फ्यूचर चाहिए सेफ,तो जानिए कौन सी FD है सुपरबेस्ट?

Aishwarya Awasthi Jul 14,2024

पैसों को भविष्य के लिए एफडी के जरिए लोग निवेश करते हैं है.

[{"selector":"#anim-3695a126-473d-40e7-b87f-d14cccdaa115","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-65f1305b-f78c-4274-acc3-f4e7a02e1823","keyframes":{"transform":["translate3d(0px, 195.61674%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3097d3cf-bd03-45c4-a572-b70a5440d261 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-3.552713678800501e-15%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

मार्केट में पोस्ट ऑफिस एफडी और बैंड एफडी को अधिक यूज किया जाता है.

[{"selector":"#anim-cb0d7879-8f6f-4f9d-85c9-722d719cf0d9","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3def67c7-2046-42fe-946c-19983dbe8ba7","keyframes":{"transform":["translate3d(0px, 138.96197%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8cdf40ab-61b4-4def-bdfc-f21aa12d3916 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-14.123376532946324%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

इन दोनों एफडी पर आकर्षक ब्याज दर पेशकश होती हैं.

[{"selector":"#anim-3474f29c-3a75-411c-b31e-bf769f1ffbe1","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e98b835-652e-4f5f-b53f-56096c89dd26","keyframes":{"transform":["translate3d(0px, 209.37818%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0a319aee-ad14-4b4d-bf73-9805bd21d57c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-25%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

ऐसे में सवाल है कि पोस्ट ऑफिस या बैंक एफडी क्या है बेहतर.

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पोस्ट ऑफिस के खाते की अवधि 1 से 5 वर्ष तक होती है.

[{"selector":"#anim-537b4cf8-6bb9-42dd-ba10-74ee4a70f8c5","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-29356f32-8f65-4013-a900-9f8f8c5c8e56","keyframes":{"transform":["translate3d(0px, 200.20388%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-861be252-306e-4a86-bb07-c0b17bc435e0 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

बैंकों में सावधि जमा की अवधि 7 दिन से 10 वर्ष तक होती है.

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पोस्ट ऑफिस टाइम डिपॉजिट स्कीम 6.9 से 7.5% के बीच ब्याज देती है.

[{"selector":"#anim-b71c153f-77fa-4621-b786-760895cd6be3","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-cec3b626-17ed-4d30-85db-a401960d3c0f","keyframes":{"transform":["translate3d(0px, 192.86442%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b050668b-c959-4c8a-89ef-9b3ed7a627ba [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

HDFC बैंक,ICICI, एक्सिस बैंक और PNB जैसे बैंक एफडी पर 6.5 से 7.25% के बीच रिटर्न देते हैं.

[{"selector":"#anim-f4ea7294-8612-4834-8d24-240721d09c6e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-39b71e73-1d26-4750-a13a-de80e84c256f","keyframes":{"transform":["translate3d(0px, 156.31655%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f31d8a8c-cdd5-481e-ba1d-499d81b8c982 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

अक्सर बैंक सीनियर सिटीजन को एफडी पर अतिरिक्त 0.5 प्रतिशत ब्याज देते हैं.

[{"selector":"#anim-cb499005-5e62-4f7e-9df1-b6a8b8a99735 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-58bc4126-b667-4b30-8793-8eba6bc26382","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7bd64c73-2371-4283-af19-0ff7288b94dc","keyframes":{"transform":["translate3d(0px, 212.13049%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

सीनियर सिटीजन के लिए ये सुविधा पोस्ट ऑफिस टाइम डिपॉजिट योजना में नहीं है.

[{"selector":"#anim-3bb317d6-0762-4654-9e4e-e418ca7f3b49 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-1d4f9045-ddbb-4204-83c0-7e6fffac6a1c","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-939f5f30-0eb0-45ca-b511-91056fccac63","keyframes":{"transform":["translate3d(0px, 144.67271%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] MCX पर सोने का रेट करीब 550 रुपए बढ़ गया है.

पोस्ट ऑफिस की एफडी में 1.5 लाख रुपये तक टैक्स बचता है.

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सेम बैंक की एफडी में 1.5 लाख रुपये तक टैक्स बचता है.

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