRO KE DO A/C YA NRE KE DO A/C HAI TO PARESHANI HAI ??REPLY DENA HAI ??
For nre for filing of returns with no taxable income presently CA is asking for individual separate mobile numbers for different accounts which till now was registered to one mobile only. What is the way out for nre who don't have India mobile number . How does he file the returns just for continuity
Very poor reasons for not maintaining multiple accounts.
Yes
Sir union Bank of India rbi or dicgc undr ata hai ya nhi
Please intimate whether The Postal and RMS Coop. Bank Ltd. Ambala Cantt is in list of DICGC
Good evening 30 jan 23 ko 60 year
Complete abhi Senior citizen ka benefits le sakte hai
Sir kuch puchhna chahte ho tab comment box se alag puchh sakte hai
you can benefit of Tax benefit for this financial year
but extra FD interest will be applicable post 30th Jan 2023
Sir serwe gramee Bank RESPONSED BY PUNJAB NATIONAL BANK MAI RUPEES SAFE HAI
Yes Bank, panjab national bank. panjab nd sind Bank. R they safe
Any bank listed in the link is safe but Public sector banks are more safer than unknown pvt. One name account is safe upto 5 lakhs (savings acc, fd, Rd etc including) per branch.
Sir ekbar applog DICGC kaa rule bolte hoo , dusra app log bolte hoo 2 savings account rakne ke liye. Very confusing, pls clarify.
Don't listen to them. I have 10 Bank accounts. Almost all are zero balance accounts. Can manage all acounts from Mobile. No need to go to branch.
@@zenmilind well said 👍. But in which banks you have zero balance account?
@@sambaransarkar4519 Kotak 811, Axis ASAP, PayTm, Jio, NSDL, AU, Airtel etc are zero Balance accounts... Suryoday Small Finance Bank, Jana, Equitas I have to keep 1000 Rs balance.
@@zenmilind thanks
Managing of many accounts is not too difficult. There is guarantee of 5 lacs only. If a person has one crore and only account in one bank, bank fails then who will give him after 5lacs.Please reply definitely otherwise don't make this type of video.
Yes bank ... Is it safe
Dombivli Nagari Sahakari Bank & The Cosmos Co-op Bank - are these banks covered under RBI rules ?
Sir my a/c is in unity small finance , does it come under DICGC plZ confirm as I have already suffered as pmc a/c holder
Yes, it comes under DICGC
Indusland bank approved by RBI or not. Waiting of your response Sir
Yes
Q FD karwani hai kya 🐱
What about utkarsh small finance bank...is it 5lak or 1lak
Sir, please describe of premature with draw of KVP.
Bandhan bank & Axis bank
Mai keya 5,00,000/- ki suraksha milti hai ?
If a bank pays Insurance premium to dicgc than only your deposit comes under insurance
Agar kisi bhi saving account me dusara nam account me hai to uska kya disadvantages hai?
Is yes Bank safe for RD ?
Sir good morning sir maine cantral coopretive bank me fd ki thi FD maturing ho gei hai par mujhe paisa nahi mil raha bank wale kahte hai ki RBI se releese nahi hui hai please koi Marg bataye
Sir bank of baroda , union Bank and sbi RBI se registered h
Yes - all are safe Bank
AU Small Finance bank or IDFC First Bank
Sir I wait Ur tomorrow next video regarding gold......
Axis, HDFC, Yes
Sabhi bank account agar income tax govt ki najar mai to fir froad karke account se paisa uthata hai kya unka account najar mai nahi hai kya ...koi case kiu nahi hota hai.
Jana small finance Bank facility for 5 lakhs facility available?
Sir mere 2 account 0 Balance hai eak account saving hai mujhe bhi nuksaan hai kya
Nahi
Bhopal CoOperative Central Bank, kya yeh RBI ke antargat SAFE hai?
Ha
🕉 Sir ji,
Is there any restriction from a Income Tax department in having say 4 to 5 SB accounts, when details of such accounts are being shared while filing ITR?
Thank you.
No. I have 9-11, there is no such restriction and you don't face any trouble.
@@tarunkalra3924
thanks.
Agr same person ka 2acount hai same bank diff branch but dono Acount linked hai, to 10lakh limit h ya 5lakh safety k?
I think 5 lakhs per branch if you do FD with different family members in joint with them then again 5 lakhs insurance. Suppose you have total 3 members in your family (you, your wife and your child), you can open 1 5 lakhs fd in your name, then 2nd and 3rd 5 + 5 lakhs open in joint with your wife n child but only you have a one saving account in your name or joint with your family members. If the saving account has included your family members name in joint then other two family members can open one more 5 lakhs FD in same bank same branch. Please before investing more money in Multiple FD consultant you bank to clarify futher doubt directly.
Sir psb bank mein ek joined account hei kia ham ek singal account open kar sakte hei
अगर कूछ कारण वश पाच साल या उससे ज्यादा साल तक रिटर्न नही भर पाते है तो क्या करना चाहिए?
Kya DCB, IDBI,Indused jaise bank RBI k under aate hai
Canara Bank and Karnataka bank kya safe hain sir
Yes - Both are safe
Thank you for the reply sir
Humara Account Central Bank me hai...aur hum is me kitna rakh sakte hai
Sir ,
IDBI Bank RBI ke ander aati hai ya nahi?
ICICI Bank kya DICGC ke antargat aata hai..?
SBI is safe or not
पेटीएम सेविंग अकाउंट सही है क्या
Sir Aapka stock and mutual fund related video Monday ko aane wala tha kya hua sir ..Nahi aaya....kab tak aayega
I am put of station for vacation. Will bring video next week
Sorry for confusion
@@SahajInfo it's ok...sir
PNB bank me kya security hai, kitne rupaye tak secure hai
Sir, sb me minimum balance Rs. 25000/- hona chahya taki sab apne sb A/c band kerwa le.
Ujjwal finance bank is listed under RBI o not?
Kya ak bank me ak se adhik a/c rakh sakte hai
Sir mera ek PNB account hai chd me dusra bank of baroda ka or ek joint h account h wo b Baroda m
Central Bank óf indía salary àcctt SBI bank ofndia ki sthiti bataiye
Mera boi me saving account hai mera chota sa business hai
Us accounts se mera digital payment hota to kya ye thik hai
Ya mujhe carrent account open karna chahiye
10 lakhs se jada ka transection per year ho gaya toh sayed IT notice a jaye usse accha Current account khulwa le.
How to close two ppf account. Please guide us
Sir ye Bajaj finance Ltd me FD krana safe hai ki nhi???
Nhi
There is no effect on cibil score issue with respect to minimum balance... please correct
SBi,Bank of baroda, PNB,Union bank
Sir aap bole the mutual fund k video layenge but not bringing the same
Punjab National Bank
Mere 2 bank only account h. Koi darr to nhi h.
Mera saraswat bank me hai to kya surakshit hai?
Sir I wait Ur today video regarding gold rate so here I request you to pls sir upload it...
What sir
I don't want to talk with u....first tell me who r u....