Untill greedy govt does not remove tax on FD interest, then nothing is going to change
@viki19910
Күн бұрын
That to tds before final withdrawal 😂
@prakashth
Күн бұрын
At 30% income tax on FD , that too before maturity 😂 what do you expect
@scorpcool
2 күн бұрын
The youth is now aware that keeping money in FD is actually erosion of savings! Tax benefits or rate increase of FD should be done to make it lucrative!
@annamalaian0711
2 күн бұрын
Didn't you read the explanation at start? The notion that investing in capital markets takes money away from bank deposits is wrong. No matter where you invest, the money remains in the banking system. You buy shares, the money goes from your bank account to your broker's account to the seller's brokers account and ultimately to the seller's bank account.
@scorpcool
2 күн бұрын
@@annamalaian0711 thanks ... Did you happen to read any thing about capital markets in my comment ?
@annamalaian0711
Күн бұрын
@@scorpcool what’s the point of investing in FD then?
@scorpcool
Күн бұрын
@@annamalaian0711 there are many more uses of money...and you assumed only 2 uses... FD or capital markets.... Anyways... With your logic irrespective what you invest in, the money will go to a bank.... Then why even comment here?
@annamalaian0711
Күн бұрын
@@scorpcool my question was why should you think it’s necessary to increase FD!
@imran4006
2 күн бұрын
I think FD must also be treated as Long Term Capital Gain and taxed accordingly because afterall FD is also Capital Appreciation 😵💫😵💫
@religionofpeace782
Күн бұрын
FD is not capital appreciation. It's capital erosion when indexed with inflation.
@dineshbhasker8557
2 күн бұрын
Greedy top bank executives had forgotten banking and concentrating on the insurance/mutual fund business which gives them huge incentives. Unachievable targets are foisted on unwilling branch managers. Customers who enter the bank to give deposits are coerced into putting the money in insurance or mutual funds to achieve branch targets. Loans are sanctioned via quid pro quo against insurance business. RBi/ finance ministry looked the other way while these things were going on. Now they have woken up. Shame!
@tkdhanesh01
Күн бұрын
Generational change is also affecting the savings style. From savings to wealth creation. Cash to enquities
@AnindyaPaul-fo6zp
2 күн бұрын
Tax benefits on FD is probably the only option to get more inflow in FD. FD is not at all attractive to new generation.
@imran4006
2 күн бұрын
I think FD must also be treated as Long Term Capital Gain and taxed accordingly because afterall FD is also Capital Appreciation 😵💫😵💫
@religionofpeace782
Күн бұрын
@@imran4006FD is not capital appreciation. It is capital erosion when indexed with inflation. So its a debt instrument and cannot be treated as equity taxation.
@AnindyaPaul-fo6zp
15 сағат бұрын
@@religionofpeace782 no need to treat as capital gain which is technically not possible.. But there is way to give tax benefit like earlier there was for 5 years FD.
@souravmukherjee2619
2 күн бұрын
Madam Lata let your guest speak hold your horses
@jscagomes1409
2 күн бұрын
she never lets others speak..
@Wbuffbuff
2 күн бұрын
There is SLR,statutory liquidity ratio at abt 18%,CRR 4.5%,wondering how much more can banks set aside,with so much technology investments. When people are paying high EMIs and inflation is high ,their investible surplus is reduced
@roypynadath5820
Күн бұрын
Actually inflation and inflation figures figures declaring by government is not at all matching. While putting your hard earned money in FD s after paying applicable taxes value is getting eroded because of high inflation and tax on deposits .
@imran4006
Күн бұрын
Banking Cartel through RBI are suppressing NBFCs 😵💫😵💫
@santoshsivaramkrish
Күн бұрын
Good Example is Uni PayCheck Application
@shanmugampn4571
Күн бұрын
Senior citizens are bedrock of Bank FDs and they are poorly treated by staff at the counter. Top management do nothing to improve despite knowing the problem. Honor is more important when you're senior.
@mandarp9472
Күн бұрын
Very high housing prices have eroded savings of people and have forced people looking for high yield assets.
@mandarp9472
Күн бұрын
Majority of Indian savings, investment are locked in real estate assets. Government should bring in policies to reduce housing prices.
@prashanthp747
2 күн бұрын
Please keep 12% intrest rate for very senior citizen 80 years above
@vishalbhadre178
Күн бұрын
😂😂😂
@mandarp9472
Күн бұрын
Government should waive off interest from fixed deposits till 10 lakhs.
@Wbuffbuff
2 күн бұрын
Many banks have become cautious with lending to marginal customers after RBI increased risk weights and this coupled with increase in FD rates with a lag impacted NIMs..
@KBThangavel
2 күн бұрын
Nirmoolanamics
@imran4006
Күн бұрын
Banks are receiving Capital through Mutual Funds also since many Mutual Funds have Banking Stocks in the Basket 😵💫😵💫
@TheCuriousCurator-Hindi
Күн бұрын
Because they sell insurance products to people having deposits.
@vjagadiswar6983
Күн бұрын
Mobilising CASA is easier said than done. Given the attractive avenues available for the Savers, it's natural to attract the Savers into Fixed deposits rather than losing their funds flow. This reflects more of a systemic and structural change that the Indian Economy presents.
@kalidasmondal7439
20 сағат бұрын
Solution is " take 9% and give 9% also" - Harvard University Professor Dr. Subhramanyan Swamy
@nagraj2k1
2 күн бұрын
Why doesn’t she let Ram Mohan speak
@jatilta
Күн бұрын
Well with bank NIM at cyclical highs, they will still cry for regulatory intervention instead of passing on the hikes of 2022 fully.
@prashanthp747
2 күн бұрын
F d interest rates
@yennapallyvamshireddy3590
Күн бұрын
Money can go to FDIs, foreign funds, direct foreign stock investment, transfer of money to students or trips etc, can convert to black money by realters etc.
@narasimhaprabhu8487
17 сағат бұрын
Post tax return on FD is 4.8% which is below inflation 😢
@mathewsjohn4361
Күн бұрын
When Latha is on screen, viewers enjoy the questions rather than the replies given by the experts. Happy Onam.
@SR0604
36 минут бұрын
DFS must consider long term fixed deposits in line with LTCG and taxation must be at par.
@abhay626
2 күн бұрын
Very nice discussion
@arullawrence3124
5 сағат бұрын
Probe should conducted on investments of lic
@AryanGupta-pd9ue
Күн бұрын
Govt want to finance the super rich and finish the middle class at a artificial ridiculous low rate of interest. Gold giving twice return than Fd.
@viswanathanseshadri1047
20 сағат бұрын
High Taxes eroding the actual interest in hand. Inflation eroding the base.
@gvvskm2024
18 сағат бұрын
1. Higher taxes. 2. More expenses, No savings. 3. Health issues. 4. No Better interest on FD 5. No best plans in banks. 6. -ve returns, inflation at SA.
@santoshsivaramkrish
Күн бұрын
She Holds R B i on Top of Her Head!, R B i is Not Any GOD!,
@ravishankarreddy1591
11 сағат бұрын
For people in max income bracket FD is the worst investment option
@ManojYadav-nt2rm
Күн бұрын
none of the panel member discussin that its the govt tax the main reason .tax like rich coutries service like third world countries
@jaishrimahatma9643
Күн бұрын
MODANI LOOT TAX
@deb5946
Күн бұрын
Let the bank face some music ..as they always play safe and rest of the bussiness world face all risks...7.5 % fd for 30 % tax slab is foolish investment...so creamy layer is moving
@hemantsingh8055
11 сағат бұрын
fiis has sold 3.2 lakhcrore money in last 2 years and thats the reason deposits are gettting affected
@professorpradipkumarghosh316
Күн бұрын
Do not consider the people to be fools. People are punished with penalty if the savings bank balance reaches below a level, in some cases, even if the person has fixed deposit in the bank. Banks took the short cut of lending to NBFCs, who make money out of the same money, which banks could not deploy profitably. Why should a retail borrower go to NBFCs for housing loan or auto loan, when theoretically banks could provide the same loan at a lower rate to the retail borrowers. Inflation is not down, and the inflation faced by the customers is higher than the official inflation rate. The huge haircut being taken by the banks in proceedings under Insolvency and bankruptcy code is not going unnoticed. The insurance protection on bank deposits is very low. And no one is discussing all these issues.
@seasonwithspices1291
Күн бұрын
Given the stock market valuations at 1.5x GDP, market bubble will burst and the novice investors of last 4 years will learn what balanced portfolio between Fixed Income and Equities look like. India leads the Derivatives market of the world with 80% of global markets volume and value. Imagine a bubble that bursts will reverse the deposit crisis trend. 😂
@arpitagarwal7315
Күн бұрын
Banks will continue to face such shortage and the problem will get more severe than ever before. The reason is the rate of involuntary unemployment, under employment and the hidden unemployment. Money is moving towards the share market and not getting back. The basic concept of saving Accounts has changed. This UPI payment system has changed the savings pattern. New financial devices are very much fancy but long term results will be more worse than ever.
@KMWhity
10 сағат бұрын
Inflation at big cities is easily over 10 % while fixed deposit interest is at 7 % and post tax on interest, you get negative return for your investment. 😂
@svtha1988
6 сағат бұрын
These banks are reducing interest rates like developed countries. UK government gives pensions to ppl above 60. We dont have a pension system now. Only Senior citizens were depositing money in these banks for interest. They entirely depend on the interest amount. Earlier, it used to be around 10-12 % now its around 6-7 %. What's the point of depositing money in the bank.?!?! Nation without pension or interest 😅. Everyone is now aware of investments and mutual funds. I mean the Gen z wants to invest in mutual funds 😅. Also, with more rules by these banks, like having a minimum deposit amount and charges for all the services like sms updation, account maintenance etc etc. How can u expect ppl to deposit cash in the bank. Now Bank accounts are used to hold only energency funds.
@santhoshtallapalli4004
18 сағат бұрын
FD rates are very low .. they increased very little misleading title..
@rohitgautam6693
Күн бұрын
Just why anyone would keep money in bank accounts is not that hard to understand
@periramana8556
Күн бұрын
Remove it and let people deposit money without any limits
@joshvallavanthara2022
Күн бұрын
Ask corporate tycoon's to repay their debts
@mahi98goodguy
Күн бұрын
With platforms like wintwealth where bonds entry ticket is ₹100 and xirr is minimum 10.5% for senior secured bonds with 14 months lock in with monthly payouts who would deposit in to fd??
@chandrasekhar-B
Күн бұрын
How difficult it is for the bankers and the finance ministry to understand that the current tax system doesn't make it conducive for anyone to keep money in the bank. You keep money in your account, you get taxed for the marginal interest it generates. You keep it in FD, you pay tax on the interest. You earn more, you pay tax. You spend more, you pay tax. Why should anyone keep the money in the bank?
@nikhilshah3936
Күн бұрын
Inverted interest curve, low rate for long term is cause of low deposit also high tax rate , similar to equity 1 lakh interest income should be exempted
@naytonfernandes2991
Күн бұрын
We have to co-operate with the government...... please deposit in banks.... We have to think about our country.....Sab ka saat sab ka vikas.... Please corporate.....
@gopalakrishnant.v8869
9 сағат бұрын
Both RBI and the Govt are responsible for taking away bank deposits . The fiscal policy gives nothing to attract bank deposits due to very high , inflation , exorbitant increase in COST OF LIVING , presence of black money , corruption and other crimes involving savings of public funds attracting perhaps private savings , corrupt practices all around due to laxity in Governance , high taxes including inflationary pressures on account of GST with ingredients of greed without having any impact on public good etc.Monetary policy seems to be very accommodative but beyond the limits affecting growth of the economy perhaps . The Asset price increases seen in real estate , gold and other commodities definitely attracts depositors money and banks except a very few do not attract deposit customers in terms of their service . Except perhaps senior citizens and salaried class , and very small segment of people go for bank deposits . Present situation calls for a special survey to identify the deposit class and how other segments get attracted by savings of HNIs and moneyed people .
@naytonfernandes2991
Күн бұрын
Apne aur apne family ke bare mei mat socho....Desh ka socho.....Aapne aapne paise bank mei jama Karo..... Invest Kiya tho aap ka Bala hoga lekin bank mei jama Kiya tho Desh ka bhala hoga ....
@sachinrv1
Күн бұрын
What about loan repayments which comes back to banks
@hemantsingh8055
11 сағат бұрын
latha what i feel is mutual funds are buying who is selling?? fiis are selling and dey are taking there dollar back and hence impacting the deposits of banks...i wonder why none of dese so called vertarans mentioned dis??? if indian retaisl are selling and mfs are buiying or even someoneo is dissolving fds or buying mutual fund the money willl remain in the system only the bank will change.....the main loss is when fiis sells and mutual funds buy den indian bank deposits are impacted!!! so pathetic even latha ventakesth has failed to recognise dis simple thing
@adaniak9518
Күн бұрын
They must increase the FD rate, mutual funds are giving more than the FD rate, Banks are just Agent but they are greedy and looting their Customers
@viki19910
Күн бұрын
No need to increase just stop taxing even before maturity
@adaniak9518
Күн бұрын
@@viki19910 NRE tax free
@arullawrence3124
5 сағат бұрын
Bunch of 😂 defending unstoppable
@ManojYadav-nt2rm
Күн бұрын
british raj kind of tax policies by the govt is the main reason.people do fd after teh money is taxed in that also govt is taxing shame on govt not letting common man to make money.
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