Financial Planning ka Funda: Joint FD ya Savings Account, Kya Hai Best?
Har couple aur family ke liye financial planning bahut zaroori hai. Sahi savings aur investment options choose karna aapke financial future ko secure kar sakta hai. Aksar yeh sawaal uthta hai ki joint fixed deposit (FD) account kholen ya joint savings account? Chaliye dekhte hain!
Joint FD Account Kya Hai?
Jab do ya usse zyada log milkar ek fixed deposit account kholte hain aur manage karte hain, toh woh joint fixed deposit kehlata hai. Har joint FD account holder ko account manage karne ka equal right hota hai. Usually, couples ya families ise medium- to long-term investment goals ke liye choose karte hain, jaise education ya apna pehla ghar kharidne ke liye down payment.
Joint FD Account ke Fayde
1. Higher Returns: Jab do ya zyada log ek joint fixed deposit mein contribute karte hain, toh total investment amount badh jaata hai. Isse zyada returns milte hain, because investment amount zyada hota hai.
2. Access aur Flexibility: Joint FD ki sabse achi baat yeh hai ki agar ek person available nahi hai, toh doosra account holder FD operate kar sakta hai, depending on the mode of operation.
3. Nomination Facility: Agar ek account holder ki death ho jaati hai, toh FD ko prematurely break karne ki zaroorat nahi hai. Surviving account holder FD ko maturity tak chalne de sakta hai ya withdraw kar sakta hai.
Joint FD Account ke Nuksan
1. Taxable: FD par earn kiya gaya interest income tax slab ke according taxable hota hai. Joint account mein, tax liability usually primary account holder ki hoti hai.
2. Limited Liquidity: Maturity date se pehle money withdraw karna possible nahi hai, even if ek account holder ko financial problem ho. Joint FD ki premature withdrawal se penalties aur lower returns ho sakte hain.
Joint Savings Account Kya Hai?
Ek bank account jo do ya zyada log share karte hain, usually spouses ya family members, use joint savings account kehte hain. Yeh sabhi account holders ko money manage, withdraw aur deposit karne deta hai, at any given point. Yeh account routine expenditures handle karne ke liye effective hai, jaise groceries, utility bills, loan repayments, aur other home expenses.
Joint Savings Account ke Fayde
1. Easy Access to Funds: Dono account holders money kabhi bhi access kar sakte hain. So, agar koi emergency ho, toh ek holder bina co-owner se permission liye transaction kar sakta hai.
2. Better Credit Score: Joint accounts credit card ya loan payments miss hone ke chances ko kam karte hain, by helping families ya couples unke spending ko track karne mein. Isse credit score improve ho sakta hai.
3. Transparency: Dono account holders dekh sakte hain ki unka money kaha ja raha hai, whether in deposits, withdrawals, transfers, ya payments. Isse real-time monitoring hoti hai. Effectively apne transactions ko track karke, aap unwanted expenses se bach sakte hain.
Joint Savings Account ke Nuksan
1. Overspending: Sabhi account holders funds access aur withdraw kar sakte hain. Agar ek person overspend karta hai ya account ko misuse karta hai, toh doosre ka kam control hota hai. Isse extra expenses hote hain.
2. Operational Restrictions: Kuch banks ko certain actions ke liye joint signatures ya consent ki zaroorat hoti hai (jaise large withdrawals ya account closure), jo emergencies mein inconvenient ho sakta hai.
Conclusion: Which Is Better?
Dono joint FD accounts aur joint savings accounts different benefits aur drawbacks offer karte hain. Sahi choice aapke financial goals, risk tolerance aur lifestyle needs par depend karta hai.
Agar aapko daily expenses aur expenditures ke liye easy access to funds chahiye, toh ek joint savings account better option hai. On the other hand, agar aap long-term investment aur higher returns ke liye dekh rahe hain, toh ek joint FD preferable hai.
