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 . ...