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Author: admin | Category: Calculateur De Pret Auto | Date: 22.11.2015

Reserve Bank of India (RBI) had deregulated the interest rate offered on Savings Account by banks in October 2011. Yes Bank has the second best offering at 7% for balance above 3 lakh and 7% for all others.
Four small banks Kotak Mahindra Bank, Indusind Bank, Bandhan Bank and Lakshmi Vilas Bank are offering interest rates of 4.25% to 6% depending on your balance of savings account. Tax Efficient: Also in Budget 2012 Finance Minister had exempted interest income up to Rs 10,000 from Savings Account every financial year under section 80TTA.
The next question is should you go to these banks to get benefit of enhanced interest rates on savings account?
If you are someone who has a large balance in savings account you might want to opt for accounts offering higher interest rates.
Even if you have higher balance in your account, do you want to get an additional account and keep a track of all the new charges banks impose on accounts. If you are in 30% tax bracket then it makes sense to have some money in savings account yielding higher interest rates than rush for short term Fixed Deposit. Most banks offer sweep in facility where the amount in excess of pre specified automatically goes into fixed deposit. Lakshmi Vilas Bank to offer 4% interest to its Saving Account customers maintaining up to Rs 1 lakh balance, 5% for balance between Rs 1 to 5 lakhs and 6% for balance above Rs 5 Lakhs. Yes Bank has changed the minimum balance slab for offering 7% interest rate on savings account. Lakshmi Vilas Bank to offer 5% interest to its Saving Account customers maintaining Rs 1 lakh balance calculated on daily basis. The interest on Saving Account is paid based on the the daily closing balance in the account. I really doubt if there would be increase in savings bank account interest rate going forward until we have some new banks.
Higher interest on savings account matter to people who have substantial amount in their savings account. Other than the banks listed above all other banks offer 4% on saving account – including Axis Bank. The bank launched two new rewards credit cards this week as part of the strategic partnership it announced with American Express back in 2013.
The Wells Fargo Propel World American Express card features triple the points at airlines, twice the points at hotels and one times the points back on all other purchases.


Among their more notable features, Propel cards aren't subject to rewards redemption or earnings caps. Propel World cardholders are also eligible for an annual $100 fee reimbursement on incidental airline charges, such as baggage fees.
Still, like most rewards cards, Well's new offerings are probably best-suited to customers who pay their monthly balances off in full so points aren't negated by interest.
Although there are some very reliable used cars on the market, other used car models may not be so reliable and have limited lifespans, while new cars may cost up to a year’s salary. It was expected then that a lot of banks would compete for this and offer competitive rates. So there would be situations where people in higher tax bracket would be better off by putting money in Savings Account than doing Fixed Deposit. From April 1, 2015 7% interest would only be offered for balance above Rs 3 lakhs while below Rs 3 lakh will continue to get 6%.
I have Rs.1 Lakh in my bank account, should I keep it as it is in my account or should i get a fixed deposit of it ? In case you do not keep much money in savings account, the higher interest is of little use. The Wells Fargo Propel 365 American Express card features triple the points at gas stations, double the points at restaurants and one times the points back on all other purchases. We ask that you stay on topic, respect other people's opinions, and avoid profanity, offensive statements, and illegal content.
Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices. Bankrate may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on certain links posted on this website.
Just like with a house or college tuition, a new automobile, especially one that can haul lots of stuff, will require a loan.A car loan can either come from the car dealership itself or from an outside lender.
But unfortunately there are just a handful banks which have offered higher interest rates while all others are still struck up at 4%. But remember the interest earned in sweep in account is fully taxable as your interest income from fixed deposit.
Please consult a qualified financial planner and do your own due diligence before making any investment decision. They can earn an extra 10 percent, 25 percent or 50 percent back when they have a qualifying Wells Fargo checking or savings account.


Please keep in mind that we reserve the right to (but are not obligated to) edit or delete your comments. The Federal Trade Commission (FTC) explains both dealer financing, which means a car loan from the dealership itself, and direct lending, which is from an outside lender.
Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused. Outside lenders can range from traditional banks to smaller, non-bank lenders that specialize in auto loans. However, auto loans are a riskier market than other types of loans, reports the Associated Press, and lenders today are engaging in more subprime lending, meaning lending to borrowers with credit scores below 620. However, virtually any reputable lender will use borrowers’ credit scores to determine which types of loans, and which interest rates, they may receive.
A credit score is a score from 300 to 850, explains myFICO, and reveals one’s reliability when it comes to handling credit, or loaned money. Having a bad credit score may either disqualify you for the auto loan or require you to have a cosigner, or someone who promises to pay in the event you cannot.
This is often preferable for the sake of convenience, allowing individuals to complete the vehicle-purchasing process at one time.
On one hand, car dealerships may be more willing to cut a deal in the moment to sell vehicles. Car buyers should keep in mind their credit score, which can significantly affect the interest rate you receive. Regardless of where you get your auto loan, check your credit score prior to walking in the door! She is a contributing writer to this and other blogs and also writes email newsletter articles, press releases and web content. Prior to her writing career, Natalie worked in various fields including real estate, equipment leasing and banking. 10 Tips for Better Time Management 15 Ways to Save on Everyday Household Essentials 10 Best Personal Budgeting Tools With Reviews Federal Tax Rates and Brackets for 2016Popular PostsHow Much Is Car Insurance?




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