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Banks See Worst Deposit Crunch in 20 Years | Economy | GS 3 | UPSC CSE | StudyIQ IAS | IPS | IFS 

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In this video, we delve into the alarming deposit crunch that banks are experiencing, marking the worst in 20 years. Understand the underlying causes, implications for the economy, and potential solutions. This analysis is crucial for UPSC aspirants preparing for GS 3, offering insights into the banking sector's challenges and economic policies. Stay informed with StudyIQ IAS to enhance your preparation for IAS, IPS, and IFS exams.
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11 июл 2024

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Комментарии : 1,6 тыс.   
@studyiqofficial
@studyiqofficial 26 дней назад
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@tesac_182
@tesac_182 26 дней назад
People learned to invest that’s all
@dgameworld497
@dgameworld497 26 дней назад
Yes
@vasudhaiv6968
@vasudhaiv6968 26 дней назад
That’s my first thought.
@Tanagumch
@Tanagumch 26 дней назад
I was going to comment the same fact👍
@priomsingh104
@priomsingh104 26 дней назад
Same in my family 😂😂😂😂
@shyamjewellers
@shyamjewellers 26 дней назад
true....
@himanshudixit4859
@himanshudixit4859 25 дней назад
Sbi - lunch k baad ana Le Public - ab ham aayenge hi nhi..😂😂😅
@perseveregamer7806
@perseveregamer7806 13 дней назад
All the banks must be closed
@sameelshamnad6142
@sameelshamnad6142 5 дней назад
​@@perseveregamer7806imagine reserve bank getting closed. The whole indian monetary funds will collapse.
@AkashDeep-rr6jo
@AkashDeep-rr6jo 4 дня назад
😂😂
@joysarkar6296
@joysarkar6296 День назад
​@@perseveregamer7806phir ghanta bajana aur Mahajan se 50% pe loan lena..
@perseveregamer7806
@perseveregamer7806 День назад
@@joysarkar6296 service quality matters bro.. hdfc me abhi toh 25% pe personal loan h.
@mukeshdhiman802
@mukeshdhiman802 25 дней назад
Bank FD does not even cover inflation. It is foolish to keep money in bank.
@Hasis-s3y
@Hasis-s3y 6 дней назад
Unless you consider compounding on 8% pa
@Shadow-lf9dv
@Shadow-lf9dv 25 дней назад
If you deposit high ammount in bank you have to pay tax on interest every year If you invest in stock or mutual fund for long term you have to give only one time long term capital gain tax .. .. Reduce tax All rich people are leaving India only because of such High Tax System
@AejjaenAnand
@AejjaenAnand 26 дней назад
Good news saving intrest 3% , loan intrest 12% 😂😂😂😂😂 Thankyou for 1 million likes 👇🏿
@scenecorner9940
@scenecorner9940 26 дней назад
Bro sbi 2.7%
@humbleindian6303
@humbleindian6303 26 дней назад
abey gadha hai kya ? deposit growth 13.5% higher than gdp growth of 8% , credit jyada growth kar rahi hai to CD high hai , jo ki achi baat hai, galat mat padha bhai !!!
@dilipsahu6050
@dilipsahu6050 26 дней назад
150%right, banks need to think this.
@kiransankarpati
@kiransankarpati 26 дней назад
3% only for short term , while loans are mostly long term . higher the risk , higher return . rule of basic finance.
@aajj2153
@aajj2153 26 дней назад
3 percent we will not get monthly For 12 percent have to pay monthly indirectly in advance which they give to another customer So i think paying monthly is more than 12%
@dineshkumaryadav720
@dineshkumaryadav720 26 дней назад
Bank Interest deti hai 2.5% to 3% Aur Leti hai 9.5%to 16%😂😂
@user-po4ui1mh1v
@user-po4ui1mh1v 26 дней назад
Bhai isse bhi jyada Paytm, Bajaj, Mahindra aur bhi kai Inka 20 % se jyada hai
@Vkearnings2024
@Vkearnings2024 26 дней назад
Sahi baat isliye mai share market me invest kar deti hu ,bank me nahi chorti,Acha returns mil jata hai
@funlife3484
@funlife3484 26 дней назад
Toh operating cost, staff cost have to be managed na, that's why
@TheTruthBhidu
@TheTruthBhidu 26 дней назад
How bank will survive or give salary to their employees??
@user-cp8mr1hk9p
@user-cp8mr1hk9p 25 дней назад
Murkh admi fd ka intrest rate 7.30% hai 😅
@humenbot24
@humenbot24 21 день назад
My father is a businessman & he never encourages me to invest in banks. He always say buy assets. Bank is for small people, who lend their money to bank for3-4% & end up paying 15-20% when they take loan from that same bank. He used to say this 2 decades ago. People realize this now after 2 decades. Bapu was smart❤.
@vipinkushwaha8416
@vipinkushwaha8416 26 дней назад
लोगों के पास पैसा भी तो कम है। उसी से शिक्षा, स्वास्थ्य व दैनिक खर्च भी करना है।
@worldnewsanalysis9613
@worldnewsanalysis9613 25 дней назад
Nahi bhai logo k pass paisa hai. Log stock me jada investment kar rahe hai mai khud job karta hu aor 80% invest karta hu bas 20% bank me rakhta taki emergency me kaam aay. Bank me FD k 7% milte hai aor stock me maine 33% ka return nikala hai pichle sal. Mai bank me kyu jau jab investment kar k jada paise mil rahe hain
@harbansguleria5090
@harbansguleria5090 25 дней назад
Ka. Hai paisa tho bhi bank mei tho hona cahheye naa
@IMAN_IIT_PATNA
@IMAN_IIT_PATNA 25 дней назад
​@baat to sahi hai 😅😮😮worldnewsanalysis9613
@sonukumar-kh3xg
@sonukumar-kh3xg 25 дней назад
👍👍👍
@mohitaggarwal7583
@mohitaggarwal7583 25 дней назад
Not true
@sudeshnayak3795
@sudeshnayak3795 26 дней назад
Nonsensical Bank charges discouraging deposits, FD Rates discouraging…bank employees selling insurance products without proper knowledge and communication to customers discouraging for banking….hence invest right place
@sinister5347
@sinister5347 26 дней назад
Sbi zero charges
@ishanrawat3177
@ishanrawat3177 26 дней назад
​@@sinister5347 sbi 0 charges and 0 service as well. Employees are not interested to work in bank and bank servers are fked up
@Allah-ka-Husband
@Allah-ka-Husband 25 дней назад
Jharkhand: Five Muslims broke hands of a Dalit man for refusing to eat the meat of cow , and fórçed him to consume the Bëef in Sahibganj district of Jharkhand. The main accused has been identified as 30-year-old Mithun Sheikh. Source- The One India and Indian Express, Jan 2023
@shreyanshbhogayta6349
@shreyanshbhogayta6349 25 дней назад
Ha Bhai agent kuch samjate nay, bas jaldi se ye lo wo le pressurise
@nagendarbabu111
@nagendarbabu111 24 дня назад
Charges are there even in mutual funds , stock markets , nothing comes free of cost
@RAVI22ize
@RAVI22ize 26 дней назад
Din rat Mutual fund ka add dikha dikha kr sbne Sip and lunsump kr rkaha hai
@Fekuchand_
@Fekuchand_ 26 дней назад
😂😂😂
@introworldss
@introworldss 26 дней назад
Exactly i always prefer mutual fund rather than FD. I liq all fd and put in MF
@yourfavanime1446
@yourfavanime1446 26 дней назад
​@@humbleindian6303bhai tu har jagah ek he comment kar raha hei😂
@akatsuki_.
@akatsuki_. 26 дней назад
​@@yourfavanime1446bot h china walo ka
@ashwinis1562
@ashwinis1562 25 дней назад
Ha minimum 12 %return hai, vo bhi 2-4mahine me to why not stoks and MF
@RenuKumari-di9zl
@RenuKumari-di9zl 26 дней назад
बैंक कर्मी का सक्ल देखकर वैसे भी दिमाग खराब होता है😂। निवेश करना अच्छा सोच है। 😊
@Anonymous-gt7ok
@Anonymous-gt7ok 26 дней назад
😂👍
@HillariousPanda16
@HillariousPanda16 26 дней назад
Are Aisa mat bol bhai....mere society me do ladkiya rehti hai bank me kaam karti hai kya masst hai badi pyari hai dono 😂😂❤❤
@RenuKumari-di9zl
@RenuKumari-di9zl 26 дней назад
@@HillariousPanda16abhi t raste me achi lag rahi hai, kabhi Bank jake mil pta chal jayega...😁
@HillariousPanda16
@HillariousPanda16 26 дней назад
@@RenuKumari-di9zl 🤣🤣😂😂
@JumpingBag
@JumpingBag 25 дней назад
🤣🤣🤣🤣🐒
@XPOSER6949
@XPOSER6949 25 дней назад
bank jao to ese treatment milta jese ehsaan krre yelog to ab badiya sabak sikhaya h public ne
@shiprarathod311
@shiprarathod311 26 дней назад
Meri mummy to bank main isliye deposit nahi karti kyuki sbi vale paise nikalte time signature match nahi karte bahut pareshan karte hain😂😂😂
@abhijitkalita6938
@abhijitkalita6938 26 дней назад
Bilkul hasi nhi ayi 🥲.
@v-rex3206
@v-rex3206 26 дней назад
​@@abhijitkalita6938us bhai us 😂
@kaluwa5946
@kaluwa5946 25 дней назад
🎉❤
@theankurgautam
@theankurgautam 25 дней назад
Mera khud kabhi signature match ni kia....
@RK11271
@RK11271 25 дней назад
​@@abhijitkalita6938Epic😂
@rocklinux2412
@rocklinux2412 26 дней назад
One of the main reason is very low interest rates on FD.
@kaushalkumarsingh6063
@kaushalkumarsingh6063 26 дней назад
Current 8-9% interest rate on FD. that's risk free investment
@ankushboraste6011
@ankushboraste6011 26 дней назад
Which bank ??​@@kaushalkumarsingh6063
@kaushalkumarsingh6063
@kaushalkumarsingh6063 26 дней назад
Galti govt ki hai ki FD ke interest pe bhi Tax leti hai. FD interest should be tax free
@introworldss
@introworldss 26 дней назад
Nope, only one reason mutual fund giving 3 times int rates than FD, mutual fund sahi hai 😂 and fd short term m kuch v benifit nhi q na jae mf m
@kaushalkumarsingh6063
@kaushalkumarsingh6063 26 дней назад
@@introworldss MF is good for the age group like 20 to 40, beyond that everyone needs sure sure returns. I also invest in MF and everyday I visit my portfolio like 10-20 times. If someone has 1cr at the age of 40-45, he can easily get 6-7 lakh from FD, that's a good amount for the basic needs and that too RISK FREE. Mutual fund is always associated with risk, you might be happy today because market is achieving new heights daily but what if it falls everyday?
@anti-human88
@anti-human88 26 дней назад
Remove tds on FDs. It can increase deposits.
@mexicanmomo
@mexicanmomo 25 дней назад
Saving Interest rate - 4% Term deposit rate - 6% Interest rate - 10% - 12% Why shall we deposit money in banks ? Also due to high inflation, saving of people have reduced .
@anilr1296
@anilr1296 24 дня назад
True. RBI says inflation rate is 4-6 %. but inflation rate is definitely near to 10%. So there is no match between RBIs interest rate and inflation rate. Learning to spend less and save more.
@himanshusahu9828
@himanshusahu9828 4 дня назад
Areee.. tax toh bhool hi gaye 😂
@Real_OptionTrader
@Real_OptionTrader 26 дней назад
Stock market ka chakkar babu bhaiya stock market ka chakkar 😂
@Not_hehe-dc3xu
@Not_hehe-dc3xu 26 дней назад
STOCKS KA PAISE BHI TOH BANK ME AATA H
@blackbrute2504
@blackbrute2504 26 дней назад
​@@Not_hehe-dc3xubroker apps mai hi rehta hai😂 profit ka paisa log dobara laga dete hai. Zarurat ka paisa hi withdraw hota hai.
@TheGohan09
@TheGohan09 26 дней назад
Babu*
@Real_OptionTrader
@Real_OptionTrader 26 дней назад
​@@TheGohan09👍
@anuragsengar1572
@anuragsengar1572 26 дней назад
​@@Not_hehe-dc3xugalat. Wo alg chij hai.
@Itachi_88mm
@Itachi_88mm 26 дней назад
In 2005 RBI stepped in saying Banks cannot accept interest free deposits As they didn't want to 6% on deposit in 2005 which they reduced from 15% to 12% and then to 6% When banks can think of their own intrest consumer can do the same and 2024 mein SBI ne Govt ko 43 Billion $ ka dividend diya hai toh Jo banks loss mein hai & Customer ko Intrest nahin desakti kaise Rs 35,91,33,20,50,000 dividend Diya
@humbleindian6303
@humbleindian6303 26 дней назад
abey gadha hai kya ? deposit growth 13.5% higher than gdp growth of 8% , credit jyada growth kar rahi hai to CD high hai , jo ki achi baat hai, galat mat padha bhai !!!
@yuvrajroy1257
@yuvrajroy1257 25 дней назад
Bro Bank loan dekar paisa kamati hai Agar woh tumhae 15% interest deni lagi toh Woh 22% minimum loan ka charge karenge
@AATE-KI-LINE-MAI-KHADA-HU
@AATE-KI-LINE-MAI-KHADA-HU 25 дней назад
Woman Shahida kìll$ 6-year-old son in Palakkad, tells cops she sàcrîficed him for 'Allah' Source- The News Minute.
@sinchanmondal9526
@sinchanmondal9526 25 дней назад
Are saying SBI is loss making? SBI profit last year was 61k Cr Rs. And the deposit crunch started because of cross selling..
@varunmittal3617
@varunmittal3617 24 дня назад
​@@sinchanmondal9526 we are getting matured like US UK, creating active mkt for Govt treasury to reduce dependance on Repo loans will be way going fwd.
@vaibhav07
@vaibhav07 25 дней назад
Now government will start raising taxes on stock market transactions, enforce taxes on savings account withdrawal, and make policies to basically force people to put money in FDs. And Nirmala tai will say, our retail investor has taken the burden of loss making banks on their shoulders.
@Bayeak
@Bayeak 21 день назад
Govt: jeene nhi dunga
@Amit.Pawade
@Amit.Pawade 24 дня назад
Aaj Bank me 1000rs deposit kro aur 1 saal bad check kro to 900 rs milte hai.
@thelayer5211
@thelayer5211 10 дней назад
Milenga to 1060 rs but uski value 900rs hongi
@yogendrapatle6671
@yogendrapatle6671 26 дней назад
Jisko invest krna aata vo b bank me nhi rkhta h aab Vaise b bank sirf rich people ke liye hi h normal logo ke liye koi profits nhi
@mukuljain29
@mukuljain29 26 дней назад
sahi bola bhai
@Fekuchand_
@Fekuchand_ 26 дней назад
🎉🎉
@thecaptainz
@thecaptainz 24 дня назад
Bank me liquidity kam kar di hey deposit pe limit or withdrawal pe limit ek tarah se cash ke limit laga di hey 😂 public ko Smart banane ke liye thanks.. Ab income tax kam karoge toh bhi farak nahi padta 15-20% tumhe dene se acha long term equity lele ...
@vlogsinside
@vlogsinside 26 дней назад
Low FD rate & low facilities, best option in MF, mutual fund sahi he 😂😂yar
@DoctorCouple.
@DoctorCouple. 26 дней назад
ETF best
@surajwavre8291
@surajwavre8291 25 дней назад
​@@DoctorCouple. लक्ष्मी चीट फंड 💪😎
@promuddaulagupu7855
@promuddaulagupu7855 25 дней назад
We need to be 50:50 bank+ MF because if market crash we will lose our money whereas in bank our money is more secure but low interest
@AtmaNirbhar1947
@AtmaNirbhar1947 26 дней назад
TDS is one of the biggest reasons people aren’t depositing in Banks. As even old age people suffer to file ITR which is confusing and complex for most people and TDS is applicable above 40K interest.
@pushpendrasoni4972
@pushpendrasoni4972 24 дня назад
actually root of this problem lies inside the banks only....As people's wants to deposit at banks but due to cross selling target like mutual fund and insurance investment target reduced the bank deposits. bank staff forced to sell these cross selling products every day...and that's the biggest reason of deposit reduction. now why bank staff getting such target from management? here catch is higher position official getting good amount of commission and freebies from this cross selling companies in some way or other. its actually matter of deep investigation by RBI.
@Dan54382
@Dan54382 26 дней назад
2008 crisis me India kyu bacha tha... toh woh sirf saving ki wajah se ..today by mimicking usa economy tatics of earn and spend Savings are at minimal level..!! A single failure of any of the major sector can be havoc..!
@uraa7509
@uraa7509 26 дней назад
Top Notch Observation Bruh 👍📈
@rajatdogra96
@rajatdogra96 26 дней назад
Tum save karlo phir 2.5 percent par 😂
@vinaybhat7670
@vinaybhat7670 26 дней назад
Saving india me gold me hota he
@Dan54382
@Dan54382 26 дней назад
​@@rajatdogra96not against investing brother..but do you think businesses are coming that easy nowadays..?
@realSamarthT
@realSamarthT 26 дней назад
Gold is also saving​@@rajatdogra96
@sanjay777pal
@sanjay777pal 26 дней назад
Because government deduct income tax on bank savings interest over 10k, now salary ones prefer not to deposit in banks because of this
@KOMALKUMARI-rx2vr
@KOMALKUMARI-rx2vr 26 дней назад
As per sources ...now going to limit of interest limit 25k.. will be tax free
@saurabhgangwar5312
@saurabhgangwar5312 26 дней назад
Invome from fd , from saving account should be tax free...otherwise its like ur burning ur money...its not beating inflation...​@@KOMALKUMARI-rx2vr
@harishankarpatra3373
@harishankarpatra3373 25 дней назад
Submit 15g at your branch.
@mrsingh6918
@mrsingh6918 25 дней назад
What is that​@@harishankarpatra3373
@Shivam_singh096
@Shivam_singh096 25 дней назад
Per month per year ?
@swapnilbhoir6096
@swapnilbhoir6096 26 дней назад
Before bank was enjoying as people was not aware abt investment, now people knows how to invest simple
@swapnilbhoir6096
@swapnilbhoir6096 9 дней назад
@@manishasingh87 hmm indeed
@sanjon6681
@sanjon6681 26 дней назад
Deposits are going to stock market which has very high inherent risk. Govt. has also support for stock market investment indirectly
@adityachaudhary1610
@adityachaudhary1610 26 дней назад
People are doing 2 things Invest or spend No big deal
@MemeBro-jh7xq
@MemeBro-jh7xq 26 дней назад
invest jada kra ha ya problem chlra ha
@himanshumakwana3666
@himanshumakwana3666 25 дней назад
& buying everything on EMI
@MemeBro-jh7xq
@MemeBro-jh7xq 25 дней назад
@@himanshumakwana3666 emi bhi paso sa he dee jati ha
@devashishrajofficial
@devashishrajofficial 26 дней назад
Bank management is fully pressurizing its employees to provide loans on every day and weekly monthly targets are set . Different days are set for MSME,Agri, Retail loans. We are witnessing such Banking since 7-8 years.
@Akb2002
@Akb2002 25 дней назад
i think stock market will crash soon due to the overhype... and bubble is also formed.... anyone can see how defence grow 100% in last month....
@jasandroidphone3820
@jasandroidphone3820 22 дня назад
everyone saying same story for last 4 years ,
@Rishiraje97
@Rishiraje97 8 дней назад
Crash ❌ correction ✅
@srreelscreations
@srreelscreations 26 дней назад
They should give atleast 8-9% per annum for saving account.
@Fekuchand_
@Fekuchand_ 26 дней назад
Profit kya कमाएगा bank 😗😆
@scenecorner9940
@scenecorner9940 26 дней назад
Bank ko npa losses ko bhi cover karna hota he
@srreelscreations
@srreelscreations 26 дней назад
@@scenecorner9940 they are taking 12.5 to 14% interest bro and they are investing in stock and mutual funds which are avarage gives 20 to 40 percent annual growth 📈. Now public will invest in MF which gives annual 15% with 90% riskfree Rupees depreciation is on an average 5 to 7 percent and they are giving 3 to 4 percent interest for saving which means in 25 years your own invested money will be half of present value of money even after 4 percent interest return for your money.
@ZenoSamaOmniKing
@ZenoSamaOmniKing 26 дней назад
​@@scenecorner9940so we will not deposit in banks , simple as that
@shubhamsingh1539
@shubhamsingh1539 26 дней назад
​@@scenecorner9940ye bhi meri galti h
@SBasak1989
@SBasak1989 26 дней назад
This is the result of high taxation at every step and low interest. Increase 80TTA limit, and provide some relief in RD, FD interests. If you are not providing either of them, then its better to invest in mutual fund, it will provide atleast better returns than savings, we will provide the STCG/LTCG from that extra interest, and then also we will be in profit than savings account
@pavanshetty9806
@pavanshetty9806 25 дней назад
Taxes are not high compared to history. Therefore tax is not the issue
@kesrinandanbaderiyagupta5638
@kesrinandanbaderiyagupta5638 24 дня назад
Reason is interest rates and bubble in stock market
@gydave
@gydave 24 дня назад
@@pavanshetty9806 ; LoL! Previously FD interest up to some amount was not taxed. Previously there was no LTCG only STCG. Previously, the dividend income up to 12 lacs was tax free! Previously, there were indexation benefits on debt mutual funds, now there is not! Taxes have increased many fold now! In which delusional world are you living? 🤣
@pavanshetty9806
@pavanshetty9806 23 дня назад
@@gydave FD was taxed. Only Long term tax was not there. But we are talking about deposits so Long term tax does not come into picture. Also FD small amount that was not taxed isnt significant for Deposit crunch. Stay within topic and context buddy. Also tax relaxation has been increased on income upto 7 lakhs now unlike before. Therefore tax is not the issue for Deposit crunch.
@RajatSharma-cn6qy
@RajatSharma-cn6qy 5 дней назад
​@@pavanshetty9806tax and low interest rate are the problem...taxes are high...u should not compare 20 yrs back.. the situations were different at that time
@amitkrstyle
@amitkrstyle 26 дней назад
The current deposit crunch in Indian banks is truly alarming. With inflation eating away at savings, people are increasingly seeking better returns through alternative investments rather than traditional bank deposits. This trend is further exacerbated by the rising number of unemployed individuals turning to the stock market in hopes of quick gains. It's a precarious situation that underscores the need for more attractive savings options and stable economic policies to restore confidence in the banking system.
@VilhotkaflenStrasktestu
@VilhotkaflenStrasktestu 26 дней назад
what is the reason of saving when you saved deposit will have same value as you depositted after 4 years .
@sarnandudutt78
@sarnandudutt78 26 дней назад
yes exactly ​@@VilhotkaflenStrasktestu
@chinmoybasak7749
@chinmoybasak7749 24 дня назад
​@@VilhotkaflenStrasktestuwhat happens stock market correct 15%??
@devilhex2802
@devilhex2802 25 дней назад
A simple consequence of government policies. All government policies show that government want everyone to spend money instead of saving. In addition, people are learning about investing.
@thedoctrader
@thedoctrader 26 дней назад
Govt be like: Tax badha dete hein, sab kuchh thik hojayega 😂😂
@Blitz-krieg39
@Blitz-krieg39 26 дней назад
Isi govt ke to Kaarnaame hain sab
@punitprajapati4677
@punitprajapati4677 26 дней назад
😂😂😂 chamcha ​@@Blitz-krieg39
@oo7posam581
@oo7posam581 26 дней назад
​@@Blitz-krieg39ye bichara Invest nahi karta😂 Garib!!!
@Fekuchand_
@Fekuchand_ 26 дней назад
​@@punitprajapati4677🐷🐷😓😓😓
@raviyadav-eh9gr
@raviyadav-eh9gr 26 дней назад
Bhai yeh hasne ki baat nahi hai, hum log tax toh de rahe hai per badle Mai hame kya mil raha hai
@souvikchowdhury7536
@souvikchowdhury7536 26 дней назад
FD rates high krna hoga ....janta see luto kam income ka source doo...
@abc_cba
@abc_cba 26 дней назад
Nobody who is educated keeps money in banks, amid this much inflation!!
@jaykanani1977
@jaykanani1977 26 дней назад
Should not keep due to Inflation or not keeping that's why Inflation?
@SumanaGhosh-nc8js
@SumanaGhosh-nc8js 25 дней назад
inflation toh 4.8% hi hai.
@jaykanani1977
@jaykanani1977 25 дней назад
To be honest mere ko economic me sab kuch gol gol samaj aata hai Market me paisa zyada hoga > inflation badhega > people will spend less > prize of commodities will decrease > people will spend more > market me money supply increase , events repeat Hoge
@pavanshetty9806
@pavanshetty9806 25 дней назад
Inflation is within range buddy.
@perseveregamer7806
@perseveregamer7806 13 дней назад
Yes all the banks should be closed by govt
@jagan_94
@jagan_94 25 дней назад
FD rates wapas 12% kro warna bank bekar hai, normal index fund mei 15% aa jata hai.
@rakeshH_M
@rakeshH_M 26 дней назад
All are shifted to other investment likes Gold, Mutual fund, Share market etc.😅
@prakashbharadwaj1
@prakashbharadwaj1 25 дней назад
Earlier govt was not taxing the FD so seriously. After Aadhaar and PAN linking, FDs became more visible to income tax dept. Also MF and shares tax is different, will go under LTCG.
@danlightened
@danlightened 9 дней назад
It's good only. Otherwise, all of India wants to carry out everything in black money. Yeah the taxes are high but they wouldn't be so high more people paid a little for a lot of things. Currently only few people are paying the chunk of taxes and are expected to carry the burden of 150 crore people, most of whom are incredibly poor, compared to the global average.
@hshivani7303
@hshivani7303 26 дней назад
Sbi ke 400 days wali fd me 7.1% roi milta hai for general public and it's 7.6% for senior citizens
@Deepak-fh4ig
@Deepak-fh4ig 25 дней назад
In PNB it's 7.25% for 400 days and 7.75 % for senior and 8.05 % for super senior citizen.
@vkpkck
@vkpkck 24 дня назад
Must increase it to 10% for five years
@ayeshasiddique2501
@ayeshasiddique2501 23 дня назад
Banks are themselves responsible for this. They suggest customer to invest in life insurance and mutual fund to complete their targets. Bankers have become insurance agents now 😂😂
@DeepakKumar0733
@DeepakKumar0733 26 дней назад
Paisa hoga tb to deposit krenge...!!
@drarunmaurya3127
@drarunmaurya3127 26 дней назад
Means banks may default very fast if depositors ask for their money back.
@royalpankaj9769
@royalpankaj9769 26 дней назад
no bank will start taking money from bond market
@uraa7509
@uraa7509 26 дней назад
​@@royalpankaj9769Bhai esa agar itna aasan hota toh 2008 mein USA financial crisis face nhi karta
@kiransankarpati
@kiransankarpati 26 дней назад
no, RBI can prevent rapid mass withdraw like it has happened before in 2008 financial crisis.
@SaiSS961
@SaiSS961 26 дней назад
That's what happened to silicon valley bank last year. People rushed to the bank to withdraw all their money, raato raat bankrupt hogaya bank😂😂.
@uraa7509
@uraa7509 26 дней назад
@@kiransankarpati U r right , But RBI needs to intermediate immediately by raising interest rates or more stringent lending policy
@bibhashazra4414
@bibhashazra4414 25 дней назад
Very very good news. I am happy to know that Indian learn about inflation and interest rates of bank. Indian gain financial knowledge.
@danlightened
@danlightened 9 дней назад
Exactly. And the inflation since a few years have been absolutely insane. I track CPI and everything but I feel like even those are not showing the ground reality.
@arvindbhatt9758
@arvindbhatt9758 24 дня назад
Great analysis
@kshitij1510
@kshitij1510 26 дней назад
Liquid funds best option hai against savings account balance and fd
@rajanbharti9999
@rajanbharti9999 26 дней назад
Bank is run by public but not for the public. For corporate.
@debanarayanmallick170
@debanarayanmallick170 26 дней назад
Public hai sab kuch samajh ti hai Bank deti hai Deposit par 3%, loan interest leti hai 9-14% |😂
@sank241085
@sank241085 25 дней назад
Deposits pe 3%. kaunsa bank deta hu itna kaam
@TGill22
@TGill22 22 дня назад
I remember you made a video saying, people in India just keep putting money in saving accounts not going for mutual funds or stocks. Now when people have gone to that route now you say it is a problem. This is what India is we promote one thing like it is the world’s biggest thing then we backtrack “oh it is bad”
@lalaland2022
@lalaland2022 5 дней назад
😢😢😢😢
@tracking2.0
@tracking2.0 26 дней назад
Mai khud nhi jama karta paise ... Hai hi nhi paise😢
@Brajesh_Exa
@Brajesh_Exa 25 дней назад
Mera bhi😢
@NatureSaySomething.God_On_Mute
@NatureSaySomething.God_On_Mute 25 дней назад
Sahi
@user-nv7mc8mr2k
@user-nv7mc8mr2k 26 дней назад
I know about dividends, options, RSU and I'm aware of the volatility of the traditional stock market. So, i invested in real estate.
@ankushdhawale4628
@ankushdhawale4628 24 дня назад
What is RSU?
@user-nv7mc8mr2k
@user-nv7mc8mr2k 24 дня назад
@@ankushdhawale4628 Restricted Stock Unit. It's kinda of ESOP, given to the employees of companies.
@teron5084
@teron5084 25 дней назад
Sach toh Public ke paas paisa hi nahi hai.. deposit karna toh dur ki baat hai..daily khana khane ke liye bhi logo ko soshna par raha hai..😢
@KizashiClaymore
@KizashiClaymore 26 дней назад
Young generations have become smart🔥👍
@rishabhsingh7018
@rishabhsingh7018 26 дней назад
Log stock market mein to invest Kar Hi rahe hain Plus Ek yah bhi problem hai ki thoda sa deposit yadi kisi ke khate Mein a Jaaye to use per Itni enquiry hoti hai ki vah Agali bar Se usmein dalna Hi band kar deta hai thoda sa meaning means in thousands only
@AbChauhan
@AbChauhan 26 дней назад
For me cash handling charges is most painful. If I would deposit 51000 in a bank I have to pay cash handling charges of 65approx. So I stopped depositing cash which I collects from my income sources. I only deposits leftover which I failed up to get in account by Transfers.
@vodka_triceps
@vodka_triceps 26 дней назад
good to see people starting to realize money in the banks are not profitable..
@ankurbk
@ankurbk 8 дней назад
This is because the interest rates are artificially kept lower. This inflates asset prices and people move away from Fixed Income towards speculative assets.
@rational_indian
@rational_indian 15 дней назад
That's why government pushing new tax regime 😅
@nitishkeshri1949
@nitishkeshri1949 26 дней назад
Log jamin kharid kar rakh rhe hai bhaiya 2-4 saal me double 😂😂 ,also invest in stock market
@ajeetsinghsolanki9542
@ajeetsinghsolanki9542 26 дней назад
Increase saving interest
@nagarajbarakam9862
@nagarajbarakam9862 25 дней назад
If I deposit 10 laks for one year Income Taax will be deducted from Interest. So the actual interest income is 7 minus 30% of 7 = 4.9 percent of interest only. If invested in stocks for long time it will be appreciated without tax unless I sold. So the investments are going into stock market and that's WHT stocks bull run. Dividends also received which are tax free. If you deduct Inflation from interest your interest income is only minus 0.5% PA. Real estate invest ment profit also no tax payable if invested in house construction. Why should any one can invest in Bank deposits.
@surajbhatt3207
@surajbhatt3207 26 дней назад
Sir also you can summarize in every topic like these which is beneficial and why ... in long run is it good or just short term hype.. And your thoughts also what would you do.
@AshishGautam1996
@AshishGautam1996 26 дней назад
Log ab market me paisa daal rahein hain
@lay-z7959
@lay-z7959 26 дней назад
Paisa hoga tab to deposit karenge.... This deposit crunch crisis is just one of many issues arising due to unemployment...
@Meenar2507
@Meenar2507 25 дней назад
Lot's of Gratitude Sir❤
@sauravsingh9338
@sauravsingh9338 26 дней назад
Please make next video on impact of increasing money in mutual fund
@PAUL_WALKER_72
@PAUL_WALKER_72 26 дней назад
Airtel payment Bank give 7% interest if you deposit more than 1 lakh ..
@Not_hehe-dc3xu
@Not_hehe-dc3xu 26 дней назад
1 lakh toh Freshers ki annual salary hai 🤣
@roninr8199
@roninr8199 26 дней назад
Wasn't Airtel bank banned by rbi?
@blackbrute2504
@blackbrute2504 26 дней назад
Itna 1 day mai nikal loge market se.
@Unfollowthem
@Unfollowthem 26 дней назад
​@@roninr8199 no only Paytm Payment banks banned
@Excellence___1
@Excellence___1 26 дней назад
​@@roninr8199Paytm bank namune
@jimmyboy7504
@jimmyboy7504 26 дней назад
Log ke pas Paisa hi nahi h.. upar se tax hi tax !
@teron5084
@teron5084 25 дней назад
Exactly
@vickyAlways
@vickyAlways 25 дней назад
Tax tax tax
@akashtripathy1334
@akashtripathy1334 25 дней назад
aur paisa hai toh sab Mutual Fund and Stock main laga rehe hai
@jimmyboy7504
@jimmyboy7504 25 дней назад
@@akashtripathy1334 usmevi tax .. 🥲
@get2dude2000
@get2dude2000 25 дней назад
UPA-2 moved banks to almost bankruptcy due to planned NPA.... Covid- Impacted the financial situation unimaginable way Bank- Kept low interest rate as normal post covid which should have been revised Public - Contributed by way of NPA to Bank, now moving to share market. Ultimately Bank will suffer due to lack of funds and Public will suffer in future due to market bubble and crash....
@chittaranjankashyap904
@chittaranjankashyap904 26 дней назад
Interest rate should increase on deposit such as RD,FD and savings A/c
@googlejokes2206
@googlejokes2206 26 дней назад
Sarkari employee kam interest pe loan lete hai or garibo ko 2 ke byaj pe dete hai 😮
@rchandra7887
@rchandra7887 26 дней назад
RBI को interest rate बढ़ाना चाहिये bank FD पर 9.35% तक अगले 5 साल में interest rate लोगोंको देना चाहिये तो ही लोग सेविंग करेंगे
@dakshr4
@dakshr4 25 дней назад
Bhai kam se kam 12% karna chahiye 10 saal ke liye,
@kartikgupta3220
@kartikgupta3220 25 дней назад
8.75% पर HL मिल जाता है, and saving पर 9% का intrest चाहिए
@vickyAlways
@vickyAlways 25 дней назад
N sabse important us pr tax nhi lgna chahoye
@SiddM
@SiddM 25 дней назад
FD per interest rate currently 6.5%- 8.25% h. Which is already high acc to them.
@aajtaklive8893
@aajtaklive8893 24 дня назад
इंटरेस्ट बढाणा RBI के हाथ होता हैं? क्या
@Krcchiku
@Krcchiku 25 дней назад
Option B . RBI
@uraa7509
@uraa7509 26 дней назад
RBI should raise the interest rate a bit more inorder to make this stable, people taking more loan means the money supply is very high among the banks , so RBI needs to raise interest rates on deposit in order to avoid the disaster
@minaladiti8764
@minaladiti8764 26 дней назад
Jab logon ke paas jobs nai hongi toh paise bhi nai honge, paise nai honge toh deposit krne ke bajaye woh paise haath mei rakhna prefer karenge
@PawanKumar-sj3br
@PawanKumar-sj3br 26 дней назад
SBI workers (many) still not behave well with their costumes, and most people do not have savings in India because of jobless or less salary.
@vihar2004
@vihar2004 25 дней назад
One question: Money invested in stock market direct or mutual fund route . It lies in banking system after all. does not? Until someone cash it out and put it at home ?
@arjundeka9938
@arjundeka9938 25 дней назад
Sahi hein sahi hein sahi hein❤
@alverzenongkhlaw5688
@alverzenongkhlaw5688 26 дней назад
Banks will have to start borrowing from private banks very soon..
@monjyotiboro.
@monjyotiboro. 26 дней назад
?? Majority of the banks are PSUs now
@alverzenongkhlaw5688
@alverzenongkhlaw5688 25 дней назад
@@monjyotiboro. very soon - interest rate on savings like western countries
@SHIVANGTIWARI-pr6id
@SHIVANGTIWARI-pr6id 26 дней назад
Rbi paisa hi paisa 🎉
@amangupta-ig6uu
@amangupta-ig6uu 25 дней назад
banks in future would be like BSNL is today!
@V12320
@V12320 26 дней назад
Crazy tax over saving interest has forced people to move to stock market. Now government is increasing tax on stock market as well. This will force people to move from stock market towards illegal gambling and dabba market..and finally move to a different country which is already rising. All govt want is to extract more and more taxes and result is in front of you.
@divyamrathi299
@divyamrathi299 26 дней назад
Maine bhi minimum amt rakha hai and baki ka Invest kar diya .
@Fekuchand_
@Fekuchand_ 26 дней назад
Firt post से इधर आ गये क्या 🤣
@Fekuchand_
@Fekuchand_ 26 дней назад
First post
@dailyfunnymemes6939
@dailyfunnymemes6939 25 дней назад
Log pagal h.. bank is for emergency fund deposit/safe keeping money.. market is for long term goals
@sudheerk67
@sudheerk67 24 дня назад
Log pagal nahi hei.. Debt funds that invest in AAA bonds give better returns with only slightly more risk than FDs. Tax accretive on top of it.
@mohanraj-hj9wt
@mohanraj-hj9wt 22 часа назад
During my job in a PSU bank, there was tremendous pressure to canvass for mutual funds and insurance schemes. Initial setback was for the deposits, especially low cost ones. We, as employees warned the higher ups that we were selling the eyes to buy painting. For flimsy commission, banks bartered deposits. Now they are suffering.
@Gyanipapa
@Gyanipapa 23 дня назад
In my opinion Bank Should reduce Internet on deposits and fixed deposit to 1 to 2 % and accordingly reduce the Internet charged on loan
@bhuvneshmeena6231
@bhuvneshmeena6231 26 дней назад
3% में दस्त लग गए बैंको के सोचो 10% भारत की आबादी का स्टॉक में लाया दिया तो खेला हो जायेगा😅
@Trailerdx
@Trailerdx 25 дней назад
It is perfect time save your money in bank because stock market and mutual fund become bubble Mark my words most of the people going to cry when this bubble burst
@user-lx1to6pl4j
@user-lx1to6pl4j 25 дней назад
Then it's good time to invest in mf through SIP, har deep cut pe purchase hoga 😂
@religionofpeace782
@religionofpeace782 25 дней назад
Yes...keep money in bank...and once the bubble bursts...take out everything from bank and invest in market and get 25% cagr for the next 5 years😅
@kumarabhishek1064
@kumarabhishek1064 26 дней назад
Its better to have fd account than savings account if that money is not going to be used for next 2 years.
@blb-nn8rq
@blb-nn8rq 24 дня назад
Inflation Low savings Plus bank are taxing on interest earned on savings account and FD. Etc
@arupsarkar3345
@arupsarkar3345 26 дней назад
Jo inflation me sath na de uha dalke kya hoga😂😂😂bail buddhi bankwalo😅
@Chef_PKJ
@Chef_PKJ 26 дней назад
Bank deposit interest rates 3_5% Inflation rate 7% Bank loan starting from 16.99% Bank earnings 50%+++ Why do the public choose deposit???
@subirkamalroy5948
@subirkamalroy5948 25 дней назад
Govt charge charge heavy taxation on FD interests. Taxes on mutual fund earnings are lesser.
@pingpong9005
@pingpong9005 6 дней назад
Àb bada diya nirmala neh
@Ritu-dl7wj
@Ritu-dl7wj 25 дней назад
Whenever you go to a bank to open an FD or RD, there staff will themselves suggest you to not open FD or RD but get term insuramce, invest in guaranteed income assets etc... because they have huge commission on that. Many a times I had to step out of the banks to avoid long discussion with them just to open FD or RD......
@GovindDandotiya-zf5cv
@GovindDandotiya-zf5cv 26 дней назад
Bank wale khud mutual fund me jama karne ki bolte hain 😂😂😂
@darshan7806
@darshan7806 25 дней назад
Ha ye bhi hai
@impossibletopossible123
@impossibletopossible123 24 дня назад
😁😂bhai upar se targets aate h hum kya kre
@HarshKeshari-ul4eh
@HarshKeshari-ul4eh 26 дней назад
3% saving account 7% Rd/fd account 🤮 Mutual fund 20-30% Stocks 5-50% Loan app 12%-14% SMF FD 8%-9% Gold 10%-25% Why one will deposit in bank ?
@Fekuchand_
@Fekuchand_ 26 дней назад
Loan app मतलब
@deepeshgoyal575
@deepeshgoyal575 26 дней назад
Inflation is more than interest of saving account
@ViralSourav7
@ViralSourav7 26 дней назад
2.7 %
@HarshKeshari-ul4eh
@HarshKeshari-ul4eh 26 дней назад
@@deepeshgoyal575 Sahi bat Saving account me utna rakhna chahiye jitna me 3 mahine ka kharch aa jaye baki Paise ka 20-25% aise jagah rakhna chahiye jaha se same day ya ek se do din me withdrawal kar sake aur accha interest mile. Aur baki paisa me liye bond, stock,mutual fund, real estate, gold ye sab to hai hi But sarkar paisa hmare pas rhne de tab to🤣🤣
@scenecorner9940
@scenecorner9940 26 дней назад
​@@HarshKeshari-ul4ehcapital revolve karte raho.
@VipinKumar2626
@VipinKumar2626 7 дней назад
बैंक में पैसे रखने की बजाय उसी बैंक का share खरीद लो😂😂
@job.specialist
@job.specialist 20 дней назад
Thanks.
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