घर बैठे कमाएं बंपर आमदनी: एक बार लगाएं पैसा, हर महीने लाभ - Informationbaba

घर बैठे कमाएं बंपर आमदनी: एक बार लगाएं पैसा, हर महीने लाभ

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Fixed Deposit Monthly Income Scheme : घर बैठे कमाएं बंपर आमदनी: एक बार लगाएं पैसा, हर महीने लाभ

Fixed Deposit Monthly Income Scheme सिटीजंस के लिए बेहतर विकल्प है

फिक्स्ड डिपॉजिट (Fixed Deposit) भारत में सबसे लोकप्रिय निवेश का माध्यम है. सुरक्षित निवेश और गारंटीड रिटर्न के लिए बैंकों की फिक्स्ड डिपॉजिट स्कीम बेहतर मानी जाती है. बैंकों में FD स्कीम में निवेश करने पर एक फिक्स ब्याद दर पर मैच्योरिटी होने पर पैसा मिलता है. लेकिन क्या आप जानते हैं कि फिक्स्ड डिपॉजिट से आप हर महीने भी कमाई कर सकते हैं. जिस तरह हर महीने नौकरी करने पर पैसा मिलता है, ठीक उसी तरह बैंक की इस FD स्कीम में हर महीने कमाई कर सकते हैं. इसका नाम है फिक्स्ड डिपॉजिट मंथली इनकम प्लान (fixed deposit monthly income plan).

क्या है ये मंथली इनकम प्लान?

FD स्कीम में 2 विकल्प होते हैं. पहला विकल्प कम्युलेटिव स्कीम (Cumulative FD) का है, जहां मैच्योरिटी पर में मूलधन और ब्याज दोनों जोड़कर रकम मिलती है. वहीं नॉन कम्युलेटिव (Non-Cumulative FD) स्कीम में रेगुलर पेआउट एक फिक्स इंटरवल पर किया जाता है. आवेदन करते समय ही आप मंथली, तिमाही, छमाही और सालाना पेआउट का विकल्प चुन सकते हैं. मंथली विकल्प चुनने पर हर महीने रकम खाते में आती रहती है.

एफडी मंथली इनकम प्लान की खासियत
1. इस स्‍कीम को शुरू करने के लिए कोई प्रोसेसिंग फीस नहीं है.

2. एफडी मंथली इनकम स्‍कीम में मिनिमम 1000 रुपये से लेकर मैक्सिमम कितनी भी राशि जमा की जा सकती है.

3. बाजार में उतार-चढ़ाव के बावजूद निवेशकों को तय ब्याज के हिसाब से मंथली रिटर्न मिलता है, यानी यह पूरी तरह से सुरक्षित है.

4. फिक्‍स्‍ड डिपॉजिट मंथली इनकम स्‍कीम पर लोन की भी सुविधा होती है. अपनी जमा पर निवेशक लोन ले सकते हैं.

5. निवेशक अपनी वित्तीय जरूरतों को पूरा करने के लिए एक तय फॉर्मेलिटी पूरी कर किसी भी समय अपना कैश निकाल सकता है.

इस कैटेगरी के लोगों के लिए फायदेमंद

फिक्‍स्‍ड डिपॉजिट मंथली इनकम सीनियर सिटीजंस के लिए बेहतर विकल्प है जो अपनी जमा पूंजी को सुरक्षित रखते हुए उस पर मंथली इनकम कर सकते हैं. वे अपनी जमा पूंजी को अगर क्‍यूमुलेटिव एफडी में लगाते हैं तो उन्‍हें निरंतर पैसा नहीं मिलेगा और पैसा मैच्‍योरिटी पर ही मिलेगा. वहीं, नॉन क्‍यूमुलेटिव एफडी में उनका पैसा भी सुरक्षित रहेगा, रिटर्न भी मिलेगा और उनके हाथ में हर महीने या तीन महीने में ब्‍याज के रूप में पैसा भी आता रहेगा.

टैक्स के नियम
अगर आप टैक्स सेवर फिक्स्ड डिपॉजिट खाते में निवेश करते हैं तो एक वित्त वर्ष में इनकम टैक्‍स एक्‍ट के सेक्शन 80C के तहत 1,50,000 रुपये तक की रकम पर टैक्स छूट का लाभ उठा सकते हैं. अगर किसी वित्त वर्ष में मंथली इनकम या रिटर्न 40,000 रुपये से अधिक है तो बैंक 10% TDS काटता है. सीनियर सिटीजंस के मामले में यह रकम 50,000 रुपये है.

Fixed Deposit Monthly Income Scheme

The monthly income scheme of Fixed Deposit has gained popularity among investors. It is considered liquid as it allows depositors to withdraw money as needed. The monthly income scheme in banks helps to take loans against it. It offers tax exemption benefits as well.

Consumers can earn interest on the money invested in a fixed deposit. The highest interest rate that you can earn from a bank fixed deposit is around 6.25%. Senior citizens are offered different interest rates than normal people.

What is Fixed Deposit Monthly Income Scheme?

A fixed deposit monthly income scheme is effective for risk-averse investors. It offers a certain amount of money as a monthly return on investment based on the amount kept as a fixed deposit. In this way, it offers a  guaranteed return.

The fixed deposit monthly income scheme is liquid. Since it allows the investors to withdraw money at any time. The withdrawal cost is less than 1% of the capital invested. The fixed deposit monthly income scheme does not charge any account opening or management fees. Therefore, it is comparatively less costly than other available monthly income schemes.

Features and Benefits of Fixed Deposit Monthly Income Scheme

The fixed deposit monthly income scheme has specific features and benefits which have made it one of the keys secured investment options. Some of the benefits and features of this scheme are:

Features of FD Monthly Income Scheme:

  • The bank MIS FD Scheme does not limit the maximum deposit amount.

  • Some banks provide this scheme for long tenure like 10 years. A longer duration is a substantial time for getting an income as interest and on monthly basis.

  • Compared to other monthly income schemes, this scheme is more liquid in nature. An investor can withdraw their cash anytime to meet their financial requirements.

  • There are no processing fees.

  • The earnings of a monthly income scheme FD are higher than the earnings of a normal FD.

  • Investors get monthly returns irrespective of the market fluctuation.

Benefits of FD Monthly Income Scheme:

  • Withdrawal: The depositors can withdraw money from the fixed deposit account without paying any fees. It makes the investment opportunity highly liquid.

  • Nomination: The bank MIS FD scheme offers a nominee facility. The depositors can become nominees of a specific person so that in the absence of the depositor, that person will get the benefits of the monthly interest FD scheme.

  • Loan Facility: The bank MIS FD scheme offers a loan facility. The depositors can take loans against this type of fixed deposit scheme.

  • No Processing Fee: Unlike other mutual investment accounts, managing FD monthly income schemes does not require paying any processing fees.

  • Monthly Income: The key benefit offered by the monthly interest FD scheme is its monthly income facility. Based on the return of the fixed deposit amount, the depositors get a monthly payout of a certain amount as applicable.

The Interest Rate Of The Fixed Deposit Monthly Income Scheme

Different fixed deposit schemes offer different interest rates. The FD interest rates for some of the top banks and financial institutions for this scheme are discussed below:

Bank Tenure Interest Rate
HDFC Bank FD 7 days to 10 years 2.5% to 5.5%
SBI Bank FD 7 days to 10 years 2.9% to 5.4%
Axis Bank FD 7 days to 10 years 2.5% to 5.75%
Kotak Bank FD 7 days to 10 years 2.5% to 5.3%
IDBI Bank FD 7 days to 10 years 2.7% to 5.4%
IDFC Bank FD 7 days to 10 years 2.75% to 5.75%
Punjab National Bank FD 7 days to 10 years 2.90% to 5.25%

*The FD interest rates are subject to change. Please check the bank’s website for the latest FD rates.

The Interest Rate Of The Monthly Income Scheme For Senior Citizens

Bank Tenure Interest Rate
HDFC Bank 7 days to 10 years 3.00% to 6.25%
SBI Bank 7 days to 10 years 3.4% to 6.2%
Axis Bank 7 days to 10 years 2.50% to 6.25%
Kotak Bank 7 days to 10 years 3% to 5.8%
IDFC First Bank 7 days to 10 years 3.25% to 6.25%
Bank of Baroda 7 days to 10 years 3.30% to 5.75%
Punjab National Bank 7 days to 10 years 3.40% to 5.75%
IDBI Bank 7 days to 10 years 3.20% to 5.75%

*The FD interest rates are subject to change. Please check the bank’s website for the latest FD rates.

Eligibility Criteria for FD Monthly Income Scheme

The interested individuals or associations must meet the eligibility criteria to open the FD monthly income scheme. The eligibility criteria are mentioned below.

  • The individuals or associations can open a fixed deposit account to get a monthly income facility.

  • The individuals must be at least 18 years old.

  • They may be citizens residing in India or non-resident Indians.

  • The minors can open the account. However, they must open the account as joint accounts with their parents.

  • Companies and Hindi-United-Families can open the MIS FD account.

  • Any association or institution can open an account.

Documentation Required for FD Monthly Income Scheme

To open the account, the depositors must submit the necessary documents. The list of necessary documents to open an FD monthly income scheme is mentioned below:

  • Application form for opening fixed deposit account

  • 2 copies of passport-sized photograph

  • Identity proof such as AADHAR card, PAN card, Voter’s ID card, Driving License, etc.

  • Address proof such as AADHAR card, Voter’s ID card, Driving License, etc.

Taxation on Fixed Deposit Monthly Income Scheme

  • The fixed deposit account offers tax exemption up to INR 1,50,000 in a financial year if you invest in a tax saver fixed deposit account.

  • Bank deducts TDS of 10% if the monthly income or return exceeds INR 40,000 in a financial year.

  • Bank deducts TDS of 20% if the depositor does not have any PAN card.

  • Bank deducts TDS of 10% for the senior citizen if monthly income or return exceeds INR 50,000 in a financial year.

How to Apply for Fixed Deposit Monthly Income Scheme?

To open a fixed deposit monthly income scheme with a bank, the depositor must be an account holder of that bank. Otherwise, the person must visit the nearest bank branch to open a savings account.

  • They must submit the required application form for a fixed deposit monthly income scheme.

  • They must submit address proof and identity proof for the KYC process.

  • They must submit two copies of the photo.

  • The operation instruction for the proposed account must match the debited account.

  • The savings bank account should not be dormant. It must be open for internet banking operations.

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