Fixed Deposit kya hota hai?
Fixed Deposit
Direct answer
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.
Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain.
Quick facts
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- Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain.
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1-minute answer
Meaning
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.
Use
Fixed deposit mein paise laga kar aap be-khatar munafa kama sakte hain.
Action
Compare fees, limits, and alternatives.
At a glance
- Meaning
- 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.
- Where bank uses it
- Bank app, Account opening form, Cheque book, Statement
- Fee/risk
- Check monthly fees, minimum balance, ATM limits, and transfer charges.
- Better alternative
- You need profit, long-term savings, or lower monthly charges.
Simple explanation
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.
Pakistan example
Agar aap 1 lakh ka 1 year ka fixed deposit 18% par karwate hain, toh saal baad aapko 1.18 lakh milenge.
Fixed Deposit vs PLS Account
| Feature | Fixed Deposit | PLS Account |
|---|---|---|
| Meaning | 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... |
| Use | 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 long-term... |
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FAQs
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.