Fixed Deposit नहीं, अब यहां कर रहे हैं लोग निवेश? | Goodreturns - video Dailymotion

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Fixed Deposit नहीं, अब यहां कर रहे हैं लोग निवेश?    #fd #fixeddeposit #reporate #rbi #interestrate #fixerddepositinterestrate #monetarypolicy  Also Read  YES Bank Shares Down Over 14% in 10 Sessions, Stock Slips Today; RBI’s Extension of CEO Prashant Kumar Tenure :: https://www.goodreturns.in/news/yes-bank-shares-down-over-14-in-10-sessions-stock-slips-today-rbi-s-extension-of-ceo-prashant-kum-1435563.html?ref=DMDesc  HDFC Bank Cuts Lending Rates After RBI Rate Cut, Check Latest Loan Rates In June 2025 :: https://www.goodreturns.in/personal-finance/hdfc-bank-cuts-lending-rates-after-rbi-repo-rate-cut-check-latest-loan-rates-in-june-2025-1435051.html?ref=DMDesc  Why Banks Secretly Love When You Break Your Fixed Deposits (FDs)? :: https://www.goodreturns.in/personal-finance/investment/why-banks-secretly-love-when-you-break-your-fixed-deposits-fds-1434531.html?ref=DMDesc    ~HT.318~PR.384~

Transcript

00:00There was a report that told us that people who are in our country are taking a little bit of interest in our country.

00:08You will remember that when we get a little bit of money in our house,

00:12we used to make a little bit of money in our country.

00:16And I think saving is such a thing that we are growing up.

00:19If you don't get money, then you get a little bit of money from your kitchen.

00:24By default, this is our saving DNA for Indians.

00:28But now, the risk of saving is reduced.

00:32People are also reducing.

00:34And this is the FD that in 2020,

00:37I know that the data says that in 2020,

00:42there are 45.77% of the FD that is creating.

00:47But in 2020, this was 50% of the FD.

00:52So, what do you think about this?

00:54What is the reason that the interest of the people's shift is reduced or reduced?

01:00When we talk about fixed deposits, I want to tell you that fixed deposits was a very attractive instrument for our generation.

01:10Where the FDs have 9-10% of returns.

01:14In fact, I remember that my mother's time, FDs have doubled in 5 or 4 years.

01:20But because today we have been in a blind interest rate scenario,

01:24where the rate cuts are going,

01:27so as a result of FDs' returns,

01:31if you have indexed from inflation,

01:35the return will be 0% or 1%.

01:38Through social media and so much of awareness,

01:40investors have come to understand that FDs' money is full,

01:44then it will not grow in tax-efficient.

01:48And the other thing is that India's capital markets,

01:51which is very strong and very strong.

01:54And with the strength of an investor,

01:57who is a bank or fixed instruments,

02:00they are investing in capital markets,

02:03where they get more understanding,

02:05they get more of the money,

02:07they can only analyze their day-to-day basis,

02:11and at the same time,

02:13they can also become tax-efficient tax-efficient.

02:17In these things,

02:19we are seeing that the capital markets,

02:22the FDs' capital markets,

02:23has become more of the FDs.

02:25And as a result of which,

02:26a lot of money moves into FDs.

02:28It moves into FDs' capital markets.

02:30Yeah, exactly.

02:31Yeah, exactly.

02:32You are right.

02:33My second question is that

02:34it is in mutual funds.

02:35FDs' capital markets.

02:36In FDs' capital markets,

02:37has increased participation in FDs.

02:38In 2021,

02:39there were only 10 crore portfolios,

02:40but in today's date,

02:41we have more of 23 crore portfolios.

02:43So,

02:44we can say that

02:46the return is the prime reason

02:48because of the reason

02:49that people leave FDs' capital markets

02:50and have more risk-efficient

02:52in the stock market

02:53and in the mutual fund.

02:54Or,

02:55in this way,

02:56our scenario changed.

02:57This is the kind of

02:58our situation.

02:59This is the kind of

03:00our situation.

03:01This is the kind of

03:02our situation.

03:03People are paying attention to money.

03:04They are not saving.

03:05They are not saving.

03:06They are not saving.

03:07That's a behavior shift.

03:08This is a very, very genuine point.

03:10That one of the macroeconomic parameters

03:12change is the same.

03:13You are going to a developed zone

03:15to develop.

03:16Like if a surplus comes,

03:18you will have money

03:19to get into it.

03:21The same behavior shift

03:22is going to get into it.

03:30Even the four and six countries

03:32will be pretty recurring.

03:34If you will get in America,

03:35the other thing

03:36is becoming more expensive.

03:37The other thing is,

03:38if you will buy an account,

03:40the future of the firm

03:42is going to become more expensive.

03:43The most okay.

03:44So, in that case, it is possible that when the money is going to shift from FD to FD,

04:13of time.

04:14That is the reason that the money is moving from FD to FD, mutual fund, stocks, AIF, this

04:20is all market-dependent investment tools, and you can see that in these tools, investors

04:26are moving from FD to FD to FD, mutual fund, stocks, AIF, this is all market-dependent investment

04:38tools.

04:39And you can see that in these tools, investors are getting out of the money, enjoying it,

04:47and at the same time, their goals, for example, child's education, child's marriage, retirement

04:55corpus generation, emergency corpus, vacation planning, all these things, they are getting

05:02out of the way.

05:03So, I think this would be safe to say that in FD, people in the present time have a little

05:09interest on them.

05:10But it's not that they have been closed for investment.

05:12They are taking a lot of return, taking a lot of risk and diversifying their portfolio

05:17in different avenues.

05:18Where we were buying a bond, or FD, or going to post office, people were running RDs.

05:24But now, they have more financial education and awareness.

05:28And plus, they have to spend their lives on their own lives.

05:31So, it's not a bad scenario.

05:35We don't need much to do so much.

05:37Thank you so much Siddhartha.

05:39Thank you so much, Praveti.

05:40The pleasure is all mine.

05:41Thank you so much, Praveti.

05:42The pleasure is all mine.

05:43Thank you so much, Praveti.

05:44The pleasure is all mine.

05:45Thank you so much, Praveti.

05:46Thank you so much, Praveti.

05:47The pleasure is all mine.

05:48Thank you so much, Praveti.

05:49Thank you so much, Praveti.

05:50Thank you so much, Praveti.

05:51The pleasure is all mine.

05:53So, this is Siddhartha.

05:54How will the role of fund managers change?

05:55How will the role of fund managers change?

05:56All of these things are all about the role of fund managers.

05:58So, we will continue to do so much.

05:59We will continue to do so much.

06:00Thank you so much, Praveti.

06:01Thank you so much, Praveti.

06:02The pleasure is all mine.

06:03Thank you so much, Praveti.

06:04The pleasure is all mine.

06:06So, this was Siddhartha.

06:07We have discussed the BlackRock Mutual Fund, which is coming to Aladdin launch.

06:11After which scenario will change?

06:13How will investors profit?

06:14How will fund managers change?

06:15How will the role of fund managers change?

06:20All these things are all about.

06:23And yesterday, we had a news that was floating around.

06:26That FDs has reduced interest in FDs.

06:29But understand this.

06:31In our parents and parents, they didn't have so much knowledge.

06:36They didn't have so much knowledge about where to invest.

06:39But now, the youth who is in the hands of the money,

06:42is becoming a little more complicated.

06:45It's a lot of relief.

06:47It's a lot of return.

06:48It's a lot of risk appetite.

06:50That's why we shift the FDs a little bit.

06:55And we can't say that the FDs will end up.

06:59No, it's not.

07:00But there is a little behavior shift.

07:03This is all about this.

07:05And you can see the business world's stories.

07:08Good returns.

07:09Good returns.

Fixed Deposit नहीं, अब यहां कर रहे हैं लोग निवेश? | Goodreturns

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