म्युचुअल फंड (Mutual Fund) सिर्फ शेयर बाजार में ही निवेश का मौका नहीं देता है बल्कि कई अन्य तरह के भी निवेश के मौके देता है। म्युचुअल फंड (Mutual Fund) की एक कैटागरी होती है डेट म्युचुअल फंड (Debt Mutual Fund) की। इस कैटेगरी में निवेश किया गया पैसा सरकारी और निजी कंपनियों के बांड में निवेश किया जाता है। इस कारण यहां पर करीब करीब बैंक की तरह ही निवेश की सुरक्षा मिलती है। इसके अलावा म्युचुअल फंड (Mutual Fund) इनकम टैक्स बचाने का भी मौका देते हैं। हालांकि लोगों को लगता है कि म्युचुअल फंड (Mutual Fund) केवल शेयर बाजार में ही पैसा लगाते हैं जो समय के साथ ऊपर या नीचे जाता रहता है। लेकिन यहां पर अगर कोई हर माह निवेश का विकल्प यानी सिप (SIP) माध्यम से निवेश करता है तो उसे अच्छा रिटर्न मिलता है। इस प्रकार कहा जा सकता है कि म्युचुअल फंड (Mutual Fund) निवेश का स्मार्ट जरिया हैं, जिसका फायदा लोग अपनी रिस्क लेने की क्षमता के अनुसार उठा सकते हैं। यही नहीं म्युचुअल फंड (Mutual Fund) में 500 रुपये महीने जैसे अकाउंट से भी निवेश की शुरुआत की जा सकती है।
Wednesday, August 18, 2021
Thursday, June 24, 2021
बैंक अकाउंट में एक रुपया भी ना हो क्या फिर भी क्रेडिटकार्ड से शाॅपिग कर सकते है?
Credit Card: हर क्रेडिट कार्ड की एक लिमिट होती है. हम महीने उतनी राशि आप खर्च कर सकते हैं. पेमेंट डेट पर खर्च की गई राशि चुकाने पर आपको कोई एक्सट्रा चार्ज या ब्याज नहीं देना पड़ता है.
अक्सर ऐसा होता है जब हम Credit card से जरूरत से ज्यादा खर्च कर देते हैं और Credit card statement देखकर होश उड़ जाते हैं. हालात तब और खराब हो जाते हैं, जब हमारे बैंक अकाउंट (Bank account) में पेमेंट के लिए पर्याप्त बैलेंस नहीं होता. ऐसे में पेमेंट को अपने महीने के लिए टालने में समझदारी नहीं है. आइए जानते हैं ऐसे में क्या करें.
Credit card पेमेंट को टाला तो क्या होगा?
अगर आपने क्रेडिट कार्ड का पेमेंट नहीं किया और उसे अगले महीने के लिए टाल दिया, तो इसके दो नुकसान हैं-
1) अगले महीने आपको पूरा पेमेंट करना होगा, साथ ही ब्याज और पेनाल्टी भी चुकानी होगी.
2) पूरा पैसा देने के वाबजूद आपका क्रेडिट स्कोर खराब हो सकता है. ये भी हो सकता है कि अगले महीने बिल अमाउंट और बढ़ जाए और आप फिर पेमेंट न कर पाएं.
मिनिमम ड्यू पेमेंट जरूर कीजिए
आप अपने क्रेडिट कार्ड बिल को गौर से देखिए तो पाएंगे कि टोटल आउटस्टैंडिंग बिल के साथ ही मिमिनन ड्यू अमाउंट (Minimum due amount) भी लिखा होता है. अगर आप मिनिमम पेमेंट कर देंगे, तो बाकी राशि पर अगले महीने ब्याज तो देना होगा, लेकिन कोई पेनाल्टी नहीं लगेगी. साथ ही आपकी क्रेडिट हिस्ट्री खराब नहीं होगी. इसलिए क्रेडिट कार्ड का बिल ज्यादा आ गया है, तो मिनिमम पेमेंट करके अगले महीने खर्च पर लगाम लगाकर आप पूरा पेमेंट कर सकते हैं.
Credit card लिमिट से अधिक खर्च किया तो क्या होगा?
हर क्रेडिट कार्ड की एक लिमिट होती है. हम महीने उतनी राशि आप खर्च कर सकते हैं. पेमेंट डेट पर खर्च की गई राशि चुकाने पर आपको कोई एक्सट्रा चार्ज या ब्याज नहीं देना पड़ता है. हालांकि, अगर आपने क्रेडिट कार्ड लिमिट से ज्यादा खर्च किया तो आपको चार्ज देना होगा. ये चार्ज करीब 600 से 1000 रुपए तक हो सकता है. इसलिए बेहतर होगा कि आप अपनी क्रेडिट लिमिट का ध्यान रखें, और उससे अधिक खर्च न करें. आप क्रेडिट कार्ड कंपनी से संपर्क करके अपनी क्रेडिट लिमिट बढ़वा सकते हैं.
How to add second time a verified credit card on cred?
How To Make Credit Card Payments on CRED
You can pay your credit card bills through netbanking, debit card and UPI. Follow the steps below to pay your bills on CRED:
- Log in to your CRED account through the app. Under the ‘Cards’ tab, choose the card/cards whose bill you wish to pay.
- The bill amount as well as minimum due etc. will be displayed on-screen. Click on ‘Pay Now’ and enter the amount you wish to pay.
- Choose the method of bill payment:
- If you’re paying through UPI, you will have to link your UPI address and verify the same before making your payment.
- If you’re paying through debit card, add the card details. After CRED has verified your card, you can authorise the payment.
- If you’re paying through netbanking, select your bank from the list. You will be redirected to your bank’s netbanking page to complete the transaction.
- After a successful transaction, you will receive a transaction ID for your reference. The app will also reflect the amount paid.
- Depending on the bank/method of payment, it could take up to 2 working days for the payment to be realised by your bank
Monday, April 26, 2021
National Pension System Details - नेशनल पेंशन स्कीम (NPS)
The National Pension System i.e. NPS is a government retirement saving scheme, which was launched by the central government on 1 January 2004. This scheme is mandatory for all government employees joining after this date. Since 2009, the scheme has also been opened to people working in the private sector.
Even after retirement, you continue to have regular income, for this, retirement planning is very important. You can secure your future from today by investing in different places. National Pension Scheme (NPS) is also a good investment option in terms of retirement planning. As of May 2019, more than 55 lakh people have invested in the government-run scheme. The age of joining this scheme is between 18 and 60 years.
Highlights:
- All public and private banks have Point of Presence (POP) for NPS.
- Under NPS, you can get a maximum tax exemption of Rs 2 lakh in a year
- After 60 years of age, 60% of the money deposited in NPS can be taken as cash
What is National Pension Scheme ?
The National Pension Scheme (NPS) was introduced in January 2004 for government employees. It was opened to all categories of people in 2009. Any person can contribute regularly to the pension account during his working life. He can also withdraw a portion of the money collected at one time and use the remaining amount to get regular income after retirement. The NPS account increases with a person's investment and the returns he receives.
Four sectors in the open is the account
Central Staff : It is opened by the Central Government to the Central employees. In this, 14% of the salary (basic) is deposited in the NPS account.
State Government Employees : The State Government opens this account for its employees. In this also 10% of salary (basic) is deposited in NPS account.
Corporate Sector : This is opened by private companies to their employees. In this, companies deposit 10% of the employee's salary (basic) into the NPS account. Apart from this, if the employee wants, he can also deposit some or all of the salary in the NPS account.
All citizens model : Businessmen, livelihood people etc. come in it. People coming to this sector have to open an NPS account online or by going to the bank. They can deposit any amount in it.
Types of NPS accounts :
There are two types of accounts in NPS : Tier 1 and Tier 2
- Funds cannot be withdrawn from Tier 1 till the age of 60 years.
- Tier II NPS account works like a savings account, from where the customer can withdraw money according to his need.
Fund manager
These are the ones that invest your deposit in a better way so that you can get maximum returns. You have to select it only while opening an NPS account. There are 8 fund managers recognized by the government. They are appointed by the Pension Fund Regulatory and Development Authority (PFRDA). These are:
1. HDFC Pension Management Company Limited
2. Reliance Capital Pension Fund Limited
3. UTI Retirement Pension Fund Limited
4. Kotak Mahindra Pension Fund Limited
5. LIC Pension Fund Limited
6. SBI Pension Funds Private Limited
7.ICICI Prudential Pension Funds Management Company Limited
8. Birla Sunlife Pension Management Limited
Fund manager 's choice as to
It is due to the fund manager that your money increases and later you get good returns. In such a situation, it is important that you choose a better fund manager. Keep funds in mind when choosing a manager:
Return View : select the fund manager who has so far made good returns. You can get complete information from npstrust.org.in/return-of-nps-scheme.
Change can have fund managers
Returns are received on the amount deposited in the NPS account. This return is not fixed and depends on which scheme your fund manager is investing your money in. Its information is constantly given to you. If your fund manager is not getting good returns, then you can also change it once a year.
Annuity - Annuity
After the completion of NPS, you have to pay at least 40% of the amount that is deposited with you to the insurance company. The insurance company starts your pension with this money. If you want, you can also give the entire amount deposited in the NPS to the insurance company and start a pension on the basis of that. The annuity is the amount given to the insurance company for the pension. For annuity pension you have to choose one of these five companies:
- HDFC Standard Life Insurance Company Limited
2. Star Union Daichi Life Insurance Company Limited
3. Life Insurance Corporation Of India Limited
4. ICICI Prudential Life Insurance Company Limited
5. SBI Life Insurance Company Limited
NPS to receive the benefit
- The government has increased the exemption limit for payment on final withdrawal from NPS from 40 per cent to 60 per cent.
- The finance minister has decided to separate the NPS Trust from the Pension Fund Regulatory and Development Authority (PFRDA).
- The government has also proposed to increase the contribution limit in the accounts of its employees from 10 to 14 percent.
- As per the existing provisions, any NPS customer can claim deduction up to 10% of gross income under section 80CCD (1) of the Income Tax Act in the total limit of Rs. This limit is 5 lakhs under section 80CCE.
- Under section 80CCE, customers can claim additional deduction up to Rs 50 thousand.
- The amount invested in the purchase of annuity is also completely exempt from tax.
In NPS, 60 percent of the amount can be withdrawn on completion of maturity, while 40 percent of the amount has to be taken as annuity (pension).
For example, if you are 30 years old and you add 5000 rupees every month till the age of 60 years in the NPS and assume the annual return of 10 percent is given, then the maturity corpus will be Rs 1.14 crore. Out of this amount, the investor has the right to withdraw only 60 per cent, that is, the NPS account holder can withdraw only 68.37 lakh rupees.
How to open an NPS account
Offline process
- To open an NPS account offline or manually, one must first search for the PoP-Point of Presence (may also be a bank).
- Take a Subscriber form from your nearest PoP and submit it with KYC papers.
- Once you make the initial investment (Rs 500 or Rs 250 monthly or not less than Rs 1,000), PoP will send you a PRAN - Permanent Retirement Account Number.
- With the help of this number and password, you can run your account.
- For this process, one-time registration fee of 125 will have to be paid.
Online process
- If you connect your account with your PAN, Aadhaar / or mobile number, then it is easy to open an account online. You can validate the registration using the OTP sent on your mobile. After this you will get a PRAN (Permanent Retirement Account Number) with the help of which you can login to NPS.
If any reason you NPS account between the well off to want to do it a few conditions are :
Cannot close account before 10 years.
- Only 20% can be withdrawn in a lump sum.
- The remaining 80% of the annuity will have to be purchased. With this, pension will be given every month after the age of 60 years.
On the death of 60 years or before retirement, the nominee is paid the full pension.
- If your deposits are less than 2 lakh rupees then you will not need to take an annuity and the entire money will be received in one lump sum.
You will also get complete information from the app
- NPS account holders can also keep complete information about their account through the app.
- You can download an app called NSDL from the Play Store.
Sunday, April 25, 2021
Sukanya Samriddhi Yojana
Sukanya Samriddhi Yojana ( Sukanya Samriddhi Yojana ) is a unique gift of the first term of the Prime Minister of India, Shri Narendra Modi, the scheme is an important part of the Beti Bachao Beti Padhao campaign. The main objective of this scheme of the Central Government is to invest in the name of the girl child and to provide good returns from it, in easy terms the scheme provides a good interest rate and benefits of saving in tax.

Parents - father is a good opportunity to accumulate a fund for his daughter's future Sukanya Prosperity Plan ( Sukanya Samriddhi Scheme ) K This accumulated capital can be used at the time of the daughter's education and marriage.
In today's time, this is the best plan relating to the future of the daughter, it should be availed by all the parents and guardians who have daughters in their homes. An investment of ₹ 250 minimum annually is not very difficult in today's time and the scheme offers higher interest than other options of traditional investment.
Sukanya Samriddhi Scheme Introduction - About Sukanya Samriddhi Account
On 22 January 2015, the Central Government launched an ambitious and public welfare scheme like Sukanya Samriddhi Account under Beti Bachao Beti Padhao Mission from Panipat in Haryana. At that time it was speculated that due to the imbalance of sex ratio in Haryana, this scheme is being launched from Panipat to spread awareness among the people.
Today, under this scheme, the highest interest is accrued in terms of small savings, more than traditional investment schemes like PPF and FD. Also, it is also convenient that when you withdraw money at the time of your daughter's education or marriage, then there will be no tax on it.
In the current (the financial year 2020-2021) interest under this scheme is given at the rate of 7.6% per annum. Sukanya Yojana accounts can be opened in Indian Post Offices and Private and Public Banks.
Let us know what are the rules and rules of the Sukanya Samriddhi Scheme and the questions and answers related to it at the end of the article.

Rules of Sukanya Scheme - SSY Account Eligibility
- This account can be opened by parents/guardians in the girl child
- The age of the girl child should be 0 - 10 years at the time of opening the account
- Though the account will be in the name of the girl child her parents/guardians will operate her
- The birth certificate of the girl child is the necessary document to open the account
- Minimum ₹ 250 to be deposited in a financial year and maximum ₹ 1,50,000
- There is also an annual penalty of ₹ 50 if the minimum amount is not deposited.
- Separate Sukanya Samriddhi accounts can be opened in a maximum of 2 daughters by name. If there are twins then 3 different accounts can also be opened.
- The amount deposited in this scheme is exempt under Section 80 (C) of Income Tax. Withdrawal at maturity will also be tax-free
- Money can be deposited up to 15 years after opening an account, and the time of maturity is 21 years from the date of opening the account.
- Money cannot be withdrawn, only at the time of higher education or marriage of the daughter.
- The account can be opened in the post office or government / private bank.
FY | Interest |
---|---|
14-15 | 9.1 |
15-16 | 9.2 |
16-17 | 8.6 |
17-18 | 8.4 |
18–19 | 8.1 |
19-20 | 8.5 |
20-21 | 7.6 |
Sukanya Scheme FAQ - Questions and Answers related to Sukanya Scheme
Where to open Sukanya Samriddhi Yojana account?
Contact the post office nearest to your home, or at a branch of any government or private bank.
My daughter also has life insurance and FD, can the Sukanya plan be availed even then?
Yes, there is no such restriction. If there are other investments in the name of the daughter then there is no problem. You can open a Sukanya account.
Does the government initially give some money to Sukanya's account?
No, you have to deposit money. The government only pays interest on it. Just like you get on FD or on a PPF account.
Can this account be transferred from one bank to another?
Yes, you will have to apply in your current bank or post office and the account will be easily transferred.
How to deposit money in Sukanya's account?
You can deposit money by cash, check, draft, or online internet banking.
What is the minimum amount to be deposited in a year?
A minimum of ₹ 250 has to be deposited in a financial year. Failure to do so will result in a fine of ₹ 50.
What documents are required for the Sukanya account?
1. Sukanya Samriddhi Yojana Form (will be received from Post Office or Bank)
2. Birth certificate of the girl child
3. Identity proof of parents/guardian (PAN card, Aadhaar card, passport, etc.)
4. Address proof of parent/guardian (Driving license, passport, ration card, etc.)
You can ask your questions related to Sukanya Samriddhi Yojana by writing in the comments below, also share this information with your friends and relatives.