jis raashi ko bachaane mein saksham hai vah jeevan ke jeevan aur praathamikataon par nirbhar karata hai. kisee ke jeevan mein bachat aur nivesh kee aadat vikasit karana achchha hota hai.
jab koee vyakti ko bachaane aur nivesh karane ke lie pratibaddh hota hai, to phand kee maatra utana mahatvapoorn nahin hai jitana ki bachaane ke iraade aur kisee ke bhavishy ke lie jimmedaar hona hai. jis raashi ko bachaane mein saksham hai vah jeevan ke jeevan aur praathamikataon par nirbhar karata hai. kisee ke jeevan mein bachat aur nivesh kee aadat vikasit karana achchha hota hai. isake saath hee, na keval bachat ke vichaar ke lie upayog kiya jaata hai balki vah apane bhavishy ke lie bachat aur yojana ke aavashyak anushaasan ko bhee vikasit karata hai. kvaantam ya raashi jo sahejane mein saksham hai vah hamesha bhinn ho sakatee hai, lekin aise tareeke hain jinamen koee vyakti 500 rupaye prati maah ke saath nivesh karana shuroo kar sakata hai. nivesh ke kuchh vikalp jo laabh utha sakate hain ve hain:
1) bainkon ke saath aavartee jama
bainkon ke saath aavartee jama ko ek surakshit nivesh maana jaata hai aur roodhivaadee niveshakon ke lie chhotee maasik bachat ke saath upayukt hai. niveshak ek varsh kee avadhi ke saath adhikatam 10 varshon tak kam se kam 100 rupaye prati maah ke saath shuroo kar sakate hain. vaapasee bainkon ke saath badalatee hai aur vartamaan mein 6% aur 7% ke beech hai. haalaanki vaapasee kee gaarantee hai, yah kar katautee ke uddeshy ke lie upalabdh nahin hai. byaaj aay vyakti ke laagoo kar slaib ke anusaar kar dee jaatee hai aur 10,000 rupaye se adhik ke byaaj mein 10 pratishat kee teedeees katautee aakarshit hotee hai.
2) 5-varsheey daakaghar aavartee jama (aaradee)
post ophis aaradee chhote aur jokhim vaale niveshakon ke lie ek aakarshak nivesh vikalp hai jo kuchh varshon ke nivesh ke baad niyamit roop se ekamusht raashi kee aavashyakata ke lie niyamit roop se bachat karana chaahate hain. daakaghar aaradee shuroo kiya ja sakata hai ek saal, do saal, teen saal aur paanch saal kee paripakvata. haalaanki, keval 5 varsh kee saavadhi jama aayakar adhiniyam kee dhaara 80 see ke laabh ke lie arhata praapt karatee hai. aaradee mein jama poorv nirdhaarit antaraal par kiya jaana chaahie, jo jama yojana ke niyamon aur sharton ke aadhaar par maasik, traimaasik ho sakata hai. ise kam se kam 10 rupaye prati maah ya 5 rupaye ke gunakon mein se kisee bhee raashi ke saath khola ja sakata hai. pratyek maah nivesh karane kee raashi par koee ooparee seema nahin hai. haalaanki yah nishchit avadhi kee paripakvata hai, lekin isakee paripakvata tithi se pahale ise band kar diya ja sakata hai. khaate kholane ke ek saal baad niveshakon ko khaate kee shesh raashi ka 50% tak vaapasee kee anumati hai. vartamaan mein yah saalaana 6.9 pratishat kee byaaj dar pradaan karata hai, jo traimaasik roop se ekatrit hota hai. daakaghar aaradee khaate mein 10 rupaye kee jama raashi paripakvata par 717.43 rupaye praapt karatee hai. daakaghar 5 saal kee aaradee bhee dhaara 80 see ke tahat 150,000 rupaye tak kar chhoot ke tahat aata hai. taiks slaib ke anusaar kar ke lie byaaj prabhaarit hai aur prati varsh 10,000 rupaye se adhik kee byaaj teedeees @ 10% par laagoo hotee hai.
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