#sbi mutual fund

[targetstudy]

Which Loan is Best, FD, Gold Loan, Mutual Fund, Personal Loan

What is Loan

Some Types of Loans

FD (Fixed Deposit) Loan

You can take a loan against bank FD without breaking it. In this way, along with the benefit of maintaining the savings deposited in the bank, one also gets the necessary cash.

The interest rates (12–15%) applicable on FD loans are also lower than personal loans. This loan is also easily available immediately. Also, there is no need to submit many documents to the bank for this. Savings also remain intact along with debt.

Gold Loan

Gold loans have become attractive these days as gold prices have reached Rs 75,000 per 10 grams. Now you will get more loan than before on mortgaging jewellery.

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[mutualfunds1]

Shape your financial Goals with SBI Mutual Fund's Investment Tools & Calculators. These tools do not just help in setting up a financial goal, but also offer potential solutions on how to meet your goals.

[loandarkar]

বেষ্ট এস বি আই মিউচুয়াল ফান্ড ২০২৩। স্টেট ব্যাঙ্ক অফ ইন্ডিয়া নিফটি ইনডেক্স ফান্ড ২০২৩

এস বি আই বেষ্ট মিউচুয়াল ফান্ড:- বন্ধুরা আজকের এই পোস্টটিতে আমরা এসবিআই অর্থাৎ স্টেট ব্যাঙ্ক অফ ইন্ডিয়া এর একটি অত্যন্ত লাভজনক মিউচুয়াল ফান্ড প্ল্যান সম্বন্ধে জানব। যেখানে আপনার মান্থলি ইনকাম এর পাশাপাশি আপনার মূল ইনভেস্টমেন্টের সাথেও হাই ইন্টারেস্ট যুক্ত হবে। যেটি মূলত পোস্ট অফিস এবং এলআইসি এর মান্থলি ইনকাম স্কিম গুলির ক্ষেত্রে হয় না। তো বন্ধুরা এর আগে আমরা এলআইসি অর্থাৎ ভারতীয় জীবন বীমা…

[sigfynfinancialservices]

Best Mutual Funds, Online Investment Platform, Certified Financial Advisor | Sigfyn

https://www.sigfyn.com/ Get Best Mutual Fund Advisory at Sigfyn, we are best AI-powered platforms that provides personalized and holistic financial advisory to grow wealth by SIP. Invest in best mutual funds portfolios such SBI, HDFC, ICICI Prudential, Nippon India curated by expert-built algorithms.

[techalertr]

How to open sip account in sbi | MUTUAL FUND | Open SIP account online | हिंदी में Watch video on TECH ALERT yt https://youtu.be/UjriDWwMobo

#TechAlert #mutualfunds #sip #SBI #howto #onlineshop #savings #investing #bachata #trendingreels #Youtube #shorts #reelsfb #reelsviral #viral #instagram #love #selfcare #selfie #girls #digital #handmade #jualfontandroid #advertisement #fontandroid #original #socialmedia #creative #fontxiaomi #tagwagai #taskmanager

[emmaameliamiaava]

SBI Mutual Fund SIP Calculator – Plan Your Investment Returns

SBI SIP Calculator - Systematic Investment Plan calculator helps you to determine the returns you can avail while investing funds in such investment tools.

[sunnysharmaseo]

Sovereign Gold Bond vs. Gold ETF: A Comprehensive Comparison for Smart Investors

Over the last few years, the concept of digital gold has arrived in a big way. It started off with gold ETFs and then came the highly popular Sovereign Gold Bond scheme. There are also other digital gold holding vehicles like international gold funds, gold futures and digital gold. In this blog, the focus would largely be on understanding the relative merits and demerits of the sovereign gold bond vs gold ETF debate, and which is more suitable and under what circumstances. Also, a comparison of gold ETF vs SGB is provided on parameters like liquidity, flexibility, charges and tax implications.

What are Sovereign Gold Bonds (SGB) all about?

SGBs or Sovereign Gold Bonds have been around in India since Nov-2015 and have been gradually gaining in heft. These SGBs are central government-backed bonds, denominated in grams of gold. The underlying holding in grams of gold is guaranteed by the central government. In addition, these sovereign gold bonds also bear an interest of 2.50% annually on the issue price, which is paid semi-annually to the investor. Investors also get an upfront discount of Rs. 50/- per gram if the payment mode is digital. SGBs are also advantageous as they do not have the hassles like storing gold, making charges, risk of loss etc.

What really stands out about the SGB is the sovereign guarantee and that the returns are pegged to the price of gold. What the government guarantees is the payment of interest at 2.50% per annum and the holding of gold in grams. Considering that gold has generally given positive returns over longer periods of time, it makes investment in SGBs relatively secure and attractive too.

The SGBs can be held either in physical form or in demat form, as part of the demat account.

Gold ETFs (Exchange Traded Funds)

Unlike SGBs that are issued by the central government, gold ETFs are issued by the mutual fund houses registered with SEBI. They are issued in the form of gold units pegged as equivalent to a certain weight in gold expressed in grams. Gold ETFs are typically closed-ended in that once the NFO period is over, the fund does not offer any purchase or sale of units. However, being Exchange Traded Funds, they are mandatorily listed on the stock exchanges and investors wanting to buy or sell gold ETFs can do so using their existing demat account and trading account.

Gold ETFs are very liquid and hence, entry & exit is hardly a problem without any price damage. You can trade in gold ETFs just as you trade in stocks. It must be noted here that gold ETF issuing mutual funds are required to maintain physical gold equivalent to the units sold with a gold custodian bank as a backing.

Sovereign Gold Bond VS Gold ETF

Let's compare the sovereign gold bonds and the gold ETFs on a variety of parameters like returns, risk, flexibility, liquidity, taxation, etc. This sovereign gold bond vs gold ETF comparison will allow investors to make the best choice.

Here are the highlights of the gold ETF vs SGB debate.

1. How do SGBs and Gold ETFs compare in returns?

Remember, both SGBs and gold ETFs are linked to the price of gold. If the price of gold goes up, then the capital appreciation will benefit the SGB and also the gold ETFs. The difference lies in the interest paid. For instance, SGBs pay an additional assured interest of 2.50% per annum, but such assured returns do not exist in gold ETFs.

2. How do SGBs and Gold ETFs compare in risk?

One can argue that since both are backed by gold, there is no asset risk; however, there is a difference.

Even though SGBs do not have physical gold backing, the returns on these bonds are pegged to gold prices. And they have an explicit guarantee by the central government regarding the gold holding and the interest payable. In the case of gold ETFs, there is no explicit guarantee (sovereign or otherwise) but they do have the physical gold with the gold custodian bank.

3. How do SGBs and Gold ETFs compare in taxation?

Gold ETFs are treated as non-equity assets and hence the capital gains, if any, would be treated as short-term gains if held for less than 3 years and taxed at the marginal tax rate applicable. If the gold ETFs are held for more than 3 years, they are long-term capital gains and they attract tax at 20% with the benefit of indexation.

In the case of SGBs, the method of taxation is the same, with just one critical difference. If the SGBs are held till redemption, then any capital gains on the SGBs are fully tax-free in the hands of the investor. However, interest on gold bonds is fully taxable.

4. How do SGBs and Gold ETFs compare in costs?

Sovereign gold bonds don’t have any recurring cost of ownership. Gold ETFs on the other hand, have annual charges, including brokerage and expense ratio ranging from 0.50 – 1.00%. The costing of SGBs is a lot more transparent than Gold ETFs.

5. How do SGBs and Gold ETFs compare in liquidity?

Gold ETFs can be bought and sold in the secondary market using your existing trading and demat account with your stock broker. SGBs can be bought at the new issue period, which can be several times during the fiscal year. Outside that, SGBs are listed on the stock exchange, but the liquidity is limited.

Let’s look at the table below to quickly review the gold ETF vs SGB debate

To sum up the sovereign gold bond vs gold ETF debate, both are digital modes of holding gold and are linked to gold prices.

Among 6 key parameters viz. fixed interest, taxation, liquidity, costing, purity and safety, SGB stands out across all. On the other hand, Gold ETFs are highly liquid and do not have a maximum investment limit, allowing investors to buy as much as they want while in case of SGBs maximum investment limit for individual investors is 4kg in a Financial Year

Eventually, investors need to take a call on the gold ETF vs SGB choice based on their financial goals & risk profile; and returns, risk, liquidity, taxation, & convenience the products have to offer.

Source URL: https://www.sbisecurities.in/blog/sovereign-gold-bond-vs-gold-etf

[zfundsofficial]

Best SBI Mutual Fund for Lumpsum Investment 2024 

[buistech]

Is SBI a Safe Bet for Long-Term Investment? Here's What the Experts Say

To make informed decisions, investing in the stock market necessitates careful consideration and analysis. State Bank of India (SBI), being quite possibly of the biggest bank in India, frequently grabs the eye of financial backers looking for long haul speculation open doors. Be that as it may

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[divya1236]

Which Bank Gives Loans Against Mutual Funds?

A loan against mutual funds is a financial facility offered by banks and non-banking financial companies (NBFCs) where you can pledge your mutual fund investments as collateral to borrow money. This type of loan is gaining popularity due to its flexibility, quick processing, and the ability to retain ownership of your investments. Let’s explore which banks provide loans against mutual funds, their features, eligibility criteria, and the process involved.

Banks Offering Loans Against Mutual Funds

HDFC Bank

Features:

Provides an overdraft facility.

Loan amount ranges from ₹50,000 to ₹10 crore.

Quick disbursal with minimal documentation.

Interest Rate: Competitive, based on the loan amount and tenure.

Eligibility: Must hold mutual funds with HDFC Bank's partnered registrars such as CAMS or Karvy.

Repayment: Flexible repayment options based on the overdraft utilization.

ICICI Bank

Features:

Offers loans against mutual funds as an overdraft.

Online application process with instant approval in some cases.

Loan Amount: Minimum ₹50,000 with no upper cap, subject to the value of pledged mutual funds.

Eligibility: Mutual funds should be held in demat form through CAMS or KFintech.

Interest Rate: Varies based on fund type and tenure.

Axis Bank

Features:

Provides loans against both equity and debt mutual funds.

Fast processing with digital pledging.

Loan Amount: Up to 50% of the value of equity funds and 80% of the value of debt funds.

Eligibility: Available to existing Axis Bank customers holding mutual funds via CAMS/KFintech.

Interest Rate: Market-linked and negotiable.

SBI (State Bank of India)

Features:

Offers loans against mutual funds held through partnered registrars.

Attractive interest rates and simple documentation process.

Loan Amount: Determined based on mutual fund portfolio value.

Eligibility: Available to individuals holding mutual funds with linked demat accounts.

Repayment: Tenure can vary depending on the type of mutual funds pledged.

Kotak Mahindra Bank

Features:

Specializes in loans against securities, including mutual funds.

Loan disbursal is fast and requires minimal paperwork.

Eligibility: The mutual funds need to be held in demat form.

Interest Rate: Competitive rates, negotiable for high-value loans.

IDBI Bank

Features:

Provides loans against a variety of mutual funds.

Offers both term loans and overdraft facilities.

Loan Amount: Up to 70%-80% of the mutual fund’s NAV (Net Asset Value).

Eligibility: Individuals with mutual funds in partnered registrars can avail of this facility.

Interest Rate: Dependent on mutual fund type and tenure.

Federal Bank

Features:

Offers flexible loans against both equity and debt mutual funds.

Loan tenure is customizable based on the customer's requirements.

Loan Amount: Determined as a percentage of the NAV.

Eligibility: Mutual funds should be held with CAMS or KFintech.

Interest Rate: Competitive and depends on the loan tenure.

How Loans Against Mutual Funds Work

Pledging Mutual Funds: The mutual funds are pledged as collateral to the bank. The ownership remains with the investor, but the bank places a lien on the units.

Loan Amount Determination: The loan value is determined based on the type of mutual funds:

Equity Mutual Funds: Loan-to-Value (LTV) ratio of up to 50%.

Debt Mutual Funds: LTV ratio of up to 80%.

Disbursement: Once approved, the loan amount is disbursed either as an overdraft or a term loan.

Repayment: You can repay the principal amount and interest within the loan tenure. In case of default, the bank can liquidate the pledged mutual funds.

Advantages of Loans Against Mutual Funds

Ownership Retention: Investors retain ownership of their mutual funds.

Quick Disbursal: Faster processing compared to traditional loans.

Lower Interest Rates: Generally lower than personal loans or credit card debt.

Flexible Repayment: Based on overdraft utilization or fixed tenures.

Eligibility and Documents Required

Eligibility:

Applicant must hold mutual funds in a demat form.

Mutual funds should be held through partnered registrars such as CAMS or KFintech.

Banks may require the applicant to be an existing customer.

Documents:

Proof of identity (Aadhar card, PAN card, etc.).

Proof of address.

Mutual fund portfolio statement.

Bank statements (if required).

Steps to Apply

Contact the Bank: Reach out to the bank offering the facility.

Submit Required Documents: Provide the necessary documents for verification.

Lien Creation: The bank creates a lien on your mutual fund units.

Approval and Disbursal: Post verification, the loan amount is approved and disbursed.

Things to Keep in Mind

Ensure the mutual funds being pledged are not locked in (e.g., ELSS funds with a 3-year lock-in).

Understand the LTV ratio to estimate the loan amount.

Compare interest rates and processing fees across banks for better deals.

Keep track of your loan tenure to avoid defaults and liquidation of pledged funds.

Conclusion

Several banks, including HDFC Bank, ICICI Bank, Axis Bank, SBI, and others, offer loans against mutual funds, providing a convenient financial solution while retaining investment ownership. By pledging your mutual funds, you can access funds quickly with flexible repayment options. However, it’s essential to evaluate the terms and conditions of different banks to find the best fit for your financial needs.

[gofordigitalindia]

Sbi Mutual Fund क्या है ?

SBI Mutual Fund, एसेट म��नेजमेंट कंपनी और भारत के सबसे बड़े पब्लिक सेक्टर के बैंक भारतीय स्टेट बैंक द्वारा संचालित एक प्रमुख फंड हाउस है।

sbi mutual fund

SBI म्यूचुअल फंड योजनाओं में निवेश करने के सबसे लोकप्रिय तरीकों में से एक सिस्टेमेटिक इंवेस्टमेंट प्लान (SIP) है। SIP के जरिए आप SBI में निवेश कर सकते हैं। जिन इन्वेस्टर के पास काम राशि है तो वो SIP के द्वारा निवेश कर सकते है Sbi Mutual Fund में निवेश कर सकते है

SIP क्या है ? Systematic Investment Plan

निवेशक SIP के माध्यम से न्यूनतम 500 रुपये की राशि से भी म्यूचुअल फंड में निवेश करना शुरू कर सकते हैं। निवेशक के बैंक अकाउंट से हर महीने एक निश्चित राशि को चुने गए Mutual Fund में निवेश किया जाता है। इसके बाद निवेशक को इसके बदले में, नेट एसेट वैल्यू (NAV) के आधार पर म्यूचुअल फण्ड यूनिट की एक निश्चित संख्या दी जाती है।

Sbi Mutual Fund कैसे काम करता है ?

एसबीआई म्युचुअल में निवेश के दो तरीके उपलब्ध हैं। एसआईपी द्वारा, प्रत्यक्ष निवेश एसआईपी बैंक आवर्ती जमा के समान सिद्धांत पर काम करता है। एसबीआई एसआईपी के लिए आपका मासिक, साप्ताहिक या दैनिक निवेश एक निर्धारित तिथि पर आपके बैंक खाते से स्वचालित रूप से निकाल लिया जाता है। यह राशि आपकी पूर्व-स्थापित एसबीआई म्युचुअल फंड योजनाओं में से एक के लिए रखी गई है। कीमतें हर दिन बदलती हैं। नतीजतन, वितरित मात्रा हर बार अलग-अलग होगी।

Sbi Mutual Fund में निवेश करने की स्कीम

SBI इक्विटी म्यूच्यूअल फंड

Sbi Mutual Fund द्वारा निवेशकों को लग कैप ,मिड कैप ,और स्माल कैप की योजनाओ में निवेश करने की सुबिधा देता है और ये जो फण्ड होते है वो लॉन्ग टर्म के लिए अच्छे रेतुर्न देते है

SBI डेट म्यूच्यूअल फण्ड

SBI डेट म्यूचुअल फंड मुख्य रूप से डेट और परमानेंट इनकम सिक्योरिटी के मिश्रण में निवेश करते हैं। फिक्स्ड इनकम सिक्योरिटीज़ में ट्रेजरी बिल, गवर्नमेंट सिक्योरिटीज़, मनी मार्केट इंस्ट्रूमेंट्स आदि शामिल हैं। इन सिक्योरिटीज़ की एक निश्चित मैच्योरिटी तारीख़ होती है और एक निश्चित ब्याज़ दर मिलती है। Read More - Sbi Mutual Fund क्या है ?

[worldmarketview]

📊 Top Mutual Funds of the Year! 🚀

Looking for high-performing mutual funds? Here's a roundup of the best funds by category, showcasing incredible returns in the past year:

🔥 Top Performers:

Bandhan Small Cap Fund-Reg(G): 🏆 67.79% returns – Best in Small Cap Category

Motilal Oswal Midcap Fund-Reg(G): 66.11% returns – Top Mid Cap Fund

Quant Value Fund-Reg(G): 61.58% returns – Best in Value-Contra-Dividend Yield

✨ Category Highlights:

🔹 Large Cap Funds:

Quant Large Cap Fund-Reg(G): 42.11% returns

DSP Top 100 Equity Fund-Reg(G): 39.53% returns

🔹 Large & Mid Cap Funds:

Motilal Oswal Large & Midcap Fund-Reg(G): 58.60% returns

Invesco India Large & Mid Cap Fund(G): 52.58% returns

🔹 Flexi Cap Funds:

JM Flexicap Fund-Reg(G): 54.84% returns

Bank of India Flexi Cap Fund-Reg(G): 53.88% returns

🔹 ELSS Funds (Tax-Saving):

Motilal Oswal ELSS Tax Saver Fund-Reg(G): 64.40% returns

SBI Long Term Equity Fund-Reg(G): 51.50% returns

💡 Benchmark Performance:

Nifty 50 - TRI: 28.39%

Nifty Smallcap 250 - TRI: 48.57%

📈 Takeaway: With top funds outperforming benchmarks, now’s the time to review your portfolio and seize these opportunities for wealth creation!

[techalertr]

Lumpsum Investment in Mutual Funds | SBI Investapp | इन्वेस्टमेंट करें म्यूच्यूअल फण्ड में Watch video on TECH ALERT yt https://youtu.be/lcjoLasPQ94

#TechAlert #howto #technology #sip #mutualfund #lumpsum #SBI #investapp #investment #interest #trendingreels #viral #Youtube #shorts #love #girls #teenage #growth #howtoinvest #invest

[usercalculator]

Maximize Your Investments with the SBI SIP Calculator: A User-Friendly Guide

Investing in mutual funds through a Systematic Investment Plan (SIP) is a popular choice for many looking to grow their wealth over time. Among the numerous tools available to investors, the SBI SIP Calculator stands out as a valuable resource for planning and managing investments effectively. This comprehensive guide will walk you through everything you need to know about the SBI SIP Calculator, how it works, and why it should be a part of your investment strategy.

Understanding the SBI SIP Calculator

The SBI SIP Calculator is a specialized tool designed to help investors estimate the future value of their SIP investments. It provides an easy way to calculate the returns one might expect based on regular monthly investments, the anticipated rate of return, and the investment duration. This calculator is particularly useful for those investing in mutual funds offered by the State Bank of India (SBI), allowing users to make informed decisions based on potential earnings scenarios.

How the SBI SIP Calculator Works

The calculator operates on a straightforward principle: it uses the power of compounding to project the future value of your investments. By inputting three key variables – the monthly investment amount, the expected annual return rate, and the investment period – you can instantly see how much your investments might grow over time.

Monthly Investment Amount: This is the amount you plan to invest in the SIP every month. The calculator allows you to adjust this figure to see how different investment amounts can impact your returns.

Expected Annual Return Rate: This is the rate at which you expect your investment to grow annually. While this rate can vary depending on market conditions, the calculator typically uses historical data to provide a reasonable estimate.

Investment Duration: This is the period over which you plan to continue your SIP. The longer the duration, the more significant the impact of compounding, potentially leading to higher returns.

Benefits of Using the SBI SIP Calculator

Strategic Planning: The SBI SIP Calculator helps you strategize your investments by showing potential returns based on different scenarios. This allows you to plan your finances better and set realistic financial goals.

Instant Calculations: With just a few inputs, you can quickly understand how your investments may perform over time, making it easier to adjust your strategy as needed.

Risk Assessment: By experimenting with different return rates, you can gauge the risk levels you are comfortable with and choose funds that match your risk appetite.

Financial Discipline: Regularly using the SIP calculator encourages financial discipline, as it highlights the benefits of consistent investing over time.

Using the SBI SIP Calculator: A Step-by-Step Guide

Access the Calculator: Start by visiting a reliable financial website or SBI’s official site to access the SIP calculator.

Input Your Details: Enter the monthly investment amount, expected annual return rate, and the duration of your investment. You can adjust these values to see different outcomes.

Analyze the Results: The calculator will provide you with a detailed projection of your investment’s future value, helping you make informed decisions.

Plan Accordingly: Use the insights gained from the calculator to adjust your investment plans, whether it’s increasing your monthly investments or choosing a different fund with a better return rate.

Why the SBI SIP Calculator is a Valuable Tool for Investors

Investors often face the challenge of predicting market performance and planning their investments accordingly. The SBI SIP Calculator simplifies this process by offering a clear and concise view of potential returns. This transparency helps investors set realistic expectations and make informed decisions, minimizing the guesswork often associated with financial planning.

Moreover, by illustrating the power of compounding, the calculator emphasizes the importance of starting early and investing regularly. Whether you are a seasoned investor or a beginner, the SBI SIP Calculator serves as a crucial companion in your financial journey, guiding you towards achieving your long-term wealth goals.

In conclusion, the SBI SIP Calculator is more than just a number-crunching tool; it is a strategic ally for any investor looking to maximize their returns in the mutual fund market. By providing valuable insights into future investments, it empowers users to take control of their financial future with confidence. Incorporate this tool into your investment planning today and watch your financial aspirations transform into reality.