Auto-Sweep Account kya hain. Jyada Byaaz kaise prapt kare.

Bachat pe jyada Byaaz
Aapke bachat khate mein padi rashi par kitna byaaz milta hain? mushkil se 4 se 6 percent. Aksar bachat khate mein lambe samay tak rashi yun hi padi rahti hain aur aap 4 se 6 percent interest se santusht rahte hain, Lekin agar aap chahe to iss khate mein pade paise par thoda adhik byaz le sakte hain. Yeh Sambhav hain Auto-Sweep facility ke jariye, jise Flexi  Deposit scheme kaha jata hain.

Aapko bata de jahan Saving Account par lagbhag 4% se 6% par byaaj milta hain. Vahi Fixed Deposit par 8 percent Interest milta hain. Is Tarah se agar aap iss pranali ka istemal karte hain to apne Saving Account se hi FD ka fayda le sakte hain. 

Auto-Sweep Account kya hain. (What is Auto Sweep Account)

Auto sweep facility Saving Account aur Fix Deposit ka mixture hain. Sidhe roop se kahe to ismein saving account mein pada Extra paisa apne aap Fix Deposit (FD) mein badal jata hain , aur jab paise ki jaroorat hoti hain, uss FD ka paisa apne aap phir se  Bachat khate mein aa jata hain. 

Aise kaam karta process :-

Iss suvidha ka labh lene ke liye aapko apne bank ko 3 baatein batani hogi. 

1- Vah adhiktam rashi , jo aapke bachat khate mein rahegi. Jise threshold Limit kahte hain.

2- Vah Rashi jitne ki FD banegi.

3- Vah Avadhi jitne samay ke liye FD banani hain.

Yeh nirdharit hone ke baad baki kaam bank ka computer karega. Jaise ki aapke bachat khate ki rashi Threshold Limit aur FD ki rashi se upar jati hain, apne aap FD ban jayegi. Yeh FD utne dino ke liye banati hain, jitni avadhi ka nirdharan aap pahle hi kar chuke hain.
Ise Aise Samjhe :-

Aapne apne bachat khate mein Threshold Limit 10 hazaar rupaye, FD 5 hazaar Rupaye aur avadhi 6 mahine ki tay ki hain. Suppose kijiye aapke bachat khate mein 12 hazar Rupaye hain. Yeh rashi Threshold Limit se adhik hain, Lekin isme koi FD nahi banegi, Kyonki aapne 5 Hazar rupaye ki FD tay ki hain. Yani FD ke liye aapke khate mein Kam se kam 15000 rupaye chahiye. 

Maan lijiye Is khate mein Salary ke roop mein 17 hazar rupaye jama hote hain. Ab aapke khate mein ho jayenge 29 Hazar rupaye, Aur Auto Sweep Facility lagoo ho jayegi. Aisi situation mein aapke naam 5-5 hazar ki teen FD aur bachat khate mein shesh rashi rahegi 14 hazar (29000-15000 = 14000)

Apne aap tod lega bank :-

Ab maan lijiye aapne ATM Se 3 hazar rupaye nikaal liye. Bachat khate mein 11000 rupaye rah gye. Phir aapne kisi ko 1500 Rupees ka Cheque  likh diya, jise bhunane par bachat khate mein rashi ho gyi, 9500 Rupay. Jo aapki Threshold Limit 10 Hazar se kam hain. Isliye Bank aapki ek FD apne aap tod lega. Is prakar aapke bachat khate mein rashi ho jayegi, 14500 rupaye aur FD ki sankhya 2 reh jayegi. 

AB yadi aapko kanhi se 500 Rupaye ka Cheque milta hain to usay jama karne ke baad aapke bachat khate mein rashi ho jayegi 15000 rupaye. yani ki threshold Limit se 5 hazar rupaye jyada. Aise mein phir se aapke naam ek FD badh jayegi. Ab aapke paas 3 FD ho jayegi aur bachat khate mein rashi bachegi 10000 Rupaye. 



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