एफडी या कॉर्पोरेट एफडी कराने से पहले ये याद रखे ये 7 बातें

[{"selector":"#anim-e43526ca-78ab-4660-b42d-f4cf3bdbaf8e","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2700684e-e485-4801-a52e-7b0775684fa3","keyframes":{"transform":["translate3d(0px, 127.80626%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] Image Credit: pinterest by Roopali Sharma | OCT 29 , 2025

कोर्पोरेट एफडी फिक्स्ड डिपोजिट है इसमें इन्वेस्टमेंट करने से पहले इन 8 बातों का ध्यान रखना चाहिए:

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यह एक फिक्स्ड डिपोजिट है जो बैंक के बजाय किसी कंपनी या नोन-बैंकिंग फाइनेंशियल कंपनी में किया जाता है

[{"selector":"#anim-3143750c-d57c-4843-84d8-5bb45918f1e2","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0126dacb-c12a-4769-9cec-4ca19b75221f","keyframes":{"transform":["translate3d(0px, 138.05374%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-549eecc9-15ae-4aec-ae53-cc5932cbb7b2","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a296845e-89c0-40ff-a929-349a26a7d2a8","keyframes":{"transform":["translate3d(0px, 153.47870%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-debaf34a-9e8b-4161-8dbc-e780bdaa51a6 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-1.0302869668521453e-13%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Image Credit: pinterest

उन कंपनियों की एफडी चुनें, जिनकी क्रेडिट रेटिंग A+ हो, कम रेटिंग का मतलब ज्यादा रिस्क है

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केवल ज्यादा रेटिंग के भरोसे न रहें, कंपनी के रिकोर्ड चेक करें, रेप्युटेबल कंपनी भरोसेमंद होती है

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इसमें बैंक एफडी की तुलना में ज़्यादा जोखिम होता है, अगर जोखिम नहीं लेना है तो यह सही ओप्शन नहीं है

[{"selector":"#anim-25fcb2ef-40c3-4b6c-b271-6a8be1c5570a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c8fa0745-753d-4df7-ae85-3cdccc56ca01","keyframes":{"transform":["translate3d(0px, 136.38888%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e11f3da9-ff71-4182-a3e7-03a342d4676f","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d9f7e131-bc05-429c-9497-f7d92d8d8cca","keyframes":{"transform":["translate3d(0px, 159.08616%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a26f4bdf-24ba-4791-8699-cf12a1cf645b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-31.542968638003448%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

कंपनियों के इंटरेस्ट रेट और पेमेंट फ्रीक्वेंसी कम्पेयर करें, ज्यादा इंटरेस्ट रेट रिस्की होता हैं

[{"selector":"#anim-752d3027-5caa-42f7-b781-0050afdf4769","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d76be5a-283b-4d64-9903-a4d4c0a1e7ac","keyframes":{"transform":["translate3d(0px, 144.78631%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b091cbf7-7859-466a-a9cb-cee2d4b975bf","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-27c832e5-8d66-4ec9-9274-a6bafd435324","keyframes":{"transform":["translate3d(0px, 174.02785%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-744c977f-07e8-4c9d-a754-3bec2547f769 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(21.874999829338595%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

फाइनेंसियल जरुरत से इन्वेस्टमेंट टर्म चुनें, रूल को समझ लें, क्योंकि कोर्पोरेट एफडी तरल नहीं होते हैं

[{"selector":"#anim-4fc313c7-89e3-46df-987e-b552246ab86b","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-51bfbbaf-7fe2-455e-bb68-a771716aa3c3","keyframes":{"transform":["translate3d(0px, 146.20810%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-c831d267-6404-4277-b503-28777c867cf5","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-eed6e2dc-6db1-4d81-b3cc-ba7cb1fd2817","keyframes":{"transform":["translate3d(0px, 172.77786%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4767db12-ad02-4b3d-aa1d-e42defa55f7d [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(8.92068589203667%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] Image Credit: pinterest

कोर्पोरेट एफडी पर मिलने वाले इंटरेस्ट पर इनकम टैक्स लगता है और साथ ही टीडीएस कटता है

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सभी पैसे कोर्पोरेट एफडी में न लगाएं, रिस्क कम करने के लिए पोर्टफोलियो को कंपनियों और निवेश साधनों में बांटें

[{"selector":"#anim-3379db19-00ed-4038-9c96-e2b6ff7d012a","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d53fe363-d2a6-4f89-9b07-cc2cc7852bd2","keyframes":{"transform":["translate3d(0px, 138.05374%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f950dbb2-4728-4249-a2bc-faba945bf5f3","keyframes":{"opacity":[0,1]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-52b6b123-5ac4-457a-b9e1-1c0644d579a5","keyframes":{"transform":["translate3d(0px, 155.34784%, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":2000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2895194e-8202-4ee7-b3f7-dee2e69b6d5f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(-4.227729277772596e-13%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] Image Credit: pinterest

ध्यान दें एफडी पर नोमिनेशन की सर्विस मिले, ताकि दुर्घटना में परिवार के लिए क्लेम प्रोसेस हो सके

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वेडिंग साड़ियों का आईडिया दे रही है ये बॉलीवुड सेलिब्रिटीज Find out More

एफडी या कॉर्पोरेट एफडी कराने से पहले ये याद रखे ये 7 बातें

कोर्पोरेट एफडी फिक्स्ड डिपोजिट है इसमें इन्वेस्टमेंट करने से पहले इन 8 बातों का ध्यान रखना चाहिए:

यह एक फिक्स्ड डिपोजिट है जो बैंक के बजाय किसी कंपनी या नोन-बैंकिंग फाइनेंशियल कंपनी में किया जाता है

कोर्पोरेट एफडी

उन कंपनियों की एफडी चुनें, जिनकी क्रेडिट रेटिंग A+ हो, कम रेटिंग का मतलब ज्यादा रिस्क है

क्रेडिट रेटिंग

केवल ज्यादा रेटिंग के भरोसे न रहें, कंपनी के रिकोर्ड चेक करें, रेप्युटेबल कंपनी भरोसेमंद होती है

कंपनी का हिस्ट्री

इसमें बैंक एफडी की तुलना में ज़्यादा जोखिम होता है, अगर जोखिम नहीं लेना है तो यह सही ओप्शन नहीं है

रिस्क सहने की क्षमता

कंपनियों के इंटरेस्ट रेट और पेमेंट फ्रीक्वेंसी कम्पेयर करें, ज्यादा इंटरेस्ट रेट रिस्की होता हैं

इंटरेस्ट रेट और पेमेंट फ्रीक्वेंसी

फाइनेंसियल जरुरत से इन्वेस्टमेंट टर्म चुनें, रूल को समझ लें, क्योंकि कोर्पोरेट एफडी तरल नहीं होते हैं

इन्वेस्टमेंट टर्म

कोर्पोरेट एफडी पर मिलने वाले इंटरेस्ट पर इनकम टैक्स लगता है और साथ ही टीडीएस कटता है

टैक्स इम्प्लीकेशन

सभी पैसे कोर्पोरेट एफडी में न लगाएं, रिस्क कम करने के लिए पोर्टफोलियो को कंपनियों और निवेश साधनों में बांटें

डायवर्सिफिकेशन

ध्यान दें एफडी पर नोमिनेशन की सर्विस मिले, ताकि दुर्घटना में परिवार के लिए क्लेम प्रोसेस हो सके

नोमिनेशन फैसिलिटी