Fixed Deposit kya hota hai?
Fixed Deposit
Definition
Fixed deposit bank mein ek qisam ka account hai jismein aap ek muqarrara arsey ke liye paise jama kar dete hain aur us par fixed Profit Rate milta hai.
Is concept ko aur behtar samajhne ke liye PLS Account bhi dekhein.
Fixed deposit aik low-risk investment hai jismein aap apne paise ko fixed time ke liye band kar dete hain aur us par guarantee profit milta hai.
Quick Facts
- Category
- Banking
- Best for
- Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain.
- Example
- Available
- FAQs
- 5 answers
Quick Summary
| Definition | Fixed deposit bank mein ek qisam ka account hai jismein aap ek muqarrara arsey ke liye paise jama kar dete hain aur us par fixed profit rate milta hai. |
|---|---|
| How it helps | Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain. |
| Example | Agar aap 1 lakh ka 1 year ka fixed deposit 18% par karwate hain, toh saal baad aapko 1.18 lakh milenge. |
| Related terms | 6 linked topics |
How It Works
Yeh kya hai?
Fixed deposit (FD) aik term deposit hai jismein aap ek muqarrara arsey ke liye bank mein paise jama karte hain. Ye arsa 1 month se 5 years tak ho sakta hai. Is par bank fixed Profit Rate deta hai jo Savings Account se zyada hota hai. Agar aap time se pehle paise nikaalte hain toh penalty lagti hai.
Rozmarra Asar
Fixed deposit un logon ke liye acha hai jo short term mein paise nahi nikaalna chahte aur guaranteed profit chahte hain. Retired log, students ya koi bhi jo market risk nahi lena chahta, fixed deposit mein paise laga sakta hai. Islamic banking mein bhi fixed deposit ki sukul available hain.
Misal
Agar aap 1 lakh ka 1 year ka fixed deposit 18% par karwate hain, toh saal baad aapko 1.18 lakh milenge.
Aksar pooche gaye sawalat
Fixed deposit kya hota hai?
Fixed deposit (term deposit) mein aap paisa ek fixed period ke liye bank me lock karte hain aur us par fixed rate milta hai.
Fixed deposit ka tenure kya hota hai?
Fixed deposit ka tenure bank aur product ke hisaab se hota hai, jaise 1 month, 6 months ya 1 year.
Fixed deposit ka rate kis par depend karta hai?
Rate usually amount aur tenure par depend karta hai. Zyada amount ya lamba tenure aksar higher rate deta hai.
Fixed deposit before maturity todna ho to kya hota hai?
Early withdrawal par aksar penalty ya lower rate apply hota hai, is liye maturity tak hold karna behtar hota hai.
Fixed deposit kis type ke logon ke liye behtar hai?
Jo log low-risk aur predictable return chahte hain un ke liye fixed deposit suitable hota hai.
Difference
Fixed Deposit vs PLS Account
1) Guaranteed profit - rate fixed hota hai. 2) Low risk - principal safe. 3) Savings se zyada profit. 4) Loan le sakte hain fixed deposit par. 5) Tax filer hain toh profit par tax kam kata hai. 6) Different tenors ka option. Loss: liquidity issue, inflation se profit kam ho sakta hai.
| Feature | Fixed Deposit | PLS Account |
|---|---|---|
| Definition | Fixed deposit bank mein ek qisam ka account hai jismein aap ek muqarrara arsey ke liye paise jama kar dete hai... | PLS (Profit and Loss Sharing) account wo bank account hai jismein aapko market-based profit milta hai aur isme... |
| Best for | Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain. | PLS account mein aapki savings par profit rate time ke sath change hota rahta hai, isliye... |
| Example | Agar aap 1 lakh ka 1 year ka fixed deposit 18% par karwate hain, toh saal baad aapko 1.18... | Farz karein Karachi mein Ali ki salary Rs 85,000 hai aur woh PLS Account use karke apna re... |
Related Tool
Is term ko practical use mein dekhne ke liye sab se relevant tool se start karein.
Related Banking Terms
Yeh page banking cluster ka hissa hai. Semantic context mazboot rakhne ke liye in linked terms ko bhi dekhein.
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