Mutual fund ek investment option hai jahan aapka paisa professionals dwara stock market mein invest hota hai.
Mutual fund ke types
Equity fund
Debt fund
Hybrid fund
SIP kya hota hai
SIP se aap monthly thoda-thoda invest kar sakte ho.
Conclusion
Long-term wealth creation ke liye mutual fund ek smart option hai.
Personal loan bina security ke milta hai, isliye iska interest rate thoda zyada hota hai.
Zaroori baatein
Interest rate compare karein
Processing fees check karein
Prepayment charges samjhein
EMI affordability dekhein
Loan tenure wisely choose karein
Tip
Sirf zaroorat par hi personal loan lein.
Credit score aapki financial discipline ka score hota hai. India mein CIBIL score sabse zyada use hota hai.
Good credit score
750 ya usse zyada = excellent
Credit score improve kaise karein
EMI time par bharein
Credit card limit ka full use na karein
Bar-bar loan apply na karein
Conclusion
Achha credit score sasta loan aur fast approval dilata hai
Home Loan ek long-term loan hota hai jisse ghar kharida ya banaya jaata hai. Ye loan generally 15 se 30 saal ke tenure ka hota hai.
Home Loan ke main points
Interest rate: Floating ya fixed
EMI: Monthly installment
Margin: 10–20% borrower ka contribution
Eligibility kis par depend karti hai
Income
Job stability
Credit score
Existing loans
Tip
Home loan lene se pehle EMI calculator zaroor check karein.
Paise bachane ke liye log sabse pehle Fixed Deposit (FD) aur Recurring Deposit (RD) ka naam sunte hain. Lekin kaafi log confuse hote hain ki FD aur RD mein exact difference kya hai.
FD (Fixed Deposit)
FD mein aap ek saath lump sum amount bank mein deposit karte ho. Ye paisa fixed time ke liye hota hai aur is par fixed interest milta hai.
RD (Recurring Deposit)
RD mein aap har month thoda-thoda paisa deposit karte ho. Ye un logon ke liye best hai jo salary ya regular income se saving karna chahte hain.
Main difference
FD: Ek baar paisa, RD: monthly saving
FD: Higher amount ke liye best
RD: Discipline ke saath saving ke liye best
Conclusion
Agar ek saath paisa hai to FD, agar monthly saving karni hai to RD best option hai.
Aaj ke time mein har aadmi ke paas bank account hona zaroori ho gaya hai. Lekin maximum log bas account open kara lete hain, ye samajhne ki koshish nahi karte ki Savings Account hota kya hai aur iska sahi use kaise karein.
Is article mein hum simple language mein samjhenge savings account ke basics.
Savings Account ek aisa bank account hota hai jisme aap apne paise safe rakh sakte ho, jab chaaho nikal sakte ho aur bank us par interest bhi deta hai.
Ye account daily transactions aur savings dono ke liye use hota hai.
Paise ko surakshit rakhna
Daily expenses ke liye easy withdrawal
Thoda sa interest earn karna
Salary, pension, subsidy, DBT receive karna
Bank aapke account ke daily balance par interest calculate karta hai aur usually quarterly ya half-yearly basis par account mein add karta hai.
India mein savings account ka interest rate generally 2.5% se 4% ke beech hota hai (bank ke hisaab se).
ATM card aur debit card ki facility
Online banking aur UPI support
Mobile banking se 24×7 access
Minimum balance ke options (basic accounts mein zero balance bhi)
Safe aur regulated system
Regular Savings Account
Zero Balance Account (Jan Dhan type)
Salary Account
Senior Citizen Savings Account
Har type ka use alag-alag logon ke liye hota hai.
Zyada paisa sirf savings account mein na rakhein
Emergency fund ke liye use karein
Long-term savings ke liye FD, RD ya Mutual Fund consider karein
Unnecessary ATM withdrawals avoid karein
Savings Account har insaan ke liye basic financial tool hai. Ye paise ko safe rakhne aur daily transactions ke liye best hai, lekin sirf savings account par depend rehna financially smart decision nahi hota.
Agar aap savings aur investment ko balance karke chalte ho, tabhi aapka paisa grow karta hai.
