Deposits Top Savings & Fixed Deposit Schemes High Interest Best FD & RD Plans

 Canara Crest ek premium banking program hai jo ki apne customers ko kuchh vishesh benefits aur suvidhaen pradan karta hai. Is program ke tahat, customers ko nimnalikhit benefits milte hain: - Priority service lounges mein entry - Bespoke cards - Airport lounge access - Dining rewards - Exclusive hotel stays - Unlimited fitness memberships Is program mein do tiers hain: - Crest: Agar aapka quarterly average balance Rs. 10 lakhs se Rs. 50 lakhs ke beech hai, toh aap is tier ke liye eligible hain. - Crest Plus: Agar aapka quarterly average balance Rs. 50 lakhs se zyada hai, toh aap is tier ke liye eligible hain. Is program ke saath, aapko ek seamless digital onboarding process aur curated perks milte hain jo ki aapke banking aur lifestyle experience ko aur bhi behtar banate hain. *Canara Crest Eligibility Criteria* Kya aap Canara Crest ke liye eligible hain? *Jaaniye yeh aasan eligibility criteria:* - *Account Type:* Savings Account - *Account Age:* Kam se kam 1 saal purana - *Umra:*...

  Wealth Management Services Definition: Wealth Management ek customized financial service hai jo high-net-worth individuals (HNIs) ke liye design ki gayi hai. Iska main aim hota hai client ke paiso ka sahi tarike se management karna , unki financial goals ko achieve karna, aur risk ko minimize karna. Yeh ek holistic approach hoti hai jo investment planning, tax saving, estate planning, aur risk management ko include karti hai. Wealth Management ke Main   Components: Investment Planning: Wealth manager aapka paisa stocks, bonds, mutual funds aur other financial instruments me invest karta hai taaki aapke assets grow karen. Example: Agar aapke paas ₹1 crore hai, aur aap uska 50% equity aur 50% debt me invest karna chahte hain, to wealth manager aapke liye customized portfolio design karega. Tax Planning: Aapko legally tax save karne me madad karta hai, jaise tax-saving mutual funds ya retirement schemes me invest karke. Example: Agar aapki salary ₹50 lak...

  Allowances Allowances are financial benefits provided by employers to  their employees to cover specific expenses, such as house rent,  travel, or medical expenses. These allowances can either be  fully taxable, partially exempt, or fully exempt under the  Income Tax Act, 1961." Common examples of allowances: • HRA (House Rent Allowance): Partially exempt under Section 10(13A). • Travel Allowance (TA): Exempt up to certain limits for official duties. • Medical Allowance: Taxable unless reimbursed for actual expenses. • Lunch, cleaning etc. Can be greater than, equal to or less than the expanse. Calculation   For concessional Rate of Interest Loan Type Existing ROI Benchmark Rate as on 01/04/2024 Rate for perquisite valuation% Total Perquisite Value Tax on Perquisit e 30% of Perks Tax on Perquisite 20% of Perks Housing Loan 6.00 9.15 3.15 218478.75 65543.63 43695.75 Per Month 5461.97 3641.31 or Interest free Loan Loan Type Existing ROI Benchma...

  CORPORATE BANKING (कॉर्पोरेट बैंकिंग) Definition: Jab bank badi companies, industries, MNCs (Multi-National Corporations) aur business entities ko banking services deta hai, to ise Corporate Banking kaha jata hai. Corporate Banking ke Pramukh Prakar (Types of Corporate Banking Services) Working Capital Finance (कार्यशील पूंजी वित्त) Companies ko daily business operations ke liye short-term loan diya jata hai. Example: Reliance ya Tata jaise bade business ko short-term loan milna . Term Loans (लंबी अवधि के ऋण) Factories, machines, buildings, aur naye projects ke liye long-term loans diye jate hain. Example: Tata Motors ko naye car plant ke liye ₹500 crore ka loan . Trade Finance (व्यापार वित्त) Export-import business ke liye Letter of Credit (LC) aur Bank Guarantees jaisi suvidhaye di jati hain. Example: Samsung India ko China se raw material import karne ke liye LC milna . Treasury & Cash Management (निधि और नकदी प्रबंधन) Compani...

  NON-FINANCIAL PRODUCTS (गैर-वित्तीय बैंकिंग उत्पाद) Definition: Jab bank customers ko financial services ke alawa kuch extra suvidhaye deta hai, jinme insurance, mutual funds, demat services shamil hote hain, to ise Non-Financial Banking Products kaha jata hai. Non-Financial Products ke Pramukh Prakar (Types of Non-Financial Products) Insurance Services (बीमा सेवाएं) Bank Life Insurance, Health Insurance, Motor Insurance bechta hai. Example: SBI Life Insurance, HDFC Ergo Health Insurance . Mutual Funds (म्यूचुअल फंड्स) Customers bank ke madhyam se Mutual Funds me invest kar sakte hain . Example: SBI Bluechip Fund, ICICI Prudential Fund . Demat & Trading Services (डीमैट और ट्रेडिंग सेवाएं) Customers shares ya stocks me invest karne ke liye Demat & Trading Account khol sakte hain. Example: HDFC Securities, Kotak Securities . Credit Score Checking (क्रेडिट स्कोर जांच सेवा) Banks customers ka CIBIL score check karne ki suvidha d...

  GOVERNMENT BUSINESS PRODUCTS (सरकारी बैंकिंग उत्पाद) Definition: Jab bank sarkari yojnaon, pension payments, tax collection, government bonds jaise kaam karta hai, to ise Government Business Products kaha jata hai. Government Business Products ke Pramukh Prakar (Types of Government Business Products) Tax Collection Services (कर संग्रह सेवाएं) Bank Income Tax, GST, Property Tax jaise sarkari taxes collect karta hai. Example: SBI ya HDFC ke through online income tax payment Government Scheams  Pension Payment Services (पेंशन भुगतान सेवाएं) Sarkari karmachariyon aur senior citizens ko pension ka payment bank ke madhyam se hota hai . Example: EPFO pension, NPS pension payment . Public Provident Fund (PPF - लोक भविष्य निधि खाता) Long-term savings scheme jo tax-free interest aur retirement savings ke liye hoti hai. Example: 5-year PPF account jisme 7.1% tax-free interest milta hai . Sukanya Samriddhi Yojana (SSY - सुकन्या समृद्धि योजना) ...

  GENERAL PRODUCTS (सामान्य बैंकिंग उत्पाद) Definition: Bank ke wo basic financial products aur services , jo aam logon ke daily banking needs ko pura karte hain, unhe General Banking Products kaha jata hai. General Banking Products ke Pramukh Prakar (Types of General Banking Products) Savings Account (बचत खाता) Customers apna paisa safe rakh sakte hain aur uspe interest bhi milta hai. Example: SBI, HDFC, ICICI ka normal savings account . Current Account (चालू खाता) Business owners ke liye zyada transactions aur no withdrawal limit ka account. Example: Shopkeepers ya companies ka business account . Fixed Deposit (एफडी - सावधि जमा खाता) Ek nishchit samay ke liye paisa bank me rakhna aur uspe higher interest kamaana. Example: ₹1 lakh FD karne par 7% interest per year . Recurring Deposit (आरडी - आवर्ती जमा खाता) Har mahine ek fixed amount deposit karne ka plan, jo savings habit badhata hai . Example: ₹500 per month RD for 5 years . ...

  CONSULTANCY SERVICES (परामर्श सेवाएं) Definition: Jab bank ya financial institution apne customers ko financial planning, investment, tax saving, business growth jaise vishayon par expert advice (सलाह) deta hai, to ise Consultancy Services kehte hain. Consultancy Services ke Pramukh Prakar (Types of Consultancy Services) Project Finance Consultancy (परियोजना वित्त परामर्श) Companies ko naye business project ke liye funds arrange karne ki advice di jati hai. Investment Advisory (निवेश परामर्श) Mutual funds, stocks, fixed deposits, bonds me kaise aur kaha invest karein yeh bataya jata hai. Tax Planning Consultancy (कर योजना परामर्श) Customers ko income tax, GST, corporate tax bachane ke tarike bataye jate hain. Risk Management Consultancy (जोखिम प्रबंधन परामर्श) Business aur personal finance me loss se kaise bacha jaye , yeh guidance di jati hai. Export-Import Consultancy (निर्यात-आयात परामर्श) International trade aur foreign exchange ...

  9. CREDIT CARDS (क्रेडिट कार्ड) Definition: Jab bank ek plastic card (credit card) ke madhyam se customer ko udhaar (loan) par shopping karne ki suvidha deta hai, to ise Credit Card kehte hain. Credit Card kaise kaam karta hai? Bank ek limit (₹50,000, ₹1,00,000, etc.) tak kharch karne ki anumati deta hai. Customer shopping karta hai aur bill ka payment 30-50 din ke andar karta hai. Agar payment due date tak nahi kiya , to interest (byaaj) lagta hai . Credit Card ke Pramukh Prakar (Types of Credit Cards) Basic Credit Card – Normal customers ke liye. Premium Credit Card – High-income customers ke liye (extra benefits jaise lounge access, cashback, etc.). Business Credit Card – Business-related transactions ke liye. Student Credit Card – College students ke liye, jisme kam limit aur no credit history required hoti hai. Cashback Credit Card – Jisme shopping par cashback milta hai. Travel Credit Card – Flights aur hotels booking par specia...

8. FOREIGN EXCHANGE (विदेशी मुद्रा  लेन-देन) Definition: Jab kisi desh ki mudra (currency) ko kisi doosre desh ki mudra me exchange kiya jata hai, to ise Foreign Exchange (Forex) ya विदेशी मुद्रा विनिमय kehte hain. Foreign Exchange ke Pramukh Components (मुख्य घटक) Foreign Currency Exchange (मुद्रा विनिमय) – ₹ (Rupee) ko USD ($), Euro (€), Pound (£) jaise foreign currencies me convert karna. Forex Trading (फॉरेक्स ट्रेडिंग) – Mudraon ki buying aur selling karke munafa kamaana. Remittance (विप्रेषण सेवा) – Bharat me paisa bhejna ya videsh se paisa mangwana . (Western Union, SWIFT, Wire Transfer) Export & Import Payments (निर्यात एवं आयात भुगतान) – Jab Indian companies goods ya services export-import karti hain, to payment foreign exchange me hoti hai. Travel Forex Card (यात्रा फॉरेक्स कार्ड) – Foreign travel ke liye prepaid forex card jisme foreign currency load hoti hai. Nostro & Vostro Accounts – Bank jo foreign banks ke saath accounts mai...

  7. DIGITAL PRODUCTS (डिजिटल बैंकिंग उत्पाद) Definition: Jab bank apne customers ko online banking, mobile banking, debit/credit card, UPI, net banking jaise services deta hai, to ise Digital Products kehte hain. Pramukh Digital Banking Products (मुख्य डिजिटल बैंकिंग उत्पाद) Internet Banking (नेट बैंकिंग) – Ghar baithe money transfer, bill payment, account check karne ki facility. Mobile Banking (मोबाइल बैंकिंग) – Bank ki app se mobile par hi transactions karna. UPI (Unified Payments Interface) – भीम UPI, Google Pay, PhonePe, Paytm Instant money transfer mobile number ya QR code ke madhyam se. Debit Card (डेबिट कार्ड) – Bank account se directly paisa katega, ATM se paisa nikal sakenge. Credit Card (क्रेडिट कार्ड) – Udhaar par shopping aur baad me EMI ya bill payment. IMPS (Immediate Payment Service) – 24x7 instant money transfer jo seconds me hota hai. NEFT (National Electronic Funds Transfer) – 1-2 ghante me dusre bank me paisa bhejne ki ...

  6. EMPLOYEE ADVANCES (कर्मचारी अग्रिम भुगतान/ऋण) Definition: Jab bank apne khud ke employees ko loan ya salary advance deta hai, to ise Employee Advances kehte hain. Types of Employee Advances (कर्मचारी ऋण के प्रकार) Festival Advance (त्योहार अग्रिम) – Employees ko Diwali, Holi jaise tyohar par salary se advance paisa diya jata hai. Personal Loan for Staff (कर्मचारी व्यक्तिगत ऋण) – Employees apni zaroorat ke liye low-interest loan le sakte hain. Housing Loan for Staff (कर्मचारी गृह ऋण) – Bank apne staff ko discounted interest rate par home loan deta hai. Vehicle Loan for Staff (वाहन ऋण) – Staff ko car/bike kharidne ke liye special loan diya jata hai. Education Loan for Staff & Their Children (कर्मचारियों व उनके बच्चों के लिए शिक्षा ऋण) – Bank staff ke bachchon ke education ke liye subsidized loan deta hai. Employee Advances ka Mahatva (Importance) ✔ Bank employees ki financial stability badhti hai . ✔ Karmachariyon ka motivation aur job sa...

  5. GOVERNMENT SPONSORED SCHEMES (सरकार द्वारा चलाई जाने वाली योजनाएं) Definition: Jab sarkar kisi vishesh varg ke logon (jaise gareeb, mahila, kisan, yuvak, SC/ST, MSME) ko financial support dene ke liye koi scheme chalati hai, to ise Government Sponsored Scheme kehte hain. In schemes ke under loan ya subsidy mil sakti hai. Pramukh Government Sponsored Schemes (मुख्य सरकारी योजनाएं) PMMY - Pradhan Mantri Mudra Yojana (प्रधानमंत्री मुद्रा योजना) Chhote business aur startups ke liye ₹50,000 - ₹10 lakh tak loan . Types: Shishu (₹50k tak), Kishore (₹5 lakh tak), Tarun (₹10 lakh tak). PMEGP - Prime Minister’s Employment Generation Programme (प्रधानमंत्री रोजगार सृजन कार्यक्रम) Self-employment aur MSME setup ke liye . 15-35% subsidy milti hai . Stand-Up India SC/ST aur mahila entrepreneurs ko ₹10 lakh - ₹1 crore tak loan . KCC - Kisan Credit Card Kisano ke liye asaan aur sasta loan. ₹3 lakh tak ka loan, sirf 4% byaaj par . DAY-NULM - ...

  4. MSME LOAN (सूक्ष्म, लघु और मध्यम उद्यम ऋण) Definition: Jab bank chhoti (Micro), madhyam (Small) aur madhyam-se-badi (Medium) industries ko business shuru karne ya expand karne ke liye loan deta hai, to ise MSME Loan kehte hain. MSME Loan ke Prakaar (Types of MSME Loans) Working Capital Loan (कार्यशील पूंजी ऋण) – Daily business expenses ke liye. Term Loan (मियादी ऋण) – Factory, machine ya naye setup ke liye. Mudra Loan (मुद्रा ऋण) – Chhoti business units jaise dukaan, startup ya self-employment ke liye. Stand-Up India Loan – Women entrepreneurs aur SC/ST business owners ke liye. Technology Upgradation Loan – Purani machines replace karne aur naye technology adopt karne ke liye. MSME Loan ka Mahatva (Importance of MSME Loans) ✔ Naye businesses shuru hote hain – Jo naye rozgaar create karte hain. ✔ India ki economy grow karti hai – MSME sector Bharat ka backbone hai. ✔ Self-employment badhta hai – Log apna khud ka business shuru kar sakte hain. ...

  3. AGRICULTURE LOAN (कृषि ऋण) Definition: Jab bank kisano ko kheti, beej, khad, traktor, ya irrigation ke liye paisa udhaar deta hai, to ise Agriculture Loan kehte hain. Agriculture Loan ke Prakaar (Types of Agriculture Loans) Crop Loan (फसल ऋण) – Beej, khad, pesticide aur kheti ke anya kharche ke liye. Tractor Loan (ट्रैक्टर ऋण) – Tractor ya agriculture machine lene ke liye. Irrigation Loan (सिंचाई ऋण) – Tubewell, pump ya pani ke sadhan ke liye. Dairy Loan (डेयरी ऋण) – Gai-bhains kharidne aur dairy business shuru karne ke liye. Horticulture Loan (बागवानी ऋण) – Falon aur sabzion ki kheti ke liye. Agriculture Loan ka Mahatva (Importance of Agriculture Loans) ✔ Kisano ki madad hoti hai – Unke paas kheti ke liye paisa hota hai. ✔ Zyada utpaadan hota hai – Naye tools aur technology se kheti behtar hoti hai. ✔ Desh ki economy sudhar ti hai – Bharat ek krishi pradhan desh hai, isliye yeh loan economy ke liye zaroori hai. Example: Real-Life Agriculture Loa...