Banking Products and Services - I: Deposits

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ColeSonnZanlam in Zogam.com Facebook group ah Unaupa Suanmang Naulak in Saving toh kisai hong gelh leh i lunglut uh abang sim a, ban ah, apoimoh sakna toh a thei ut om zeuhzeuh ahihna toh a simple theipen in kon gelh zuauzuau mawk di awle:

Deposits:

Types of Deposits -
1. Saving Account (SB): Hiai ahih leh eilawi in i theihdan ua Bank Account i chihchih uh ahi. Bank chih ah hiai product om vek ahi. Nikum tan in SB ah Interest khah 4% (per annum) bank teng in pia (na SB account balance Rs.1 lakh val ahih leh a valna zahzah ah bank ten interest tamzaw le hon pethei uh). Tukum bullam apan RBI in SB account interest a deregulate ziak in 7% pia bang le bank khenkhat om hi. Interest ahih leh Daily Average Balance a ki-calculate ahi a, kumkhat a nihvei (atangpi in February leh August first week in) bank in na account ah hon napelut zel dan ahi. Hiai pen ATM facility (ATM/Debit Card), Cheque Book leh Internet Banking toh ki-link ahi

2. Current Account (CA): Current account ah interest omlou himhim, business enterprise tuamtuam (proprietor, partnership, trust, company, etc) te adia kibawl ahi.  Business bawl bang na hih a, niteng a sum deposit hiam, sum withdraw hiam tamveipi hih gige na hih leh Current Account na hong ngai ding . Current Account ah le product tuamtuam om zel. Average balance a tam leh service charges/fee tuamtuam ets. RTGS/ NEFT / Demand Draft / Cheque Book, etc te discount bang a avail theih or absolutely free a muh theih ahi. Hichibang charges/fee te discount/free  a muhtheihna ziak ahihleh bank ten na sum interest hon pe hetlou a apoimohna ua ana zattheih ziak uh ahi.

banks-colesonn3. Fixed Deposit (FB): Hiai ahih leh SB account banglou tak in a hunbi nei deposit ahi. A interest leng sang zaw a ut hunhun a mawk draw khiak theih louh: Certificate dan a om ahih ziak SB dan a ATM khawng a poimoh hunhun draw khiak theihlouh ahi. A hunbi (term / tenure) ahih leh a tawmpen ni 7 apan kum 10 kikal hi deuh taangpi. 7-days deposit, 30-days, 90-days, 6-months, 1-years, 1000-days, 3-years, 5-years, 10-years chidan in bank te dihdan in om a, interest le kibang louvek a, bank ten a mau fund requirements leh RBI te rate policy dungzui a interest rate revise chetchet uhi. Tulel a 1-year FD a interest 9.5% chihlak vel ahi tangpi. Etsakna: Rs.20,000 a Kumkhat adi FD account 9% interest per annum adin va hong inla, kha guk nung a sum poimoh guih a nava laak kik leh na muh di chuh Principal +6months interest minus penalty (varies between 0.50% to 1%).  Arrear la bang a hih keileh sum lom muhna bang na neih leh FD a koih pahpah a lawk mahmah ding hi.

3. Auto Sweep (SB+FD kigawm): Tulai a kithang mahmah khat ahi. A mawlpen a gen in SB toh FD Account khat a gawmkhawm ahimai. Hiai A/c honna din bank ten minimun deposit tamdeuh a ngiat uh (between Rs.10,000 to Rs.15,000) . Etsakna:.Minimun deposit RS.10,000 ngiat bank khat ah Auto Sweep Acount khat vahong inla, Rs.45,100 va deposit ngal lechin Rs.10,000 pen na SB ac a omdi (earning interest 4% ahih keileh huai bank te SB interest rate zahzah), a balance Rs.35,100 pen FD (earning higher interest say, 7% to 9% khawng) a system in ana transfer chetchet di. Hiai product a hoihna ahih leh availability of liquidity: hiai Autosweep account a FD portion a na sum omte bang le na poimoh lehna ut hunhun a penalty piak se louh a withdraw theih ahi. A tung a Sl.No.2 a FD dan a certificate dan hilou, Saving A/c chi khat mah, ATM, internet banking toh le ki link khawm vek ahi. Atung a etsak na a Rs.10,000 na SB account a om pen sang a tamzaw na deih leh, etsakna din Rs.25,000 bang le withdraw thei. Huai kha system in aval Rs.10,000 pen SB a ana koih di’n aval lai Rs.10,100 pen FD a ana koih nawn geih did an ahi. Complex sim bang mahleh zat theih dia hoih leh simple mahmah khat bank te’n Personal Finance Manager a chih zozen uh ahi.

4. Recurring Deposit (RD): Product hoih mahmah, khateng a tam loulou instalment piak a deposit bawl theih na option khat ahi. A hunbi ahih leh FD toh kibang vel. Etsakna, khateng a Rs.1,000 instalment di’n RD account khat kum khat adi va hong lechin, khateng a Rs.1,000 deposit geihgeih a kumkhat a interest FD a muhzah muh di hilel (khum khat sung a kha tawplam a na deposit te a pat in interest a tawmzaw deuh di chih thu lel ahi). Instalment bang le ei buaipih ngailou, na SB ac toh link inla, khateng a na piak hun di a ni (date) bikhiah lechin, system in khateng a na SB a/c apan huai ni a ana deduct chetchet didan ahi. Eilawi adia saving avenue hoihpen a ka theih ahi. Instalment tamdeuh RD a/c khat sang a instalment tawmzaw deuh RD a/c nih-le-thum khawng hong thei le bang hoih diak didan ahi. Etsakna: RD a/c khat Rs.3,000 hong lechin, sum na poimoh phut le na close ngai di, interest full a mu manlou di. Huai sang in chu RD a/c Rs.1,000 tuamtuam thum bang hong hi lechin, sum na poimoh guihna omleh khat close a a dang nihte disturb kha vetlou di chin a, huai a/c tegel a interest a kim sipsip a mu din a hi.

Adang le om tham a, hiaiteng a taangpi a eilawi adia applicable ka sakte kon luikhiak ahi.

Happy Saving People!! :)

NB: Loan toh kisai ahih leh next chapter adin koih phot ni. Lungdam.

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