फिक्स्ड डिपॉजिट (एफडी) उन लोगों के लिए सबसे सुरक्षित और सबसे पसंदीदा इन्वेस्टमेंट विकल्प है, जो इक्विटी और म्यूचुअल फंड जैसे जोखिम वाले विकल्पों में इन्वेस्टमेंट से बचते हैं. एफडी आपको अपने फाइनेंशियल जोखिमों पर नियंत्रण पाने और आपके जीवन के विभिन्न चरणों के लिए अपने लक्ष्यों को पूरा करने में मदद करती है. इनमें आपके बच्चे का भविष्य सुरक्षित करना, उसकी शिक्षा और शादी, या अप्रत्याशित खर्चों से बचाव शामिल हो सकता है. इस तरह के डिपॉजिट समय के साथ बचत बढ़ाने का एक स्मार्ट तरीका भी है.
एफडी में इन्वेस्ट करने से पहले जानने लायक महत्वपूर्ण बातें यहां दी गई हैं:
सुरक्षा
FDs are secured investments that offer assured returns. Fixed deposits offered by corporates and HFCs are rated by credit rating agencies, so that investors can choose wisely. If you are planning to invest in a corporate FD, always go for corporates that enjoy high ratings like ‘AAA’ or similar.
न्यूनतम डिपॉजिट
many companies have different minimum and maximum deposit amounts. It is advisable to check with the company before investing. At PNB Housing, the minimum amount that can be put in fixed deposit is INR 10,000.
अधिक पढ़ें – कंपनी फिक्स्ड डिपॉजिट की 5 ज़रूरी बातें
अवधि
most corporates offer deposits for a period anywhere between 1 year and 10 years. Choose your tenure carefully, as premature closure of an FD attracts a penalty that will reduce the total interest earned on your deposit. For example, if you think you need the money after two years, then make sure you invest for a period of two years or less.
ब्याज दर
corporates offer fixed deposit schemes that pay interest on cumulative and non-cumulative basis, depending upon the choice the applicant makes. Customers looking for a regular income on monthly, quarterly, half yearly or annual basis can opt for non-cumulative schemes. For investors looking for savings and return earned over a long period of time can choose cumulative schemes where both the principal and accumulated interest are paid on maturity. The rates of interest are subject to change at the sole discretion of the company. The fixed deposits which are offered by corporates and HFCs usually carry a higher interest rate than the bank fixed deposits
नॉमिनेशन
always exercise the nomination option in FD, more so if you are the sole depositor. In the event of the death of the depositor, the nominee can claim the entire sum with interest.
स्रोत पर टैक्स कटौती (टीडीएस)
the interest income from a particular corporate fixed deposit is more than INR 5,000, and then the company has to deduct tax at source beyond that amount. Thus, the limit for a TDS of a HFC is INR 5,000.
सीनियर सिटीज़न के लिए लाभ
corporate fixed deposits are a good investment option for senior citizens as they give them safe returns with an alternative of regular income, in their retirement years. Interest rates offered to senior citizens are generally 0.25% higher than the standard rates offered.
इन सभी कारणों से, फिक्स्ड डिपॉजिट एक सुरक्षित और सही इन्वेस्टमेंट है, जो नियमित आय प्रदान करने और इन्वेस्टर के जोखिम को कम या बिना किसी जोखिम के नियमित आय प्रदान करने के दोहरे लक्ष्य को पूरा करता है.
