280 लाख करोड़ का सवाल है

280 लाख करोड़ का सवाल है .....

भारतीय गरीब है लेकिन भारत देश कभी गरीब नहीं रहा"* ये कहना है स्विस बैंक के डाइरेक्टर का. स्विस बैंक के डाइरेक्टर ने यह भी कहा है कि भारत का लगभग 280 लाख करोड़ रुपये (280 ,00 ,000 ,000 ,000) उनके स्विस बैंक में जमा है. ये रकम इतनी है कि भारत का आने वाले 30 सालों का बजट बिना टैक्स के बनाया जा सकता है.

या यूँ कहें कि 60 करोड़ रोजगार के अवसर दिए जा सकते है. या यूँ भी कह सकते है कि भारत के किसी भी गाँव से दिल्ली तक 4 लेन रोड बनाया जा सकता है. ऐसा भी कह सकते है कि 500 से ज्यादा सामाजिक प्रोजेक्ट पूर्ण किये जा सकते है. ये रकम इतनी ज्यादा है कि अगर हर भारतीय को 2000 रुपये हर महीने भी दिए जाये तो 60 साल तक ख़त्म ना हो. यानी भारत को किसी वर्ल्ड बैंक से लोन लेने कि कोई जरुरत
नहीं है. जरा सोचिये ... हमारे भ्रष्ट राजनेताओं और नोकरशाहों ने कैसे देश को लूटा है और ये लूट का सिलसिला अभी तक 2011 तक जारी है. इस सिलसिले को अब रोकना बहुत ज्यादा जरूरी हो गया है. 


अंग्रेजो ने हमारे भारत पर करीब 200 सालो तक राज करके करीब 1 लाख करोड़ रुपये लूटा. मगर आजादी के केवल 64 सालों में हमारे भ्रस्टाचार ने 280 लाख करोड़ लूटा है. एक तरफ 200 साल में 1 लाख करोड़ है और दूसरी तरफ केवल 64 सालों में 280 लाख करोड़ है. यानि हर साल लगभग 4.37 लाख करोड़, या हर महीने करीब 36 हजार करोड़ भारतीय मुद्रा स्विस बैंक में इन भ्रष्ट लोगों द्वारा जमा करवाई गई है. भारत को किसी वर्ल्ड बैंक के लोन की कोई दरकार नहीं है. सोचो की कितना पैसा हमारे भ्रष्ट राजनेताओं और उच्च अधिकारीयों ने ब्लाक करके रखा हुआ है. हमे भ्रस्ट राजनेताओं और भ्रष्ट अधिकारीयों के खिलाफ जाने का पूर्ण अधिकार है. हाल ही में हुवे घोटालों का आप सभी को पता ही है - CWG घोटाला, २ जी स्पेक्ट्रुम घोटाला , आदर्श होउसिंग घोटाला ... और ना जाने कौन कौन से घोटाले अभी उजागर होने वाले है ........


इसे पूरा भारत  पढ़े ... और एक आन्दोलन बन जाये ... सदियो की ठण्डी बुझी राख सुगबुगा उठी, मिट्टी सोने का ताज् पहन इठलाती है। दो राह, समय के रथ का घर्घर नाद सुनो,सिहासन खाली करो की जनता आती है। जनता? हां, मिट्टी की अबोध् मूर्ते वही, जाडे पाले की कसक सदा सहने वाली, जब् अन्ग अन्ग मे लगे सांप हो चूस् रहे है ...

Your saving account will now earn more

Withdrawing a big amount from the saving account even a few days before the month end, results in loss in interest the month. Now Greetings for saving account holders from RBI (Reserve Bank of India), who announced on this Friday that banks should start calculating interest on daily basis for saving accounts effective from 01st April'10.

The move will enable saving account holders in earning better interest rates since banks currently calculate interest on these accounts on the lowest available balance from 11th and the last date of a month.

Though, earlier banks had urged RBI to postpone the move. Indian Banks Association chairman MV Nair had said "We requested them to either reduce the savings rate or postpone the implementation. It will affect our margins and profit"

RBI said in a notification "We advise that payment of interest on savings accounts may be made by banks on a daily product basis with effect from April 1", which also asks banks to ensure a smooth transition and work out the modalities in this regard.

Now, one point need to be noted here that, currently interest rates on saving accounts are de-regulated, barring up to Rs 2 lakh. The RBI only administer interest rates on saving bank deposits up to Rs 2 lakh, and for the deposits above this amount, banks are free to give any interest rates.

Source
http://beta.profit.ndtv.com/news/show/now-savings-accounts-to-earn-interest-on-daily-basis-26569

Have you enabled Auto-Sweep?

Saving account is a special place for day to day transaction like ECS, salary, loan & credit card payments etc which keep money flowing bidirectional. It carries interest rate of 3% to 3.5%. The alternate way to gain higher interest rate has some schemes with some locking period, which are like PPF, NSC, LICs, bonds, Fix & recurring deposits and Mutual funds with market risks associated with it. Traditional fix deposits provide an interest rate of 6-7%.
But as major chunk of our money is kept in saving account attracting interest of only 3%, one can opt for a scheme which give benefit of Savings Account + Fix deposits, called Auto-sweep.

What is 'Auto Sweep'?
It is combination of saving & fixed deposit. It interlinks saving and deposit accounts.

How 'Auto Sweep' works?
A customer specifies the amount to be kept in the savings account or agrees to the minimum amount as decided by banks for auto sweep. An amount above this specified limit, called as threshold limit, is then automatically transferred to the customer’s fixed deposit account, which is attached to the savings account. Thus, the money does not remain idle in this arrangement and also earn a higher rate of return for the customer. Whenever the customer wants to withdraw money greater than what he/she has in the savings account, the excess is reverse-swept from his/her fixed deposit account. In this case, the customer earns interest as per the prevailing fixed deposit rates for that particular period. In simple words

1. You decide the maximum amount that you want in your account. This is also called the threshold limit.
2. The amount for which the FDs need to be created, is decided
   
3. The tenure of these FDs, is decided.
   

After this, technology takes care of everything!

An Example?
Let’s understand this with the help of an example.
Vishnu deposits Rs 30,000 in his ‘Auto Sweep’-enabled savings account on Jan. 1, 2008. The defined threshold limit for his ‘Auto Sweep’ account is Rs 10,000 while the minimum balance required by the bank is Rs 5,000. So, out of his total deposit, Rs 20,000 will go to the fixed deposit account which offers a higher rate of interest. (Presently, one-year deposits carry an interest rate of 8 per cent.) Vishnu withdraws Rs 15,000 on Jan. 1, 2009. Since he is already having Rs 10,000 in his savings account (assuming that he has not done any transaction in this period) and he has to maintain a minimum balance of Rs 5,000, he requires another Rs 10,000, which will be taken from his fixed deposit account. He earns 8 per cent on the deposit of Rs 10,000 (remaining amount in the fixed deposit account) unlike in normal savings account where he earns only 3.5 per cent. In case Vishnu withdraws all his deposits after a period, say, 5 months, he would be entitled to get the prevailing deposit rates for 5 months along with certain penalty (usually 1%), which in any case will be higher than 3.5 per cent, the current savings account rate.

Any Disadvantages?

• Amount must be transferred for a minimum period to avoid any penalty. E.g. If money stays at-least 3 months out of minimum period of 1 year, one may go for it.
• Some banks calculate simple interest in 'Auto sweep' unlike of cumulative interest on Fixed deposits.
  

So what is the conclusion?
With Auto Sweep facility, investors get the best of both worlds – they enjoy the liquidity of savings account and at the same time earn extra return from fixed deposit account. This is one of the best way to channelize and utilize one’s unused savings, especially meant for salaried people who often end up with some idle money in their savings accounts. So, if your savings accounts are still not activated for the auto sweep facility, ask your bank officials to enable it for the threshold limit as desired by you or to the bank’s minimum threshold limit.

Other sources?

• ICICI bank http://www.icicibank.com/pfsuser/temp/tcbank_rules_regu.htm