CNBC-TV18 Explains: Why Are Banks Facing A Deposit Crunch? | N18V | CNBC TV18

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Why are banks falling short of deposits. @latha_venkatesh explains the link between loans, deposits, mutual funds, cash withdrawals & taxes.
#taxes #banks #bankdeposit #depositcrunch #loans #funds#cnbctv18digital
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Опубликовано:

11 сен 2024

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Комментарии : 88

@anandas3733 19 дней назад

It is government who is directly responsible for this situation. FD interest is kept😊 very low and after paying tax it's actual value is going to negitive if we consider inflation. Peoples are not fools as considered by government.

@SunilKumar-nm5md 15 часов назад

👍👏

@truthislogical 12 часов назад

If people are not fools, then how come all those incompetent be in power?

@zeemotech 14 дней назад

If you want deposit then remove tds on deposit.

@sreedhard4234 5 дней назад

Taxes for deposit is a crime. They are taking taxes on salary (TDS) then when we save it and earn interest then again for interest.

@dpvprasad1384 19 дней назад

The interest rates offered by Banks in contrast to inflation is the worst phenomenon in India.

@LiLi-ij9ni 20 дней назад

When Banks start selling insurance, mutual funds by breaking Fixed Deposits of customers due to pressure of management such situations will arise andbif not checked condition will become worse. So stop beating around the bush and see through the real cause.

@smalltrader1097 16 дней назад

It is because with time people's brain also evolve, people now have come to conclusion that keeping money in bank is loss as bank gives 7% interest while practical inflation is around 10%. So why keep it in bank and burn money, that too with little security of upto only 5 lakhs.

@padmakardeshpande2739 4 дня назад

But ultimately money goes to some banks. I think huge money is sent in foreign countries.

@vicky2rap 14 дней назад

Digital India with high inflation with low FD rates with tax exploitation is back firing now 😂

@sivaramaJP 13 дней назад

Charge more on interest free loan to Ambani,adani etc

@sandeerao86 День назад

Another super educated spotted who does not know how economics works

@sivaramaJP День назад

@@sandeerao86 😂🤣 yes only Gujarati and marwadi knows.

@deepakgeorge5871 20 дней назад

Nirmalaji.. How about adding another tax.. Income tax.. GST.. Loan tax and Loan cess..

@Rv2023CeO 12 дней назад

Well banks didn’t say how much bad debt has been written off in last 10 years😢

@laljidhillon5638 20 дней назад

Earlier people would deposit their savings in FD’s but when rates went down they changed to investing in equities and now that even that being 0:03 0:03 taxed LTCG where else to go

@patrica7 20 дней назад

What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.

@MrsStephanie5 20 дней назад

There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by an investment specialist

@Keneth94 20 дней назад

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in trending stocks, which is pretty simple. On my portfolio, which has grown over $900k in a little over a year, my adviser chooses entry and exit orders

@Michael25ycl 20 дней назад

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@Keneth94 20 дней назад

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@Michael25ycl 20 дней назад

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

@CAPARTH89 15 дней назад

Ask fm to reduce tax on fd. Also ask bank to give higher fd rates. Such are simple solutions but its shame bureaucrats and banks dont understand dont understand Or it seems they dont want to understand

@evm6177 12 дней назад

"Shall we loot all your deposits full and fill my secret treasury in Mauritius, London and Swiss bank ? or loot a little and leave some peanuts for you loosers of this poor nation.." - The greedy minds of the Ruling class / Powerful bureaucrats since Independence.. Vote them in and enjoy! 😒

@pradeepsoni1343 16 дней назад

Fiance minister responsible due to tax regime supporting new tax regime where saving not given first preference

@ravisampath411 20 дней назад

Banking is accepting deposit for the purpose lending, unless fresh deposit comes in the they cannot lend. AMl is very important because any mismatch will affect. Your explanation the loan money adds to deposit is not the correct view point. And deposit are tool fixing loan rates

@macho20222 19 дней назад

In Short FD are easy money for banks to make more money

@srinivasbengalurumysuru 14 дней назад

All do mutual funds, buy shares, buy lands

@tkdhanesh01 20 дней назад

Now it's clear why the mutual Funds have been asked to stop investing in foreign equities.

@evm6177 12 дней назад

Every nation is basically a business who is fearful of their competitors..

@angelboy2901 12 дней назад

Very good explainer. I hv added my exposure to banks again after seeing this video.❤👌

@arunkottolli 4 дня назад

Remove income tax on FD interest - as long as the money invested in FD is post tax money

@duraisamya3068 20 дней назад

Very useful information

@balajikannan7393 3 дня назад

Yeah, ask banks to stop selling ULIPs, MFs and Insurance to meet their target of conning gullible customers. Increase interest rates on FDs, tighten the loan eligibility so that not every Tom, Dick and Harry gets it. Simple.

@Poorani-o6q 5 дней назад

In india we not only give tax to income Also to savings But salary will not increase price jumps Fd is waste for future

@kvnarayanan2520 4 дня назад

Giving 5 % interest and taking back 30% by tax is wonderful, Nett interest is 3.5% We have to protect it from calls from “ istate banku manager”

@ArjunRajaS 14 дней назад

Key point for everyone to note. "They create money"

@keerthi3086 8 дней назад

So?

@ArjunRajaS 8 дней назад

Some people know.... Many people don't realise the fact that when they create money, the value of money you hold loses value.

@keerthi3086 8 дней назад

@@ArjunRajaS Not always, but yes that is how inflation is born. If the supply of goods and services grow proportionate to the supply of money (demand), then there's no inflation, as the new money is absorbed into economy without bidding up existing goods or services.

@aravinda6512 19 дней назад

Beautifully explained. Thank you

@rajx7120 19 дней назад

Why can't banks borrow from RBI, and create deposits? And repay them, when they recover their own loans ?

@shivjayvolvloikar 14 дней назад

Will create inflation...

@evm6177 12 дней назад

Lol only theives like US and UK can do such 'unethical' tricks..

@rahulkarukonda8860 5 дней назад

Why u want deposits? Govt wants money circulation or rotation..when u have low interest rates why u have deposit ? If deposited in bank, the bank is charging customers as maintenance charges with gst...now who keeps deposits ?

@Rammahavirramjai 20 дней назад

Very good exploration…good one anchor…keep it up

@dtvind 20 дней назад

Give a competitive financial minister who did not come in EWS quota

@evm6177 12 дней назад

That will be the 11th wonder of the world.. Name one such finance minister since Independence?? 😒

@shanmugampn4571 19 дней назад

Culprit is clerk/cashier at the counter. He is indifferent unfriendly and sometimes arrogant.

@evm6177 12 дней назад

🤣👍👍😎 Honest reality..

@SunilKumar-nm5md 15 часов назад

Well said 👍

@psdavidpaul9508 19 дней назад

Wonderfully explained

@book--worm 19 дней назад

bjp must go for sometime

@shivjayvolvloikar 14 дней назад

Please read some books my idiot... ☺

@evm6177 12 дней назад

And what? Go back to 2008 - 2009 Congress 2G spectrum multi crore scam?? 😒

@narasimhaprabhu8487 2 дня назад

If govt gives more money in terms of tax break or banks give 10% then people will keep deposit in bank. 7.25% and if govt taxes it 30% depositors gets 5% you can't fool everyone 😂

@bhagya528 5 дней назад

Why don't govt reduce tax on FD and Equity

@Palletipuli День назад

Atleast did u understand what u said 😅

@wheelsoncrisis 7 дней назад

Keep asking for tax on deposits, keep giving shit interest rates and I hope no one does deposit in bank in future

@Ashsws 20 дней назад

How about the increase in the Black money due to Euphoria in real estate as well. Did anyone came out of fallacies that DeMon reduced black money. The black money has increased in circulation

@pankajverma9768 18 дней назад

with RBI creating 2 lakh crore of new money by giving huge dividend and large bonds purchase by FII the deposit should be higher. The math need to be seen by RBI further not raising deposit rates people are not interested in deposit at low rates

@jeyakumar6225 День назад

The main reason is inflation and government has to increase the repo rate but government is scared to accept economic recession and not increase the repo rate.if government has to guts to increase repo rate ,there will be increase in deposit

@Ananya-sx8wv 3 дня назад

There shoud not be TDS on FD interest.

@Masiba7517 20 дней назад

Making money out of thin air

@raghavendranvasudevarao360 4 дня назад

NPA is on the increase Every year so many lakhs of crores in rupees is waived by Lok Adaalat Also interest is very low Loans should be given after verifying credentials While granting loans favouritism is there Politicians role is there

@JeevarathinamNallusamy День назад

Cut tax in fd interest and add separate section for 50k fd alone on it or increase 80 c. 😅😅😅

@bhadanisandip 4 дня назад

It is simple fd is one of the worst investment after tax. Just give some tax benifit for some lock in period.

@ramrobertrahim8722 День назад

No worries. Adaniji and Ambaniji will bring more money.

@Jaihindbharat007 2 дня назад

Banks money has stuck ...into builder finance ..people have found out other sources of investment...good bye banks

@manujohn99 5 дней назад

Only RBI creates money, not all banks🤦

@nageshwarrao1541 11 дней назад

This happened because RBI reduced REPO rate to 4% or 4.50% couple of years back, by misinterpreting or manipulating Inflation rate n other info. Now banks n people are paying price for it.