{"id":42132,"date":"2026-09-28T08:15:28","date_gmt":"2026-09-28T02:45:28","guid":{"rendered":"https:\/\/petrolnews.in\/live\/premature-fd-vs-loan-against-fd-%e0%a4%85%e0%a4%9a%e0%a4%be%e0%a4%a8%e0%a4%95-%e0%a4%aa%e0%a5%88%e0%a4%b8%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%80-%e0%a4%9c%e0%a4%b0%e0%a5%82%e0%a4%b0%e0%a4%a4-%e0%a4%ae\/"},"modified":"2026-09-28T08:15:28","modified_gmt":"2026-09-28T02:45:28","slug":"premature-fd-vs-loan-against-fd-%e0%a4%85%e0%a4%9a%e0%a4%be%e0%a4%a8%e0%a4%95-%e0%a4%aa%e0%a5%88%e0%a4%b8%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%80-%e0%a4%9c%e0%a4%b0%e0%a5%82%e0%a4%b0%e0%a4%a4-%e0%a4%ae","status":"publish","type":"post","link":"https:\/\/petrolnews.in\/live\/premature-fd-vs-loan-against-fd-%e0%a4%85%e0%a4%9a%e0%a4%be%e0%a4%a8%e0%a4%95-%e0%a4%aa%e0%a5%88%e0%a4%b8%e0%a5%8b%e0%a4%82-%e0%a4%95%e0%a5%80-%e0%a4%9c%e0%a4%b0%e0%a5%82%e0%a4%b0%e0%a4%a4-%e0%a4%ae\/","title":{"rendered":"Premature FD vs Loan Against FD: \u0905\u091a\u093e\u0928\u0915 \u092a\u0948\u0938\u094b\u0902 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u092e\u0947\u0902 FD \u0924\u094b\u0921\u093c\u0928\u093e \u0938\u0939\u0940 \u092f\u093e FD \u092a\u0930 \u0932\u094b\u0928 \u0932\u0947\u0928\u093e? \u0938\u092e\u091d\u093f\u090f \u092a\u0942\u0930\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0915\u0948\u0932\u0915\u0941\u0932\u0947\u0936\u0928"},"content":{"rendered":"<p><img decoding=\"async\" src=\"https:\/\/newsindialive.in\/public\/uploads\/news\/full\/1790563128_6c3199e377c82991ca10.jpg\" \/><\/p>\n<div>\n<p>\u091c\u0940\u0935\u0928 \u092e\u0947\u0902 \u0915\u0908 \u092c\u093e\u0930 \u0905\u091a\u093e\u0928\u0915 \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u093e\u0902 (Medical Emergency, \u0918\u0930 \u0915\u0940 \u0924\u0924\u094d\u0915\u093e\u0932 \u092e\u0930\u092e\u094d\u092e\u0924 \u092f\u093e \u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u0928\u0915\u0926\u0940 \u0938\u0902\u0915\u091f) \u0938\u093e\u092e\u0928\u0947 \u0906 \u091c\u093e\u0924\u0940 \u0939\u0948\u0902, \u091c\u092c \u0924\u0924\u094d\u0915\u093e\u0932 \u092a\u0948\u0938\u094b\u0902 \u0915\u093e \u092a\u094d\u0930\u092c\u0902\u0927 \u0915\u0930\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0910\u0938\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092e\u0927\u094d\u092f\u092e\u0935\u0930\u094d\u0917\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u093e \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u093e \u0927\u094d\u092f\u093e\u0928 \u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u091c\u092e\u093e <strong>\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0921\u093f\u092a\u0949\u091c\u093f\u091f (FD)<\/strong> \u0915\u0940 \u0913\u0930 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0909\u0938 \u0935\u0915\u094d\u0924 \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0905\u0938\u092e\u0902\u091c\u0938 \u092f\u0939 \u0939\u094b\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u094d\u092f\u093e \u092c\u0940\u091a \u092e\u0947\u0902 \u0939\u0940 \u090f\u092b\u0921\u0940 \u0915\u094b \u0924\u094b\u0921\u093c (Premature Withdrawal) \u0926\u093f\u092f\u093e \u091c\u093e\u090f, \u092f\u093e \u092b\u093f\u0930 \u0909\u0938\u0940 \u090f\u092b\u0921\u0940 \u0915\u094b \u0917\u093f\u0930\u0935\u0940 \u0930\u0916\u0915\u0930 \u0909\u0938 \u092a\u0930 \u092c\u0948\u0902\u0915 \u0938\u0947 \u0932\u094b\u0928 (Loan Against FD \/ Overdraft) \u0932\u0947 \u0932\u093f\u092f\u093e \u091c\u093e\u090f?<\/p>\n<p>\u0938\u0924\u0939\u0940 \u0924\u094c\u0930 \u092a\u0930 \u0926\u0947\u0916\u0928\u0947 \u092a\u0930 \u0932\u0917\u0924\u093e \u0939\u0948 \u0915\u093f \u0915\u0930\u094d\u091c \u0932\u0947\u0928\u0947 \u0938\u0947 \u0905\u091a\u094d\u091b\u093e \u0939\u0948 \u0915\u093f \u0905\u092a\u0928\u093e \u0939\u0940 \u092a\u0948\u0938\u093e \u0928\u093f\u0915\u093e\u0932 \u0932\u093f\u092f\u093e \u091c\u093e\u090f, \u0932\u0947\u0915\u093f\u0928 \u092c\u0948\u0902\u0915\u093f\u0902\u0917 \u0928\u093f\u092f\u092e\u094b\u0902 \u0914\u0930 \u091a\u0915\u094d\u0930\u0935\u0943\u0926\u094d\u0927\u093f \u092c\u094d\u092f\u093e\u091c \u0915\u0947 \u0917\u0923\u093f\u0924 \u0915\u0947 \u0932\u093f\u0939\u093e\u091c \u0938\u0947 \u092f\u0939 \u092b\u0948\u0938\u0932\u093e \u0939\u092e\u0947\u0936\u093e \u0938\u0939\u0940 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964 \u0926\u094b\u0928\u094b\u0902 \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u093e \u0905\u092a\u0928\u093e \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u0905\u0938\u0930 \u0939\u094b\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0947 \u0906\u0902\u0915\u0921\u093c\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u092e\u091d\u0928\u093e \u092c\u0947\u0939\u0926 \u091c\u0930\u0942\u0930\u0940 \u0939\u0948\u0964<\/p>\n<p>\u091c\u092c \u0906\u092a \u092e\u0948\u091a\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0915\u093f\u0938\u0940 \u090f\u092b\u0921\u0940 \u0915\u094b \u0924\u094b\u0921\u093c\u0924\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u094b \u0909\u0938 \u0926\u0930 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0928\u0939\u0940\u0902 \u0926\u0947\u0924\u093e \u091c\u093f\u0938 \u092a\u0930 \u090f\u092b\u0921\u0940 \u092c\u0941\u0915 \u0939\u0941\u0908 \u0925\u0940\u0964 \u092f\u0939\u093e\u0902 \u0928\u093f\u0935\u0947\u0936\u0915 \u0915\u094b \u0926\u094b\u0939\u0930\u0947 \u0928\u0941\u0915\u0938\u093e\u0928 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948:<\/p>\n<ul>\n<li>\n<p><strong>\u092a\u0947\u0928\u0932\u094d\u091f\u0940 \u0915\u094d\u0932\u0949\u091c (0.5% \u0938\u0947 1%):<\/strong> \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092c\u0948\u0902\u0915 (SBI, HDFC, ICICI, PNB) \u092a\u094d\u0930\u0940-\u092e\u0948\u091a\u094d\u092f\u094b\u0930 \u0935\u093f\u0921\u094d\u0930\u0949\u0932 \u092a\u0930 <strong>0.50% \u0938\u0947 1.00% \u0915\u0940 \u092a\u0947\u0928\u0932\u094d\u091f\u0940<\/strong> \u0915\u093e\u091f\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u0938\u092e\u092f \u0905\u0935\u0927\u093f \u0915\u093e \u0928\u093f\u092f\u092e (Card Rate Adjustment):<\/strong> \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u094b \u092e\u0942\u0932 \u0905\u0928\u0941\u092c\u0902\u0927 \u0935\u093e\u0932\u0940 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 \u0928\u0939\u0940\u0902 \u0926\u0947\u0924\u093e, \u092c\u0932\u094d\u0915\u093f \u091c\u093f\u0924\u0928\u0947 \u0938\u092e\u092f \u0924\u0915 \u0935\u0939 \u090f\u092b\u0921\u0940 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u0930\u0939\u0940 \u0939\u0948, \u0909\u0938 \u0905\u0935\u0927\u093f \u0915\u0947 \u0932\u093f\u090f \u0909\u0938 \u0938\u092e\u092f \u0932\u093e\u0917\u0942 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 (Card Rate) \u092e\u0947\u0902 \u0938\u0947 \u092a\u0947\u0928\u0932\u094d\u091f\u0940 \u0918\u091f\u093e\u0915\u0930 \u092c\u094d\u092f\u093e\u091c \u0915\u0940 \u0917\u0923\u0928\u093e \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ul>\n<h3>\u0909\u0926\u093e\u0939\u0930\u0923 \u0938\u0947 \u0938\u092e\u091d\u0947\u0902 \u0928\u0941\u0915\u0938\u093e\u0928:<\/h3>\n<p>\u092e\u093e\u0928 \u0932\u0940\u091c\u093f\u090f \u0906\u092a\u0928\u0947 <strong>\u20b95,00,000<\/strong> \u0915\u0940 \u090f\u092b\u0921\u0940 5 \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f <strong>7.5% \u0938\u093e\u0932\u093e\u0928\u093e \u092c\u094d\u092f\u093e\u091c \u0926\u0930<\/strong> \u092a\u0930 \u0915\u0930\u093e\u0908 \u0925\u0940\u0964<\/p>\n<p>2 \u0938\u093e\u0932 \u092c\u093e\u0926 \u0906\u092a\u0915\u094b \u0905\u091a\u093e\u0928\u0915 \u20b92,00,000 \u0915\u0940 \u091c\u0930\u0942\u0930\u0924 \u092a\u0921\u093c\u0940 \u0914\u0930 \u0906\u092a\u0928\u0947 \u092a\u0942\u0930\u0940 \u090f\u092b\u0921\u0940 \u0924\u094b\u0921\u093c \u0926\u0940\u0964<\/p>\n<ol>\n<li>\n<p>\u092c\u0948\u0902\u0915 \u0926\u0947\u0916\u0947\u0917\u093e \u0915\u093f 2 \u0938\u093e\u0932 \u0915\u0940 \u090f\u092b\u0921\u0940 \u0915\u093e \u0924\u0924\u094d\u0915\u093e\u0932\u0940\u0928 \u0930\u0947\u091f \u0915\u094d\u092f\u093e \u0925\u093e (\u092e\u093e\u0928 \u0932\u0947\u0902 6.5%)\u0964<\/p>\n<\/li>\n<li>\n<p>\u0907\u0938\u092e\u0947\u0902 \u0938\u0947 \u092c\u0948\u0902\u0915 1% \u0915\u0940 \u092a\u0947\u0928\u0932\u094d\u091f\u0940 \u0915\u093e\u091f \u0932\u0947\u0917\u093e, \u092f\u093e\u0928\u0940 \u0906\u092a\u0915\u094b \u092e\u093e\u0924\u094d\u0930 <strong>5.5%<\/strong> \u0915\u093e \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u0947\u0917\u093e\u0964<\/p>\n<\/li>\n<li>\n<p>\u092a\u0930\u093f\u0923\u093e\u092e: \u0906\u092a\u0915\u094b \u092a\u093f\u091b\u0932\u0947 2 \u0935\u0930\u094d\u0937\u094b\u0902 \u092a\u0930 7.5% \u0915\u0947 \u092c\u091c\u093e\u092f \u0915\u0947\u0935\u0932 5.5% \u092c\u094d\u092f\u093e\u091c \u092e\u093f\u0932\u093e, \u0914\u0930 \u0906\u0928\u0947 \u0935\u093e\u0932\u0947 3 \u0935\u0930\u094d\u0937\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u091c\u094b 7.5% \u092a\u0930 \u0915\u0902\u092a\u093e\u0909\u0902\u0921\u093f\u0902\u0917 \u0939\u094b\u0928\u0940 \u0925\u0940, \u0935\u0939 \u0939\u092e\u0947\u0936\u093e \u0915\u0947 \u0932\u093f\u090f \u0916\u0924\u094d\u092e \u0939\u094b \u0917\u0908\u0964<\/p>\n<\/li>\n<\/ol>\n<p>\u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0921\u093f\u092a\u0949\u091c\u093f\u091f \u092a\u0930 \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u0935\u093e\u0938\u094d\u0924\u0935 \u092e\u0947\u0902 \u090f\u0915 \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u094d\u0921 \u0932\u094b\u0928 (Secured Loan) \u092f\u093e \u0913\u0935\u0930\u0921\u094d\u0930\u093e\u092b\u094d\u091f (Overdraft Facility) \u0939\u0948:<\/p>\n<ul>\n<li>\n<p><strong>\u0932\u094b\u0928 \u0915\u0940 \u0938\u0940\u092e\u093e:<\/strong> \u092c\u0948\u0902\u0915 \u0906\u092a\u0915\u0940 \u0915\u0941\u0932 \u090f\u092b\u0921\u0940 \u0935\u0948\u0932\u094d\u092f\u0942 (\u092e\u0942\u0932\u0927\u0928 + \u0938\u0902\u091a\u093f\u0924 \u092c\u094d\u092f\u093e\u091c) \u0915\u093e <strong>90% \u0938\u0947 95% \u0924\u0915<\/strong> \u0932\u094b\u0928 \u092f\u093e \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0924\u0941\u0930\u0902\u0924 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0915\u0930 \u0926\u0947\u0924\u0947 \u0939\u0948\u0902\u0964 \u20b95 \u0932\u093e\u0916 \u0915\u0940 \u090f\u092b\u0921\u0940 \u092a\u0930 \u0906\u092a\u0915\u094b \u20b94.5 \u0932\u093e\u0916 \u0924\u0915 \u0915\u0940 \u0915\u094d\u0930\u0947\u0921\u093f\u091f \u0932\u093f\u092e\u093f\u091f \u092e\u093f\u0932 \u0938\u0915\u0924\u0940 \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092c\u094d\u092f\u093e\u091c \u0926\u0930 (FD Rate + 1% to 2%):<\/strong> \u090f\u092b\u0921\u0940 \u092a\u0930 \u092e\u093f\u0932\u0928\u0947 \u0935\u093e\u0932\u0947 \u092c\u094d\u092f\u093e\u091c \u0938\u0947 \u0906\u092e\u0924\u094c\u0930 \u092a\u0930 <strong>1% \u0938\u0947 2% \u0905\u0924\u093f\u0930\u093f\u0915\u094d\u0924 \u092c\u094d\u092f\u093e\u091c<\/strong> \u0932\u094b\u0928 \u092a\u0930 \u0932\u093f\u092f\u093e \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u090f\u092b\u0921\u0940 7.5% \u092a\u0930 \u0939\u0948, \u0924\u094b \u0932\u094b\u0928 8.5% \u0938\u0947 9.5% \u092a\u0930 \u092e\u093f\u0932\u0947\u0917\u093e\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092c\u094d\u092f\u093e\u091c \u0915\u0947\u0935\u0932 \u0909\u092a\u092f\u094b\u0917 \u0915\u0940 \u0917\u0908 \u0930\u093e\u0936\u093f \u092a\u0930:<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u0938\u094d\u0935\u0940\u0915\u0943\u0924 \u0932\u093f\u092e\u093f\u091f \u20b94 \u0932\u093e\u0916 \u0939\u0948 \u0914\u0930 \u0906\u092a\u0928\u0947 \u0915\u0947\u0935\u0932 \u20b91 \u0932\u093e\u0916 \u0928\u093f\u0915\u093e\u0932\u0947 \u0939\u0948\u0902, \u0924\u094b \u092c\u094d\u092f\u093e\u091c \u0915\u0947\u0935\u0932 \u0909\u0938 \u20b91 \u0932\u093e\u0916 \u092a\u0930 \u0914\u0930 \u091c\u093f\u0924\u0928\u0947 \u0926\u093f\u0928\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u0948\u0938\u093e \u0907\u0938\u094d\u0924\u0947\u092e\u093e\u0932 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u0938\u093f\u0930\u094d\u092b \u0909\u0924\u0928\u0947 \u0939\u0940 \u0926\u093f\u0928\u094b\u0902 \u0915\u093e \u0915\u091f\u0947\u0917\u093e\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u0936\u0942\u0928\u094d\u092f \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917 \u092b\u0940\u0938 \u0914\u0930 \u0915\u094b\u0908 CIBIL \u091c\u093e\u0902\u091a \u0928\u0939\u0940\u0902:<\/strong> \u091a\u0942\u0902\u0915\u093f \u092c\u0948\u0902\u0915 \u0915\u0947 \u092a\u093e\u0938 \u0906\u092a\u0915\u0940 \u090f\u092b\u0921\u0940 \u092a\u0939\u0932\u0947 \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0939\u0948, \u0907\u0938\u0932\u093f\u090f \u0907\u0938\u092e\u0947\u0902 \u0915\u094b\u0908 \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917 \u092b\u0940\u0938, \u092a\u094d\u0930\u0940-\u092a\u0947\u092e\u0947\u0902\u091f \u091a\u093e\u0930\u094d\u091c \u092f\u093e \u0915\u0920\u093f\u0928 \u0906\u092f \u0938\u0924\u094d\u092f\u093e\u092a\u0928 \u0928\u0939\u0940\u0902 \u0939\u094b\u0924\u093e\u0964<\/p>\n<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<td><strong>\u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092e\u093e\u0928\u0915<\/strong><\/td>\n<td><strong>\u090f\u092b\u0921\u0940 \u0924\u094b\u0921\u093c\u0928\u093e (Breaking FD)<\/strong><\/td>\n<td><strong>\u090f\u092b\u0921\u0940 \u092a\u0930 \u0932\u094b\u0928 (Loan Against FD)<\/strong><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u092e\u0942\u0932 \u090f\u092b\u0921\u0940 \u0915\u093e \u0926\u0930\u094d\u091c\u093e<\/strong><\/td>\n<td>\u090f\u092b\u0921\u0940 \u092a\u0942\u0930\u0940 \u0924\u0930\u0939 \u0938\u092e\u093e\u092a\u094d\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948<\/td>\n<td>\u090f\u092b\u0921\u0940 \u091c\u093e\u0930\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948 \u0914\u0930 7.5% \u092c\u094d\u092f\u093e\u091c \u0915\u092e\u093e\u0924\u0940 \u0930\u0939\u0924\u0940 \u0939\u0948<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0915\u091f\u094c\u0924\u0940 \/ \u091a\u093e\u0930\u094d\u091c<\/strong><\/td>\n<td>0.5% \u0938\u0947 1% \u0915\u0940 \u092a\u0947\u0928\u0932\u094d\u091f\u0940 \u092c\u094d\u092f\u093e\u091c \u0938\u0947 \u0915\u091f\u0924\u0940 \u0939\u0948<\/td>\n<td>\u0915\u094b\u0908 \u092a\u094d\u0930\u094b\u0938\u0947\u0938\u093f\u0902\u0917 \u092f\u093e \u092a\u094d\u0930\u0940-\u092a\u0947\u092e\u0947\u0902\u091f \u092a\u0947\u0928\u0932\u094d\u091f\u0940 \u0928\u0939\u0940\u0902<\/td>\n<\/tr>\n<tr>\n<td><strong>\u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u092c\u094d\u092f\u093e\u091c \u0932\u093e\u0917\u0924<\/strong><\/td>\n<td>\u092d\u0935\u093f\u0937\u094d\u092f \u0915\u0940 \u092a\u0942\u0930\u0940 \u0915\u0902\u092a\u093e\u0909\u0902\u0921\u093f\u0902\u0917 \u0915\u093e \u0928\u0941\u0915\u0938\u093e\u0928<\/td>\n<td>\u0915\u0947\u0935\u0932 1% &#8211; 2% \u0915\u093e \u0936\u0941\u0926\u094d\u0927 \u0905\u0902\u0924\u0930 (Net Cost)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u093e \u0926\u092c\u093e\u0935<\/strong><\/td>\n<td>\u0915\u094b\u0908 \u0930\u0940\u092a\u0947\u092e\u0947\u0902\u091f \u0928\u0939\u0940\u0902 (\u092a\u0948\u0938\u093e \u0906\u092a\u0915\u093e \u0939\u0940 \u0925\u093e)<\/td>\n<td>\u0932\u091a\u0940\u0932\u093e \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 (\u092c\u094d\u092f\u093e\u091c \u092e\u093e\u0938\u093f\u0915, \u092e\u0942\u0932\u0927\u0928 \u0915\u092d\u0940 \u092d\u0940)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u091f\u0948\u0915\u094d\u0938 \u0932\u093e\u092d (\u092f\u0926\u093f 5-\u0935\u0930\u094d\u0937\u0940\u092f 80C FD \u0939\u0948)<\/strong><\/td>\n<td>5 \u0938\u093e\u0932 \u0938\u0947 \u092a\u0939\u0932\u0947 \u0924\u094b\u0921\u093c\u0940 \u0939\u0940 \u0928\u0939\u0940\u0902 \u091c\u093e \u0938\u0915\u0924\u0940<\/td>\n<td>\u091f\u0948\u0915\u094d\u0938-\u0938\u0947\u0935\u093f\u0902\u0917 \u090f\u092b\u0921\u0940 \u092a\u0930 \u0932\u094b\u0928 \u092d\u0940 \u0928\u0939\u0940\u0902 \u092e\u093f\u0932\u0924\u093e<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u092e\u093e\u0928 \u0932\u0947\u0902 \u0906\u092a\u0915\u0940 \u20b95,00,000 \u0915\u0940 \u090f\u092b\u0921\u0940 7.5% \u092a\u0930 \u091a\u0932 \u0930\u0939\u0940 \u0939\u0948 \u0914\u0930 \u0906\u092a\u0915\u094b 6 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u20b92,00,000 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u0948:<\/p>\n<ul>\n<li>\n<p><strong>\u092f\u0926\u093f \u090f\u092b\u0921\u0940 \u0924\u094b\u0921\u093c\u0924\u0947 \u0939\u0948\u0902:<\/strong><\/p>\n<p>\u092a\u0942\u0930\u0940 \u20b95 \u0932\u093e\u0916 \u0915\u0940 \u090f\u092b\u0921\u0940 \u091f\u0942\u091f \u091c\u093e\u090f\u0917\u0940\u0964 \u092c\u094d\u092f\u093e\u091c \u0926\u0930 7.5% \u0938\u0947 \u0918\u091f\u0915\u0930 5.5% \u0930\u0939 \u091c\u093e\u090f\u0917\u0940\u0964 \u092a\u093f\u091b\u0932\u0947 \u0938\u092e\u092f \u0915\u093e \u092c\u094d\u092f\u093e\u091c \u0928\u0941\u0915\u0938\u093e\u0928 \u0914\u0930 \u0905\u0917\u0932\u0947 3 \u0938\u093e\u0932 \u0915\u0940 \u0915\u0902\u092a\u093e\u0909\u0902\u0921\u093f\u0902\u0917 \u091f\u0942\u091f\u0928\u0947 \u0938\u0947 \u0915\u0941\u0932 \u0928\u0941\u0915\u0938\u093e\u0928 \u0932\u0917\u092d\u0917 <strong>\u20b935,000 \u0938\u0947 \u20b950,000<\/strong> \u0915\u0947 \u0906\u0938\u092a\u093e\u0938 \u092c\u0948\u0920\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092f\u0926\u093f 6 \u092e\u0939\u0940\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0932\u094b\u0928 \u0932\u0947\u0924\u0947 \u0939\u0948\u0902:<\/strong><\/p>\n<p>\u0906\u092a\u0915\u0940 \u090f\u092b\u0921\u0940 \u092a\u0930 7.5% \u092c\u094d\u092f\u093e\u091c \u091c\u093e\u0930\u0940 \u0930\u0939\u0947\u0917\u093e (6 \u092e\u0939\u0940\u0928\u0947 \u092e\u0947\u0902 \u20b95 \u0932\u093e\u0916 \u092a\u0930 \u0932\u0917\u092d\u0917 \u20b918,750 \u0915\u0940 \u0915\u092e\u093e\u0908)\u0964<\/p>\n<p>\u0932\u094b\u0928 8.5% \u092a\u0930 \u092e\u093f\u0932\u0947\u0917\u093e\u0964 \u20b92 \u0932\u093e\u0916 \u092a\u0930 6 \u092e\u0939\u0940\u0928\u0947 \u0915\u093e \u092c\u094d\u092f\u093e\u091c \u0932\u0917\u092d\u0917 <strong>\u20b98,500<\/strong> \u0939\u094b\u0917\u093e\u0964<\/p>\n<p><strong>\u0936\u0941\u0926\u094d\u0927 \u092a\u0930\u093f\u0923\u093e\u092e:<\/strong> \u0906\u092a\u0915\u0940 \u090f\u092b\u0921\u0940 \u0915\u092e\u093e\u0908 \u091c\u093e\u0930\u0940 \u0930\u0939\u0940 \u0914\u0930 \u0906\u092a\u0928\u0947 \u0915\u0947\u0935\u0932 \u20b98,500 \u092c\u094d\u092f\u093e\u091c \u092d\u0930\u093e\u0964 \u0906\u092a\u0915\u094b \u0938\u0940\u0927\u0947 \u0924\u094c\u0930 \u092a\u0930 \u0939\u091c\u093e\u0930\u094b\u0902 \u0930\u0941\u092a\u092f\u0947 \u0915\u0940 \u092c\u091a\u0924 \u0939\u0941\u0908\u0964<\/p>\n<\/li>\n<\/ul>\n<h3>\u090f\u092b\u0921\u0940 \u092a\u0930 \u0932\u094b\u0928 (Loan Against FD) \u0915\u092c \u091a\u0941\u0928\u0947\u0902?<\/h3>\n<ol>\n<li>\n<p><strong>\u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u091c\u0930\u0942\u0930\u0924 (1 \u0938\u0947 12 \u092e\u0939\u0940\u0928\u0947):<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u094b \u092a\u0924\u093e \u0939\u0948 \u0915\u093f \u0905\u0917\u0932\u0947 3, 6 \u092f\u093e 12 \u092e\u0939\u0940\u0928\u094b\u0902 \u092e\u0947\u0902 \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u092c\u094b\u0928\u0938, \u0938\u0948\u0932\u0930\u0940 \u092f\u093e \u0915\u094b\u0908 \u0905\u0928\u094d\u092f \u092b\u0902\u0921 \u0906\u0928\u0947 \u0935\u093e\u0932\u093e \u0939\u0948 \u091c\u093f\u0938\u0938\u0947 \u0906\u092a \u0932\u094b\u0928 \u091a\u0941\u0915\u093e \u0926\u0947\u0902\u0917\u0947\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u091c\u0930\u0942\u0930\u0924 \u090f\u092b\u0921\u0940 \u0915\u0940 \u0915\u0941\u0932 \u0930\u0915\u092e \u0938\u0947 \u0915\u092e \u0939\u094b:<\/strong> \u092f\u0926\u093f \u090f\u092b\u0921\u0940 \u20b95 \u0932\u093e\u0916 \u0915\u0940 \u0939\u0948 \u0914\u0930 \u091c\u0930\u0942\u0930\u0924 \u0938\u093f\u0930\u094d\u092b \u20b91 \u092f\u093e \u20b92 \u0932\u093e\u0916 \u0915\u0940 \u0939\u0948\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092e\u0948\u091a\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u0928\u091c\u0926\u0940\u0915 \u0939\u094b:<\/strong> \u092f\u0926\u093f \u090f\u092b\u0921\u0940 \u0915\u0940 \u092e\u0948\u091a\u094d\u092f\u094b\u0930\u093f\u091f\u0940 \u092e\u0947\u0902 \u0915\u0947\u0935\u0932 \u0915\u0941\u091b \u092e\u0939\u0940\u0928\u0947 \u092c\u091a\u0947 \u0939\u0948\u0902, \u0924\u094b \u0909\u0938\u0947 \u0924\u094b\u0921\u093c\u0928\u0947 \u092a\u0930 \u092d\u093e\u0930\u0940 \u0928\u0941\u0915\u0938\u093e\u0928 \u0939\u094b\u0917\u093e; \u0910\u0938\u0947 \u092e\u0947\u0902 \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u0939\u0940 \u0938\u092c\u0938\u0947 \u0938\u092e\u091d\u0926\u093e\u0930\u0940 \u092d\u0930\u093e \u0915\u0926\u092e \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ol>\n<h3>\u090f\u092b\u0921\u0940 \u0924\u094b\u0921\u093c\u0928\u093e (Breaking FD) \u0915\u092c \u0938\u0939\u0940 \u0939\u0948?<\/h3>\n<ol>\n<li>\n<p><strong>\u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u093f\u0915 \u092f\u093e \u0905\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0938\u092e\u092f:<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u0947 \u092a\u093e\u0938 \u0905\u0917\u0932\u0947 2-3 \u0935\u0930\u094d\u0937\u094b\u0902 \u0924\u0915 \u0932\u094b\u0928 \u091a\u0941\u0915\u093e\u0928\u0947 \u0915\u093e \u0915\u094b\u0908 \u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0938\u093e\u0927\u0928 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0924\u0915 \u0932\u094b\u0928 \u0916\u0941\u0932\u093e \u0930\u0916\u0928\u0947 \u092a\u0930 \u092c\u094d\u092f\u093e\u091c \u0915\u093e \u092c\u094b\u091d \u090f\u092b\u0921\u0940 \u0930\u093f\u091f\u0930\u094d\u0928 \u0915\u094b \u092a\u093e\u0930 \u0915\u0930 \u091c\u093e\u090f\u0917\u093e\u0964<\/p>\n<\/li>\n<li>\n<p><strong>\u092a\u0942\u0930\u0940 \u0930\u0915\u092e \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e:<\/strong> \u092f\u0926\u093f \u0906\u092a\u0915\u0940 \u090f\u092b\u0921\u0940 \u20b92 \u0932\u093e\u0916 \u0915\u0940 \u0939\u0948 \u0914\u0930 \u0906\u092a\u0915\u094b \u092a\u0942\u0930\u0947 \u20b92 \u0932\u093e\u0916 \u0915\u0940 \u0939\u0940 \u091c\u0930\u0942\u0930\u0924 \u0939\u0948\u0964<\/p>\n<\/li>\n<\/ol>\n<p>\u0905\u0924\u0903 \u091c\u092c \u092d\u0940 \u092a\u0948\u0938\u094b\u0902 \u0915\u0940 \u0924\u093e\u0924\u094d\u0915\u093e\u0932\u093f\u0915 \u091c\u0930\u0942\u0930\u0924 \u0939\u094b, \u0924\u0941\u0930\u0902\u0924 \u090f\u092b\u0921\u0940 \u092c\u0902\u0926 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u091c\u093e\u092f \u0905\u092a\u0928\u0940 \u092a\u0941\u0928\u0930\u094d\u092d\u0941\u0917\u0924\u093e\u0928 \u0915\u094d\u0937\u092e\u0924\u093e \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0947\u0902\u0964 \u092f\u0926\u093f \u091c\u0930\u0942\u0930\u0924 \u0915\u0941\u091b \u092e\u0939\u0940\u0928\u094b\u0902 \u0915\u0940 \u0939\u0948, \u0924\u094b \u0928\u0947\u091f 1-2% \u0915\u0940 \u0932\u093e\u0917\u0924 \u092a\u0930 \u090f\u092b\u0921\u0940 \u0932\u094b\u0928 \u0932\u0947\u0928\u093e \u0939\u092e\u0947\u0936\u093e \u0906\u092a\u0915\u0940 \u092a\u0942\u0902\u091c\u0940 \u0914\u0930 \u0915\u0902\u092a\u093e\u0909\u0902\u0921\u093f\u0902\u0917 \u0915\u094b \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0916\u0924\u093e \u0939\u0948\u0964<\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u091c\u0940\u0935\u0928 \u092e\u0947\u0902 \u0915\u0908 \u092c\u093e\u0930 \u0905\u091a\u093e\u0928\u0915 \u0906\u092a\u093e\u0924\u0915\u093e\u0932\u0940\u0928 \u092a\u0930\u093f\u0938\u094d\u0925\u093f\u0924\u093f\u092f\u093e\u0902 (Medical Emergency, \u0918\u0930 \u0915\u0940 \u0924\u0924\u094d\u0915\u093e\u0932 \u092e\u0930\u092e\u094d\u092e\u0924 \u092f\u093e \u0905\u0932\u094d\u092a\u0915\u093e\u0932\u093f\u0915 \u0928\u0915\u0926\u0940 \u0938\u0902\u0915\u091f) \u0938\u093e\u092e\u0928\u0947 \u0906 \u091c\u093e\u0924\u0940 \u0939\u0948\u0902, \u091c\u092c \u0924\u0924\u094d\u0915\u093e\u0932 \u092a\u0948\u0938\u094b\u0902 \u0915\u093e \u092a\u094d\u0930\u092c\u0902\u0927 \u0915\u0930\u0928\u093e \u091c\u0930\u0942\u0930\u0940 \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0910\u0938\u0947 \u0938\u092e\u092f \u092e\u0947\u0902 \u0905\u0927\u093f\u0915\u093e\u0902\u0936 \u092e\u0927\u094d\u092f\u092e\u0935\u0930\u094d\u0917\u0940\u092f \u0928\u093f\u0935\u0947\u0936\u0915\u094b\u0902 \u0915\u093e \u0938\u092c\u0938\u0947 \u092a\u0939\u0932\u093e \u0927\u094d\u092f\u093e\u0928 \u0905\u092a\u0928\u0947 \u092c\u0948\u0902\u0915 \u092e\u0947\u0902 \u091c\u092e\u093e \u092b\u093f\u0915\u094d\u0938\u094d\u0921 \u0921\u093f\u092a\u0949\u091c\u093f\u091f (FD) \u0915\u0940 \u0913\u0930 \u091c\u093e\u0924\u093e \u0939\u0948\u0964 \u0932\u0947\u0915\u093f\u0928 \u0909\u0938 \u0935\u0915\u094d\u0924&#8230;<\/p>\n","protected":false},"author":2,"featured_media":42133,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[4],"tags":[51736,51733,51735,51734],"class_list":["post-42132","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business","tag-loan-against-fd-sbi-hdfc","tag-loan-against-fd-vs-breaking-fd","tag-overdraft-against-fixed-deposit-interest-rate","tag-premature-fd-withdrawal-penalty-calculation"],"_links":{"self":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts\/42132","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/comments?post=42132"}],"version-history":[{"count":0,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/posts\/42132\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/media\/42133"}],"wp:attachment":[{"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/media?parent=42132"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/categories?post=42132"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/petrolnews.in\/live\/wp-json\/wp\/v2\/tags?post=42132"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}