FD में नहीं होगा धोखा, बस दिल-दिमाग में बैठाएं ये बातें

Aishwarya Awasthi Jul 27,2024

फिक्स्ड डिपॉजिट यानी एफडी में अक्सर लोग निवेश करते हैं.

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हालांकि बिना सोचे समझे एफडी में निवेश करना भारी पड़ सकता है.

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अगर एफडी करवा रहे हैं तो कुछ बातों को दिमाग में जरूर रखें.

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हमेशा ज्यादा ब्याज के लिए प्राइवेट सेक्टर या स्मॉल फाइनेंस बैंक में कर सकते हैं FD.

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एफडी लेने से पहले उसकी टेन्योर के बारे में पूरा सोच लेना चाहिए.

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अगर एफडी के मेच्योर होने से पहले तोड़ेंगे तो फिर पेनल्टी लग सकती है.

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एक एफडी में ढेर सारा पैसा लगाने की जगह और भी एफडी ऑप्शन चुनना चाहिए.

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ये बात जरूर ध्यान रखें कि फिक्स्ड डिपॉजिट पर होने वाली ब्याज आय पर इनकम टैक्स स्लैब के मुताबिक टैक्स लगता है.

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एफडी पर लोन मिलता है लेकिन ये लोन लेने से पहले ब्याज दरों की पूरी जानकारी लें.

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एफडी लेने से पहले ध्यान देना चाहिए कि सीनियर सिटीजन को ज्यादा मिलता है ब्याज.

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