FD Ke fayde? | Benefits of FD | Is FD Safe In 2025 | Hindi

 Fixed Deposit (FD) ke kuch fayde hain jo aapko zaroor consider karne chahiye:

Guaranteed Returns: FD mein aapko ek fixed interest rate milta hai, jo market ke fluctuations se unaffected rehta hai1

Safety: FD ek safe investment option hai kyunki yeh bank ya NBFC ke dwara offer kiya jata hai1

Flexible Tenure: Aap apni convenience ke hisaab se 7 din se lekar 10 saal tak ke liye FD karwa sakte hain2

Loan Facility: FD ke against aap loan bhi le sakte hain, jo emergency situations mein kaafi helpful hota hai3

Tax Benefits: Kuch specific FDs par aapko tax benefits bhi milte hain, jaise 5-year tax-saving FD

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Kya FD ka premature withdraw kr skte hai?

 Haan, FD mein premature withdrawal possible hai. Lekin iske kuch conditions aur penalties hoti hain:

Penalties: Jab aap apni FD ko maturity se pehle withdraw karte hain, toh aapko kuch penalty charges dene padte hain. Yeh charges usually interest rate mein reduction ke form mein hote hain, jo 0.5% se 1% tak ho sakte hain1

Interest Loss: Premature withdrawal se aapko jo interest milta, usme bhi kami ho sakti hai. Aapko sirf us period ka interest milega, jab tak aapne FD rakhi thi1

Partial Withdrawal: Kuch banks partial withdrawal ki facility bhi dete hain, jisme aap apni FD ka kuch hissa withdraw kar sakte hain aur baaki amount FD mein rehta hai