HomeХобби и стильRelated VideosMore From: Asset Yogi

Loan Against Fixed Deposit (FD) - Hindi

608 ratings | 26577 views
Loan against FD (Fixed Deposit) explained in hindi. Should you break your FD or should you take loan against your Fixed Deposit? What are the interest rates? Loan against FD is offered by Post Office and all banks - SBI, ICICI, PNB, HDFC, Kotak Bank, Axis Bank, BoB, Bank of India etc. Let's understand the complete process. Related Videos: Auto Sweep Facility Account & Flexi Fixed Deposit: https://youtu.be/HcxXwquhPUM इस वीडियो में एफडी (फिक्स्ड डिपॉज़िट) के आधार पर लोन को समझाया गया है। क्या आपको अपने एफडी को तोड़ना चाहिए या आपको अपने फिक्स्ड डिपॉजिट के आधार पर लोन लेना चाहिए? फिक्स्ड डिपॉजिट के आधार पर लोन के लिए ब्याज दरें क्या होती हैं? फिक्स्ड डिपॉजिट के आधार पर लोन डाकघर और सभी बैंकों - एसबीआई, आईसीआईसीआई, पीएनबी, एचडीएफसी, कोटक बैंक, एक्सिस बैंक, बीओबी, बैंक ऑफ इंडिया आदि द्वारा प्रदान किया जाता है। चलिए पूरी प्रक्रिया को समझते हैं। Share this Video: https://youtu.be/dfGLAqxz1ws Subscribe To Our Channel and Get More Property and Real Estate Tips: https://www.youtube.com/channel/UCsNxHPbaCWL1tKw2hxGQD6g If you want to become an Expert Real Estate investor, please visit our website https://assetyogi.com now and Subscribe to our newsletter. In this video, we have explained: How to take loan against Fixed Deposit? In which situation should you take loan against FD? In which situation should you break FD instead of taking a loan? What are the features of loan against FD? How interest rates are charged on loan against FD? What are the available repayment options for loan against fixed deposit? What is the maximum loan tenure for taking loan against FD? What is the difference between FD interest rates and loan against FD interest rates? What are the advantages and disadvantages of loan against fixed deposit? How to get the benefits of loan against FD? Which is a better option - breaking FD or loan against FD? How to do cost benefit analysis between breaking FD and loan against fixed deposit? फिक्स्ड डिपॉज़िट के आधार पर लोन कैसे लें? किस स्थिति में आपको एफडी के आधार पर लोन लेना चाहिए? किसी स्थिति में आपको ऋण लेने के बजाय एफडी को तोड़ना चाहिए? एफडी के आधार पर लोन लेने की विशेषताएं क्या हैं? एफडी के आधार पर लोन लेने पर इंटरेस्ट रेट्स कैसे लगायी जाती हैं? फिक्स्ड डिपॉज़िट के आधार पर लोन के लिए रीपेमेंट के क्या विकल्प उपलब्ध हैं? एफडी के आधार पर लोन लेने के लिए अधिकतम ऋण अवधि कितनी दी जाती है? एफडी ब्याज दरों और एफडी के आधार पर लोन की ब्याज दरों के बीच क्या अंतर होता है? फिक्स्ड डिपॉज़िट के आधार पर लोन लेने के फायदे और नुकसान क्या हैं? एफडी के आधार पर लोन से क्या लाभ होते हैं? इन में से कौन सा एक बेहतर विकल्प है - एफडी केआधार पर लोन लेना या एफडी तोड़ना? एफडी तोड़ने और फिक्स्ड डिपॉजिट के आधार पर लोन लेने के बीच कॉस्ट बेनिफिट एनालिसिस कैसे किया जाता है? Make sure to Like and Share this video. Other Great Resources AssetYogi – http://assetyogi.com/ Follow Us: Facebook – https://www.facebook.com/assetyogi Google Plus – https://plus.google.com/+assetyogi-ay Pinterest - http://pinterest.com/assetyogi/ Twitter - http://twitter.com/assetyogi Instagram - http://instagram.com/assetyogi Linkedin - http://www.linkedin.com/company/asset-yogi Hope you liked this video in Hindi on “Loan Against Fixed Deposit (FD)”.
Html code for embedding videos on your blog
Text Comments (110)
Brain Fucker (12 days ago)
1% का नुकसान उठा कर एफ डी तोड़ना हर तरह से एफ डी रेहन रख कर्ज लेने से बेहतर है। हमे कई एफ डी अलग-अलग अमाउंट की लेनी चाहिए , और अपनी जरूरत वाले अमाउंट की एफ डी ब्रेक करवानी चाहिए।
Shailendra Maheshwari (20 days ago)
super
Asset Yogi (19 days ago)
Thank you Shailendra 😊
Rajesh Singh (23 days ago)
Central bank fd hone par 6.60% per annum ka ratehai aur loan agai st fd sirf 1% extra charge karta hai bank i think loan against fd is great
Subhash Bhopi (1 month ago)
sir fd pr credit card aur lon milega kya
Abhishek Roy (1 month ago)
Awesome sir 👌🏻👍🏻
Asset Yogi (1 month ago)
Thank you 😊
faim raza (1 month ago)
Tell me ..sir g post office fd loan facility
Thanks
sitar ali (2 months ago)
Nice video sir👌👌👌
Asset Yogi (2 months ago)
Thank you 😊
aftab alam (2 months ago)
Sir loan Ka payment hum interest aur mul paisa de sakte
Sparsh Sharma (2 months ago)
Y post office se b milta h
ranjana das (2 months ago)
@assetyogi Wrong info, when we take loan against fd we have to pay interest on 2% only and you are calculated against 10%
Madhukar Walve (3 months ago)
Make videos loan against fix deposit for senior citizen or break it
Asset Yogi (2 months ago)
Sure, topic noted.
Partha Sau (3 months ago)
extremely wrong calculation... agar koi Fd ke upor loan leta he to 10‰ ka interest dena parega but usko bank 8% interest bhi dega...fd ke liye bank interest nehi bandh karega...effective interest rest against FD IS = 10%-8%=2%...OK so it is gd to take loan against FD than any another source..fd torne ke lia bank 1% jada charge karta he..
Vipul Jaiswal (3 months ago)
Hello sir could you please tell..suppose i am having fd of 10L and taking loan against fd 2 lakh then i have to pay interest 2percet more than what i am getting from bank..the bank will continue to be paying interest on 10l what i have as fd...pleaase tell..
Asset Yogi (3 months ago)
Yes
DHARMENDER SINGH (3 months ago)
Can we approach to branch for repayment...?
Bhaskar Bai (3 months ago)
Hum 36 month monthly 1000 RD deposit karta hu kya hum ko loan milega
DHARMENDER SINGH (3 months ago)
Sir how can repayment the FD loan.....
sunil virval (3 months ago)
Hello ye bataao fd pe lon Lene ke Baad fd tod sakte he ya Ni online
sunil virval (3 months ago)
Hello ye bataao fd pe lon Lene ke Baad fd tod sakte he ya Ni
Trader Life (3 months ago)
If my fd intrest is 8% like then i get loan againt fd i will pay 10% intrest That mean i pay 10%-8%=2% intrest rate i will pay loan againt fd. And said 10% intrest lain againt fd what didnt cut the fd 8% rat from fd
jagpreet sharma (3 months ago)
Not useful.
Akash Sen (4 months ago)
Can you explain 5.6% intrest loss
Danishta Khan (4 months ago)
Sir meri 85thousand Ki fd Li thi 1 year ki kuch emergency aa gai muje fd se loan liya tha Mn to Muje kitne din m bharn zaruri h
Amateur Club (4 months ago)
want to take a loan of 50k from my fd accounting to a sum of Rs 100000 for 1 year in indian bank. Will it be feasible or should i break my fd?
Rahul Kharade (4 months ago)
Most bank charges 1% more than your fd interest rates.
Rajesh Singh (23 days ago)
Ekdum right bro
Skill X -Talk (4 months ago)
Thanks a lot sir for your kind valuable information
Vinayak Satkar (4 months ago)
Post office me fd par lone
shahbaz jasidih (5 months ago)
Or agar 50000 fd karu to kitna loan mil sakta hai
shahbaz jasidih (5 months ago)
Kya fd karne k baad turant loan mil sakta hai ya kitne dino k baad loan le sakte h
niraj kumar (5 months ago)
Fd pe loan interst agar 50000 @10% hai to fd pe 40000 interest @8% v to mil raha hai 1 saal me to overall mujhe 10000 hi pay karna pada na..so loan against fd is beneficial
shivang dixit (5 months ago)
Some people first start investing recurring deposit and they open current account then after some months he/she fixed deposit in that current account then some interest keep as it is up to 6 to 9 years by method he/she get cash/credit options for short term loans
Sanaya Malhotra (5 months ago)
If u want to take loan against fixed deposit, this video can help you . अपने सेविंग्स पर लोन लेने के लिए ये वीडियो देखें: https://www.youtube.com/watch?v=O063kgy3Cg4
Rina yadav (5 months ago)
Agar maine fd ke against credit card liya hain toh kya loan milega
Vikrant Chandel (3 months ago)
Sir AGR FD 3 lakh ki ho toh loan Lena chaiye ya break krni chiye post office ki FD ki
Rina yadav (5 months ago)
Repl
Vishal More (5 months ago)
Awesome video.. sir plz make proper video only on savings and current account
Dharmrndra Basumatary (5 months ago)
Sir, R.D. pe possible hain? Total amount , 50% loan...
Madan kumar Madan kumar (5 months ago)
good
Jagroop singh (5 months ago)
Nice
MOoood ChAngER (5 months ago)
sir pls. pls. suggest me
MOoood ChAngER (5 months ago)
sir 1question pls. reply. overdraft facility me = *interest paid regularly* ka kya matlab hua ? daily interest jama karna hoga?
B Plus TAG Online (5 months ago)
सर मैं आपका हर वीडियो देखता हूं उससे मुझे कुछ ना कुछ सीखने को मिलता है फिर भी सर एक सवाल मन में उठता है मैं हैंडीकैप्ड यानीकी मैं विकलांगता दिव्यांग हो. तो सर मेरी (FD/ 500000. से ज्यादा है तो सर टैक्स से मैं किस तरह बच सकता हूं. मुझे क्या करना चाहिए...
Shamsher Singh (5 months ago)
I need 10 lack but bank suggested me don't break the 10 lack FD take money from him
Touheed Ahmed (5 months ago)
Dear I iam plan to loan against car loan actually my cibil problem I want to improve my cibil score I want car loan urgent so I plan FD against loan it's possible to take loan against car loan
MANISH PATEL (6 months ago)
Fd break karne se credit score pe koi effect hota he kya
Sahil Mehra (6 months ago)
Its very helpful
Sahil Mehra (6 months ago)
Nice videooo sirrr
GAURAV RATHORE (6 months ago)
Fd par kitne Tak tds deduction nahi hota hai
Rahul Aggarwal (6 months ago)
This video is very helpful
Asset Yogi (6 months ago)
Thank you 😊
Ketan Patil (6 months ago)
Wrong info. Wrong calculations
Rajesh Singh (23 days ago)
+Partha Sau bilkul sahi kaha bhai aapne right information 👍
Sonia Sonia (2 months ago)
Thx
Partha Sau (3 months ago)
+Asset Yogi extremely wrong calculation... agar koi Fd ke upor loan leta he to 10‰ ka interest dena parega but usko bank 8% interest bhi dega...fd ke liye bank interest nehi bandh karega...effective interest rest against FD IS = 10%-8%=2%...OK...ab bank Fd torne ke liye 1% interest lega.. so net interest rate is 2%-1%=1%.. ok..so it is gd to take loan against FD than any another source..and if u break FD many bank also take more than 1% charge..
Asset Yogi (6 months ago)
What's wrong in the calculation? Please elaborate.
Aadhira Kapur (7 months ago)
What are the benefits of loan against securities?
Asset Yogi (7 months ago)
Secured loans have an asset of some kind that the lender can liquidate in the event of non-payment, they are able to offer lower interest rates. So interest rates will be relatively lower when you apply for a loan against security.
Shyam Sundar Kumar (7 months ago)
इतनी अच्छी जानकारी के लिए सर आपको धन्यवाद सर एमोडी और ऑटो स्वीप फैसिलिटी में क्या अंतर है? कृपया इसकी जानकारी के लिए यदि कोई आपने वीडियो बनाई है तो उसका लिंक हमे देने की कृपा करें।
Shyam Sundar Kumar (7 months ago)
thanks sir
Asset Yogi (7 months ago)
धन्यवाद् 😊 मैंने अभी MOD (Multi Option Deposit) पर वीडियो नहीं बनाया है लेकिन अगर आप चाहें तो आप मेरा Auto Sweep Facility Account & Flexi Fixed Deposit (FFD) वीडियो देख सकते हैं जिसमे आपको ऑटो स्वीप फैसिलिटी अकाउंट और फ्लेक्सी फिक्स्ड डिपाजिट के बारे में जानकारी मिल जाएगी। Auto Sweep Facility Account & Flexi Fixed Deposit (FFD): https://youtu.be/HcxXwquhPUM
Dinesh Jain (7 months ago)
Sir meme dhfl se 10 lakh ka home loan Liya 20 sal ke leya mene prepement kr diya .kya Muje home insurance ka pesa vapas mileage mene bich me 6 lakh prepemnet kr diya h ab Lon band Karna chata hu. Plz reply me fast me intzar me hu
Dr. Gurdas Jattana (7 months ago)
thanks bro
Abdul Wahid (7 months ago)
Good emc
Asset Yogi (7 months ago)
Thank you 😊
Satyajit Chattopadhyay (7 months ago)
Loss in "Loan against FD" is Rs10,000/_ (Loan interest 50,000 - FD Interest 40,000) instead of Rs 50,000 (as per video) is very much less than loss in breaking FD Rs 38,000/-.
Indira Sarkar (7 months ago)
Sir what is lock in fd? ?please explain. .
Indira Sarkar (7 months ago)
Sir loan is possible against fd in India post? ?
arif Husain (6 months ago)
Yes
Gaurav Parchani (7 months ago)
sir f.d. pe car loan le sakte hai kya?
Asset Yogi (7 months ago)
Yes. You can use the amount from loan against FD for any personal use. But you can get car loan. Interest rates are similar.
Harmandeep Singh (8 months ago)
Sir future ma fd rates Raha ga ja nahi
Asset Yogi (8 months ago)
question clear nahin hai apka
YUVRAJ NITIN PANDIT (8 months ago)
i need general insurance video with full details.
A D (8 months ago)
Fantastic salute to u sir
MAC CYRUS (8 months ago)
Fd break karne pe to 1% b benefit nahi hai chahe loan amount bada ya chota hi kyu na ho. 38000 ka direct loss plus jo interest mil raha tha wo b jayega.. means year plan me 80000 ka loss plus fd breakup..so totally no benefit in all that breaking fd. As simple as that.
MAC CYRUS (8 months ago)
But loan against fd me 8%ka interest to mil hi raha jo ki fix hai. So hame 50000 ka loss nahi only 2 % ka loss hoga thats it. Agar fd jitne b years ki hai uska interest b to 8% per year ke according to milega hi.. and fd b secure hai or loan b mil gya at only 2% rate of interest loss.
Nikhil Salwe (9 months ago)
If I have taken loan against FD of amount 2L and I paid 2 L in 3-4 month. in that case how much interest amount I have to pay to bank.
chirag saxena (9 months ago)
Love your content. Very explanatory. Please make videos for small business esses, startups etc
Asset Yogi (9 months ago)
Yes Chirag. Will definitely cover topics related to startups and small businesses as well once basics of Finance are covered. Stay tuned.
chirag saxena (9 months ago)
Please suggest a channel that talks about businesses for small businessman.
Asset Yogi (9 months ago)
Not aware of an authentic channel for India that goes into details.
chirag saxena (9 months ago)
Please make videos on franchising. And other business related videos. Your channel is amazing
Asset Yogi (9 months ago)
Sure. Noting the request.
bhupendrap Desai (9 months ago)
fd ki against loan lete he to bank 2%jada leti he lekin vo 2% kishshe jadalete he apni fd ke rate she ya bank ka Jo fd karana ke recent rate shesh jada. manlo me aj fd karata hu to bank 7% se fd karti he to ajka Jo bank 7% rate he ushse 2% jada karke 9% se loan dega ya me ri purani fd Jo 9% ki he ushse 2% jada lega. please reply
Amol patil (10 months ago)
7 lacs ki fd hai or muje 5 lac ka lone chia to milega...or ..lone kaa intrest muje fd see katna he to ky ktega
Asset Yogi (10 months ago)
Apko 5 lacs ka loan mil jayega. But interest generally separately bharna hota hai. Phir bhi aap ek baar apne bank mein baat kar sakte hain.
Amol patil (10 months ago)
Loan against fd..pur lone liya to intrest fd see ktega ya ..alg se dena pdega
MAC CYRUS (8 months ago)
U must choose emi option for loan against fd. For better option. Deduction from fd interest is not benefitial.. because u will get ur fd amount with interest at maturity.
Asset Yogi (10 months ago)
Interest alag se pay karna padta hai.
Akshay Gole (10 months ago)
aap ke video bahot helpfull rahate hai. bus aap 1 acche quality ka mic kharidiye taki aapka voice smooth lage. abhi jo aap mic use kar rahe hai vo smooth nahi lagta.
Akshay Gole (10 months ago)
Asset Yogi ok
Asset Yogi (10 months ago)
Yes Akshay, I have Boya as well. Will see what combination works best.
Akshay Gole (10 months ago)
Asset Yogi .. use boya mic. every youtuber use this boya 2 hazar ke aaspas hai
Asset Yogi (10 months ago)
I have already changed my Mic. Using a Samson mic which has a very good rating. Will see if there is any other problem. Thanks for the feedback Akshay.
raj ambani (10 months ago)
good show ,keep it up
Asset Yogi (10 months ago)
Thanks Raj!
Tomar RAGHURAJ SINGH (10 months ago)
वाह ......
Asset Yogi (10 months ago)
Hope this is useful!
bharat singh mehra (10 months ago)
sir interest on Loan against FD mei se Interest on FD bhi toh minus krenge.. like 50000Rs -40000 =10000 is the effective interest.
Asset Yogi (10 months ago)
Agar aap 40,000 minus karte hain to 10,000 ka loss hai. Lekin agar aap FD break karte hain to apko kisi ko koi paisa nahin dena. Woh apka apna paisa hai. FD break karne ke example mein maine notional loss se samjhaya hai. Hope this is clear.
SANDEEP SINGH (10 months ago)
👍
Asset Yogi (10 months ago)
Thanks!
Loan against gold ?
Asset Yogi (10 months ago)
Yes. Will cover that.

Would you like to comment?

Join YouTube for a free account, or sign in if you are already a member.