#Auto sweep facility in hdfc

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बैंक अकाउंट में इस खाते पर मिलता है FD से भी ज्यादा ब्याज, आपके पास भी मौका

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बैंक अकाउंट में इस खाते पर मिलता है FD से भी ज्यादा ब्याज, आपके पास भी मौका

मिल सकता है FD से भी ज्यादा ब्याज

रेग्युलर इन्वेस्टमेंट के अलावा भी हमारे पास कुछ ऐसा फंड होता है जिसे अमूमन एफडी में निवेश कर दिया जाता है. लेकिन, इससे स्वीप इन डिपॉजिट के जरिए भी मोटी कमाई की जा सकती है.

नई दिल्ली. रेग्युलर इन्वेस्टमेंट के बाद भी हमारे पास कुछ फंड बच जाते हैं जिससे हम मोटी कमाई कर सकते हैं. अधिकतर लोग ऐसे पैसे को फिक्स्ड डिपॉजिट (Fixed Deposits) में रखने पर भरोसा करते हैं. लेकिन इसके अलावा एक ऐसा विकल्प है, जहां हम इन पैसों से ​FD से अधिक ब्याज प्राप्त कर सकते हैं. इस रकम को हम स्वीप-इन-डिपॉजिट में जमा कराकर अधिक ब्याज प्राप्त कर सकते हैं.

ये है अलग-अलग बैंकों का नियम विभिन्न बैंकों में इस सुविधा का नाम अलग-अलग होता है. जैसे- भारतीय स्टेट बैंक (State Bank of India) में सेविंग प्लस अकाउंट की मदद से यह काम हो जाता है. इस सुविधा के मदद से SBI सेविंग अकाउंट में जरूरत से अधिक जितनी भी रकम होगी, वो ऑटोमेटिकली स्वीप-इन-डिपॉजिट में ट्रांसफर हो जाएगी. लेकिन याद रहे की यह रकम 1,000 रुपये के मल्टीपल में ही होनी चाहिए. HDFC बैंक में इस सुविधा को स्वीप-इन फिक्स��ड डिपॉजिट और ICICI बैंक में इस सुविधा को फ्लेक्सी डिपॉजिट कहा जाता है.स्वीप-इन ​सुविधा और फ्लेक्सी डिपॉजिट में एक अंतर होता है. फ्लेक्सी डिपॉजिट के मामले में बैंक अपने आप ही सरप्लस फंड को डिपॉजिट में डाल देता है. वहीं, स्वीप-इन सुविधा में आपको मैन्युअली शुरू करना होता है, जिसे आप सरप्लस फंड को ट्रांसफर करने के लिए अपने सेविंग अकाउंट से लिंक करते हैं.

यह भी पढ़ें: यस बैंक ग्राहकों के लिए बड़ी खबर! इस दिन हट सकती है पैसे निकालने पर लगी रोकक्या है स्वीप-इन-डिपॉजिट? स्वीप-इन सुविधा की मदद से बैंक आपके द्वारा तय किए रकम को आपके सेविंग अकाउंट (Saving Account) से स्वीप-इन-डिपॉजिट में ट्रांसफर कर देता है. इस स्वीप-इन-डिपॉजिट की अवधि 1 साल से लेकर 5 साल के लिए होती है. अवधि के आधार पर इस डिपॉजिट पर ब्याज दर भी तय किया जाता है. मोटे तौर पर इस डिपॉजिट में रखें पैसे पर आपको अधिक ब्याज मिलता है.

किसे मिल सकता है इसका फायदास्वीप-इन सुविधा बैंक के सभी ग्राहकों को नहीं दी जाती है. इसके लिए हर बैंक का अपना क्राइटेरिया होता है. आमतौर पर, इस खास सुविधा का लाभ लेने के लिए आपको कम से कम 25 हजार रुपये का FD करना जरूरी होता है.

यह भी पढ़ें: घर बैठें खरीद सकते हैं LIC की ये खास पॉलिसी, मिलेंगी कई सुविधाएं

कैसे मिल सकता है फायदा इस डिपॉजिट पर न सिर्फ ज्यादा ब्याज मिलता है बल्कि एक फायदा यह भी है कि इस सुविधा की मदद से आप अपने लिए एक बड़ी पूंजी भी तैयार कर सकते हैं जोकि किसी वित्तीय इमरजेंसी में आपके काम आ सकता है. छोटी मोटी जरूरतों के लिए आपको अपने रेग्युलर इन्वेस्टमेंट या FD की जरूरत भी नहीं पड़ेगी. अगर आप समय से पहले इस रकम की निकासी करते हैं तो आपको कोई फाइन भी नहीं देना पड़ेगा.

यह भी पढ़ें:  मोटी बचत के लिए इस सरकारी स्कीम में लगाएं पैसा, बन सकते हैं करोड़पति

News18 Hindi पर सबसे पहले Hindi News पढ़ने के लिए हमें यूट्यूब, फेसबुक और ट्विटर पर फॉलो करें. देखिए मनी से जुड़ी लेटेस्ट खबरें.

First published: March 9, 2020, 9:21 PM IST

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Mutual Fund Services

The bank has tied up with the following mutual fund asset management company (AMC) to act as a financial supermarket:

Birla Sun Life Asset Management Company Ltd.

DSP BlackRock Investment Managers Pvt. Ltd.

Franklin Templation Management Pvt. Ltd.

HDFC Asset Management Company Ltd.

ICICI Prudential Asset Management Company Ltd.

IDBI Asset Management Company Ltd.

Reliance Capital Asset Management Ltd.

SBI Fund Management Private Limited

UTI Asset Management Company Pvt. Ltd.

Features and benefits

Mutual fund services is a trust that collects the savings of investors with similar financial goals. Savings made in this way are invested in various instruments of marketing such as shares, debentures and other securities. The income earned from these investments and the appreciation from capital are shared with their unit holders in proportion to the number of units they own. Thus a mutual fund is the most reasonable investment for the common man as it provides an opportunity to make diversified, commercially managed investments of securities at a relatively low cost.

Benefit

Portfolio diversification is an idiom, 'don't risk everything', diversifying the number of instruments or instruments helps reduce the risk of single holding.

Business investment management Asset management companies (AMCs) are managed by professional fund managers who execute specific investment activities.

Liquidity Open-ended schemes provide liquidity through repurchase facilities and ongoing sales. Thus, the investor is not required to find a buyer for his investments.

Lower transaction costs Given its size, we know that, we can get better rates than retail rates. Thus, AMC leverages more bargaining power and is in a better position to bargain buying and selling of its investments.

Wide variety of investment products Since the goal of investment is different, the philosophical element of 'one size is right for everyone' is not right here. Hence, investors can choose their investments from a bunch of mutual fund schemes i.e. equity, loan, money market, ELSS etc., depending on the investment target and time frame.

Flexibility Mutual Funds provide flexibility for the investor to choose a scheme for the purpose of investment.

Information available through transparency fact sheets, proposal documents, annual reports and publicity material helps the investor to provide information about his investment.

Proper Control Mutual Funds are controlled in India, through SEBI monitoring of the activities of mutual funds.

Profit tax for equity funds, plans equity exposure of dividends received (ie more than 65% of equity mutual funds) are exempt from the full tax. Neither the mutual fund has to pay dividend distribution charges nor the investor has to pay income tax.

Types of mutual funds

By structure

Continuous / Unlimited Term -   These plans do not have fixed maturity. Mutual funds ensure that liquidity is maintained by selling and announcing repurchases for units of limited term funds.

Limited Term - These plans have a fixed maturity. Investor's money is blocked for a period. Sometimes, the investor has the option of repurchasing term plans, either for a particular period or for a particular period. These schemes are provided through liquidity, listing on the stock market.

Investment target

Equity schemes- Equity schemes mainly invest in shares. These are based on the target, investment can be made in growth stocks where there is a high probability of earnings growth or in value stocks where the fund manager is of the view that the current valuation of the market does not reflect intrinsic values. Following are the different types of equity shares:

        Diversified funds:          These funds provide you with the benefit of diversification of investment in companies spread across sectors and market capitalization. This is mostly for those who seek risk in the market and do not want to be limited to any one area.

        Sector / sector funds         These funds mainly invest in equity shares of a specific business sector or industry in companies. These funds, while offering higher returns, are more risky than diversified funds. Investors should keep an eye on the performance of these sectors / industries and get out of it at the right time.

       Index funds        These funds invest in the same pattern as popular stock market indices like the CNX Nifty index and the S&P BSE SENSEX. The value of an index fund varies / varies in proportion to the benchmark. The NAV fluctuations of such schemes are in accordance with the index fluctuations. This will change in comparison to the causal benchmark of an element such as 'tracking error'.

      ELSS (Equity Linked Savings Scheme)       Equity linked savings scheme is an open-ended equity development scheme offered by mutual funds along with the current ELSS guidelines. Thus the investments granted under the scheme have a lock-in period of 3 years and as per the Finance Act 2005 the benefit of deduction of income up to `1,00,000 / - is allowed. ELSS provides tax savings and capital gains. You can now invest the full amount of `1,00,000 / - under Section 80C in ELSS.

     Benefits of ELSS

     Invest: in equity and equity related security.      Section 80C: Tax Profit on Investments up to `1.00.000 / -      Lock-in period: 3 years (minimum of all salvaged instruments)      Return: High potential      dividend: Tax-free      tax liability: Since redemption or redemption occurs after 3 years .      SIP: To invest in small amounts through SIP

Debt or income schemes invest such funds in interest-paying securities, mainly government securities and corporate bonds. The fund earns returns for its investors from interest income on its investments and gains on business securities. As far as risk is concerned, the risk in such funds is low.

Money Market Schemes These schemes invest in short-term debt instruments issued by the government, corporate or banks. These are particularly investments in short-term papers such as CP and CD.

Hybrid schemes

        Balanced Schemes         Balanced plans are a mixed investment of equity and debt. Debt investment ensures basic interest income, which the fund manager wants to relate to the capital gains derived from investments in equity. Although the loss can be compensated in basic interest income and capital.

       Monthly Income Plan        MIP is suitable for traditional investors who do not have low risk of equity flow with debt risk. These funds invest a large portion of their portfolio in debt market instruments and a small portion for equity to provide consistency in returns. Thus MIP is suitable for traditional investors who monitor capital overvaluation as well as capital security as MIPs have a risk in equity. However, monthly income is not guaranteed.

Systematic planning

        Planned Investment Plan (SIP)         SIP is a convenient way to deposit money in a disciplined manner for a long term. It helps to invest a fixed amount regularly in less installments and thus to build more money over a longer time period.

        Planned Withdrawal Scheme (SWP) In         this scheme, the investor withdraws regular funds over a period of time. SWP is a mirror reflection of SIP. Just as investors do not want to buy all their units when the market is at its peak, they also do not want to redeem their units at the time of market trough. That is why investors can opt for a safe route to repurchase at the time of stability of the market price of the units.

        Planned Transfer Scheme (STP)         It is a combination of SWP and SIP. This is SWP from the current scheme of the same mutual fund and SIP (sweep in) in another scheme.

Benefit from SIP

       Benefits from SIP        SIP helps in investing itself at an early age to meet or fulfill the maximum expenditure of its life. By saving small amount regularly, the best power of money cycle validity has more effect on wealth accumulation.

       Rupee cost averaging        reduces the impact of investment in a SIP volatile market. This helps you earn better returns in the long run at your average cost. Since, when the NAV falls, more and less units are received, it averages the cost over time. Thus, the average cost of your investment decreases.

       Convenience and regularity        SIP allows you to pay through Syndicate Bank's electronic clearance service or auto debit or standing order. You can choose Yakam and Mutual Fund Scheme. A certain amount will be automatically debited from your account on the date you specify

        Disciplined approach          to investment Since you invest regularly, you become disciplined in terms of your savings. Disciplined investing is critical to earning good returns over a long timeframe.

Mutual fund terminology

Asset Management Company (AMC) means a mutual fund company.

Authorized Registrar - Any registrar or share transfer agent with whom AMC is proposed to be arranged for execution / confirmation of transaction orders placed through the branch network.

Proposal Documents / Scheme Information Documents - Documents issued by AMC, as amended from time to time (including addendum or otherwise), additional information of hypothetical and returns submitted to the units of the respective schemes / schemes for membership, which shall Available on the website and includes AMC.

Key Information Memorandum or Kim: Brief revision of the plan information document of the schemes of the fund, including the application form and key information of the plan (s).

NAV - The relevant plans per unit of gross asset radish and the plans and options contained therein or proposal or proposal document / plan information document as published and calculated, or as determined by regulation from time to time.

Purchased: Customers can subscribe for units of any scheme of the fund through distributor.

Redemption / redeemable - Redemption of any scheme of the fund unit by the customer.

Switch - The customer is given the facility to switch from AMC of a currently invested scheme to another ie the mutual fund (including the scheme / option contained therein) of the mutual fund of a scheme's unit (the scheme / scheme contained therein) Option also includes) Redemption from sale of unit of any other scheme, subject to period of restriction, if any.

Unit - The proof of unit certificate / account statement by the investor is the representation per unit vested in a scheme in an interest in an undivided share in the assets of that scheme.

Dividend Options - The options available to the customer will be to choose from the dividend payment or dividend reinvestment facility available in the AMC plans, as defined in their respective offer documents, from the offer document / plan information document and addendum.

Dividend Payment - The option selected by the customer for dividend, payment subject to deduction at source, if any, to be made according to the respective proposal document / plan information document and Addendum.

Dividend Reinvestment - The option selected by the customer to reinvest the dividend, subject to deduction at source, if any, to be made in the respective proposal document / plan information document and Addendum.

Record the date - the date on which beneficial ownership of the unit holders in the fund is recorded by the AMC in the register of NIT holders.

Disclaimer

Mutual fund investment is subject to market risk. Please read the proposal document / plan information document carefully before forcing.

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