Top 10 investment options - Best Saving Plan in India

Top 10 investment options - Best Saving Plan in India

Here is the list of the most popular savings schemes and other parameters:

National Savings Scheme.

National Savings Certificate.

Public Provident Fund.

Post Office Savings Scheme.

Senior Citizens Savings Scheme.

Kisan Vikas Patra.

Sukanya Samriddhi Yojana.

and more...

Best Government Saving Schemes in India :

National Pension System (NPS)

Kisan Vikas Patra

Endowment Plans.

Money Back Plans.

Unit Linked Insurance Plans (ULIPs)

Sukanya Samriddhi Yojana (SSY)

Atal Pension Yojana

Employee Provident Fund (EPF)

Fixed Deposit Schemes for saving :

When you will comes to investments your money, fixed deposits are a preferred option as it offers guaranteed returns.

So, here we have compiled the FD interest rates by various banks that operate in the country.

All about FD Interest Rates

Fixed Deposit Interest Rates by Top Banks in India

The interest rates (p.a) offered by top banks for the FD duration of 7 days to 10 years.

Name of Bank       General Citizens     Senior Citizens

State Bank of India       5.00% to 6.80%  5.50% to 7.30%

ICICI Bank                   4.00% to 7.10%  4.50% to 7.60%

HDFC Bank                  3.50% to 7.30%  4.00% to 7.80%

Punjab National Bank    5.00% to 6.75%  5.50% to 7.25%

Canara Bank                  5.00% to 6.50%  5.50% to 7.00%

Axis Bank                      3.50% to 7.20%  3.50% to 7.85%

Kotak Mahindra Bank    3.50% to 6.90%  4.00% to 7.40%

Bank of Baroda              4.50% to 6.60%  5.00% to 7.10%

IDFC Bank                    4.00% to 8.50%  4.50% to 9.00%

Bank of India                 5.00% to 6.50%  5.50% to 7.00%

Note: The interest rates shown in the table are for deposits less than Rs.2 crore as of 31 August 2019.

Highlights of Top Bank FD Rates:

The interest rates(p.a) offered by top banks for the FD duration between 7 days and 10 years.

The highest interest is offered by IDFC Bank compaire to all the banks. It given offers interest of 8.50% to general citizens and 9.00% to senior citizens.

Following FD Rates Offered by Other Banks Operating in India 

Name of the Bank  General Citizens (p.a.)            Senior Citizens (p.a.)

Indian Overseas Bank             4.50% to 6.80%                       5.00% to 7.30%

Bandhan Bank                         3.50% to 7.65%                       4.25% to 8.40%

RBL Bank                               5.00% to 7.75%                    5.50% to 8.25%

DBS Bank                               4.00% to 7.25%                    4.00% to 7.25%

Andhra Bank                           4.00% to 6.80%                       4.50% to 7.30%

HSBC Bank                             3.00% to 6.00%                       3.50% to 6.50%

Syndicate Bank                       4.75% to 6.70%                       5.25% to 7.20%

Duetsche Bank                        6.50% to 8.00%                       7.00% to 8.00%

Corporation Bank                    5.00% to 6.90%                     5.50% to 7.40%

Yes Bank                                  5.00% to 7.25%                     5.50% to 7.75%

IndusInd Bank                         3.75% to 7.50%                       4.25% to 8.00%

UCO Bank                                4.50% to 6.50%                       4.75% to 6.90%

United Bank of India               4.00% to 6.50%                       4.50% to 7.00%

Union Bank of India                5.00% to 6.75%                       5.00% to 6.75%

Allahabad Bank                       5.00% to 6.70%                       5.00% to 6.70%

Central Bank of India              4.50% to 6.60%                       4.50% to 6.60%

Indian Bank                             4.50% to 6.90%                       5.00% to 7.40%

Banks which offer high interest on Tax Saver FDs

Tax Saver FDs are those under which you can get a tax exemption of up to Rs.1.5 lakh under Section80C of the Income Tax Act, 1961. The tenure of a tax saving FD is 5 years. Listed in the table below are the banks which offer good interest rates to both general and senior citizens FD.

Name of the Bank           General Citizens (p.a.)   Sn. Citizens (p.a.)

State Bank of India                      6.50%                    7.00%

ICICI Bank                                  7.00%                    7.50%

HDFC Bank                                 7.25%                    7.75%

Axis Bank                                    6.75%                    7.25%

Bank of Baroda                            6.45%                    6.95%

IDFC Bank                                   7.75%                    8.25%

Central Bank of India                   6.45%                    -----

Punjab National Bank                   6.50%                    7.00%

IDBI Bank                                     6.85%                    7.35%

Corporation Bank                          6.50%                    7.00%

Syndicate Bank                             6.50%                    7.00%

Note: The interest rates mentioned in the table are for deposits below Rs.2 crore as 31 August 2019.

Post Office Saving Schemes

Following all types of Post Office Savings schemes:

1.National Savings Recurring Deposit Account

2.National Savings Time Deposit Account

3.National Savings Monthly Income Account

4.Senior Citizens Savings Scheme Account?

5.Public Provident Fund Account

6.National Savings Certificates (VIII Issue)

7.Kisan Vikas Patra Account

8.Sukanya Samriddhi Account

Details of Post office Saving schemes:

1.Post Office Savings Account.

The Interest payable by this scheme is 4.0% per annum on individual / joint accounts.

The minimum Amount for opening of account and maximum balance that can be retained INR 20/- for opening.

Minimum balance to be maintained in a non-Cheque facility account is INR 50/-Cheque facility available if an account is opened with INR 500/- and for this purpose minimum balance of INR 500/-.

2.National Savings Recurring Deposit Account

This saving is 5-Year Post Office Recurring Deposit Account (RD).Interest payable, Rates, Periodicity from 01.07.2019, interest rates are 7.2 % per annum (quarterly compounded) and on maturity INR 10/- account fetches INR 725.05 .it can be continued for another 5 years on year to year basis.

Minimum Amount for opening of account and maximum balance that can be retained INR 10/- per month or any amount in multiples of INR 5/- and  No maximum limit.

3.National Savings Time Deposit Account

Post Office have national saving Time Deposit Account (TD) its gave  following Interest payable annually but calculated quarterly.       

Interest rates From 01.07.2019

Period            Rate

1yr.A/c          6.9%

2yr.A/c          6.9%

3yr.A/c          6.9?%

5yr.A/c          7.7 %

The minimum amount taken INR 100/- for opening of account and no maximum balance limit.

4.National Savings Monthly Income Account

Post Office giving to Monthly Income Scheme Account (MIS) it have 7.6 % Interest payable, from 01.07.2019, per annum payable monthly.

Minimum Amount In multiples of INR 100/- for opening of account and maximum is INR 4.5 lakh balance that can be retained. An individual can invest maximum INR 4.5 lakh in MIS (including his share in joint accounts)

5.Senior Citizen Savings Scheme (SCSS)

This SCSS scheame for Senior Citizen it have 8.6 % Interest payable per annum, from 01.07.2019 , this amount can deposit of 31st March/30th Sept/31st December in the first instance & thereafter, interest shall be payable on 31st March, 30th June, 30th Sept and 31st December.

Minimum Amount INR.1000/- for opening of account and maximum  not exceeding INR 15 lakh balance that can be retained.

6.Public Provident Fund Account

This scheame for 15 year Public Provident Fund Account (PPF )its gave 7.9 % Interest payable, per annum from 01.07.2019,

Minimum INR. 500/- Maximum INR. 1,50,000/- in a financial year.Deposits can be made in lump-sum or in 12 installments.

7.National Savings Certificates (NSC)

This Scheme National Savings Certificates (NSC) for 5 Years National Savings Certificate (VIII Issue) from 01.07.2019, interest rates are 7.9 % compounded annually but payable at maturity.

INR 100/- grows to INR 146.25after 5 years

The Minimum amount taken Rs. 100/- for opening of account and maximum balance multiples of Rs. 100/- No Maximum Limit. That can be retained.

8.Kisan Vikas Patra (KVP )

KVP Interest payable from 01.07.2019, interest rates are 7.6 % compounded annually amount Invested doubles in 113 months (9 years & 5 months).

The Minimum Amount is Rs. 1000/- for opening of account and in multiples of Rs. 1000/- No Maximum Limit.

9.Sukanya Samriddhi Accounts

The Sukanya Samriddhi Accounts interest payable 8.4 % per Annum (with effect from 01-07-2019 ),calculated on yearly basis ,Yearly compounded.This scheme for girls child only.   

The Minimum Amount is take INR. 250/- for opening of account and Maximum INR. 1,50,000/- that can be retained.

Top Fashion Brands ! Fashion brands in USA

Top fashion brands in the world.

Here we have given "Top fashion Brands in the world ,2019"

Louis Vuitton

Louis Vuitton Malletier, name as Louis Vuitton or shortened to LV, is a French fashion house and big luxury retail company. This company founded in 1854 by Louis Vuitton.

The company label's LV monogram appears on most of its products, ranging from luxury trunks and leather goods.The have more products likes  ready to wear, shoes, sunglasses ,watches, jewelry, accessories and books.

Its Website- www.louisvuitton.com, you can visit this site for more detail.

Following list all over world founded there products:

In Americas

1.USA

2.Brasil

3.Canada (Français)

4.Canada (English)

And other countries  International (English)

Fashion Nova

The Nova Fashion is online brand for Women & Men.Fashion Nova have shop top  shoes, bodysuits, sexy club dresses, jeans,skirts & more.There are cheap & affordable in your bughet fashion.

Its website - https://www.fashionnova.com

Gucci

Gucci is an Italian luxury brand of fashion world it have a leather goods.

Gucci was founded by Guccio in Florence, Tuscany; in 1921.Gucci have latest designer fashion & accessories for women now. You can browse the latest collections, explore the campaigns and discover clothing and accessories online.

The World Fashion Gucci Official Website is https://www.gucci.com

Hermes

Hermes fashion is a French luxury collections of Hermes specializes in leather goods manufacturer, established in 1837. All the collections of Hermes specializes in leather, home furnishings, perfumery, Lifestyle accessories, jewellery, scarves and ties, belts, watches and ready to wear. It has headquarters‎ in ‎Paris‎, France. Gucci Official Website is https://www.hermes.com/us/en

Cartier

Cartier fashion is a French luxury goods specialize in designs, Manufactures, distributes, and sells jewellery and watches. It founded by Louis-Francois Cartier in Paris in 1847, The Company remained under family control until 1964.

The World Fashion Gucci Official Website is - www.cartier.com.

Rolex Fashion

Rolex Fashion is a Swiss luxury watch manufacturer based in Geneva, Switzerland. Rolex watch was founder by Hans Wilsdorf and Alfred Davis in London, England in 1905.The Company registered the brand name of its watches in 1908 and became Rolex Watch Co. Ltd.

Rolex is world famous watch for its performance and reliability.

Rolex is a luxury watches you go on the Official Rolex Website Rolex.com.

CHANEL fashion

CHANEL fashion is the latest Fashion in the Eyewear,  Makeup, Fragrance, and Fine Jewellery, Skincare & Watches.

Chanel is a French company owned by Alain Wertheimer and Gerard, Wertheimer, grandsons of Pierre Wertheimer. CHANEL fragrances have the high-quality colognes and perfumes presenting the pinnacle of luxury and refinement. It’s Official Website: https://www.chanel.com.

Burberry

Burberry is a British luxury fashion house in Basingstoke,London, England ,in 1856. Its main fashion house focuses on trench coats,Clothing; Accessories; ‎Perfumes, ready to wear,outerwear, fashion accessories, fragrances, sunglasses, and cosmetics.Its official site is Burberry.com .

DIOR

Dior is a French luxury goods company controlled and chaired by French businessman Bernard Arnault. Its founder is Christian Dior in 1946.LVMH is the world's largest luxury group.

DIOR official website is dior.com. DIOR is discovering Christian Dior fashion, fragrances and accessories for Women and Men luxurious makeup, perfume and skin care products to help.

Givenchy

Givenchy is a French Fashion company for luxury fashion and perfume house for collections by Givenchy for women, men & kids. It company have the brand of haute couture clothing, accessories and Perfumes Givenchy, perfumes and cosmetics. It was founded in 1952 by designer Hubert de Givenchy in Paris, France.

ALEXANDER McQUEEN

Lee Alexander McQueen was a British fashion designer and couturier, it ready-to-wear & accessories, including the iconic Oversized Sneaker & Box, Bag Free & Easy Returns. Luxury British Fashion. This company worked as chief designer at Givenchy from 1996 to 2001.The Alexander McQueen fashion house have discover designer clothing and accessories for men and women.

Its official site -www.alexandermcqueen.com

FASHIONPHILE

Fashionphile is an online fashion resale website. This website consumers can buy and sell women’s luxury designer used handbags, accessories and jewellery.

This site founder is Sarah Davis.It has brick and mortar locations in Beverly Hills, San Francisco, New York City and Carlsbad, California.

This site consumers can BUY, SELL and CONSIGN used designer handbags and other accessories online with fashionphile.com.

"Mobile Diseases" - Why is mobile radiation harmful

Your Smartphone is giving you hi-tech/modern diseases.Here we discuss the 5 Harmful diseases that can cause from your mobile.Harmful diseases that can cause from your mobile.

Mobile phone se hone wali bimari.

Why is mobile radiation harmful ?

You can’t believe but it is true.Your lovely Smartphone is giving you some new diseases like cancer, diabetes, heart diseases and other diseases linked to your lifestyle are also growing up very fast because of our bad habits. We can get relief from these diseases by bringing change in our daily lifestyle.

There are some new and harmful diseases caused by your mobile are below:

1.   Text Neck

According to specialist of backbone, when you see post and scroll on your Smartphone on that time you inclined your neck and head because of this neck have so much pressure. If your neck is in this position for long time your neck can get swelling and irritation in muscles and when you are being in this position that is called text neck. According to researchers, because of this behaviour one bone below the head will be emerging and this is a very big problem.

         

2.   Gaming Disorder

World Health Organization (WHO) has accepted that a mental can cause by playing out more online games. People who are victim of gaming disorder give their more time on video gaming than their work. In this disease patient cannot sleep and also ignore the social life. People who play game over 10% of them are suffering from gaming disorder.

3.   Smartphone Thumb

According to one survey, 43%people who operate Smartphone have complaint that they have pain in their thumb. While using Smartphone when we swap and type we use our thumb, fingers and hand. So, when we use our thumb this and more we could found diseases in our fingers, wrist and elbow pain and also tightness in hands.

4.   Selfietice

If you have a habit for posting selfie in Social Media. So, it means that you have a serious disease name of Selfietice. Natigum Trent University researchers found this disease that which person have upset for uploading selfie post it have to be lack in confidence. If you have up0load minimum six selfie post in a day on Social Media. So, you are the victim of Selfietice disease.

5.   Nomophobia

In the year 2018 ‘Nomophobia’ word entered in Cambriz dictionary this word was receive the year of the word. This disease can cause that person who did not use mobile for long time like 2 and 3 hours. According to survey of UGOV, 53% people did not use our mobile phone are totally upset. And when this disease reaches pick point that person can also have a panic attack. You can check online details of this Nomophobia Disease.

You mobile phones working through BTS its using radio frequency (RF) radiation. If RF radiation is high, it has a ‘thermal’ effect, its means it raises body temperature. The low levels of RF radiation emitted by mobile phones could cause of health disease of brain such as headaches, like cancer, Alzheier.s disease, parkinson.s disease or brain tumours.

In May 2011, the World Health Organization (WHO) classified RF Radio Frequency radiation as ‘possibly carcinogenic for humans, based on an increased risk for glioma that mobile phones are damaging to ours health in the short or long term.

.

Precautions to reduce mobile phone radiation:

Mobile phones aren’t harmful, but long-term use can increase risks and consequences are yet to be clarified. If you want reduce the mobile phone to RF radiation. You could follow these instructions

1.You should choosing a mobile phone model that has a low specific absorption rate (SAR) because it refer to the amount of RF radiation absorbed by body tissues.

2. Using a landline phone for calling if one is available.

3. Using your mobile phone calls short as so possible .

4. Using a hands-free kit.

5. Do not carrying your mobile phone close to your body if  it is switched on condition.

6. being wary of claims that protective devices or ‘shields’ can reduce your exposure to RF radiation.

Disease of mobile phone on human health:

Now a days, mobile phones are being used everywhere because these devices can use without physical cable/wire. This is demanded for the communications and transfer and receiving data purposes in the air. These mobile phone gave off a harmful radiations which effects to the human health. And also penetrate in the body and they affect the cell structure and the DNA.

There different types of radiations are being used for connecting the mobile phone devices the frequency mostly ranges from 3 kHz to 300 GHz.

We have to be safe from these types of harmful diseases by bringing change in our daily lifestyle.  "Mobile Diseases" - Why is mobile radiation harmful .

Thank you for visiting our site and if you want more information on these harmful diseases please comment below in the comment box. And again Thank You.