Fixed deposit: FD ಹಣ ಇಟ್ಟಿದ್ದೀರಾ? ಬಂದಿದೆ ಹೊಸ ನಿಯಮ, ಇನ್ನು ಇಷ್ಟು ಹಣಕ್ಕಿಂತ ಹೆಚ್ಚು ಇಟ್ರೆ ಈ ನಿಯಮ ಪಾಲನೆ ಕಡ್ಡಾಯ

Fixed Deposit: ಸಾಮಾನ್ಯವಾಗಿ ಬ್ಯಾಂಕ್ ನ ಕೆಲವು ನಿಯಮಗಳ ಬಗ್ಗೆ ಜನರಿಗೆ ಅರಿವಿಲ್ಲ. ಹಾಗಾಗಿ ನಿಶ್ಚಿತ ಠೇವಣಿಗಳಿಗೆ ಸಂಬಂಧಿಸಿದ ನಿಯಮಗಳ ಬಗ್ಗೆ ಇಲ್ಲಿ ತಿಳಿಸಲಾಗಿದೆ.
ನೀವು ಒಂದು ವೇಳೆ ನಿಮ್ಮಲ್ಲಿರುವ ಹಣವನ್ನು FD ಇಡುವುದಾದಲ್ಲಿ ಮೊದಲು ಈ ನಿಯಮ ತಿಳಿಯಿರಿ.

FD ಅಂದರೆ ಫಿಕ್ಸೆಡ್ ಡೆಪಾಸಿಟ್ (Fixed Deposit) ಎಂದೂ ಸಹ ಕರೆಯಲ್ಪಡುತ್ತದೆ. ಇದು ಭಾರತದಲ್ಲಿ ಹೂಡಿಕೆದಾರರಿಗೆ ಸ್ಥಿರ ಆದಾಯದ ಯೋಜನೆಯಾಗಿದೆ. ಆರ್‌ಬಿಐ ಇತ್ತೀಚೆಗೆ ಎಫ್‌ಡಿಗೆ ಸಂಬಂಧಿಸಿದಂತೆ ಮಹತ್ವದ ನಿರ್ಧಾರವನ್ನು ತೆಗೆದುಕೊಂಡಿದೆ. ಈ ನಿರ್ಧಾರದಿಂದ ಹಿರಿಯ ನಾಗರಿಕರಿಗೆ ತುಂಬಾ ಅನುಕೂಲವಾಗಲಿದೆ ಎನ್ನುತ್ತಾರೆ ತಜ್ಞರು.

ರಿಸರ್ವ್ ಬ್ಯಾಂಕ್ ಆಫ್ ಇಂಡಿಯಾ ‘ಒಟ್ಟು ಠೇವಣಿ’ ಅನ್ನು ರೂ.3 ಕೋಟಿ ಅಥವಾ ಅದಕ್ಕಿಂತ ಹೆಚ್ಚಿನ ವರ್ಗಾವಣೆ ಎನ್ನಲಾಗುತ್ತಿತ್ತು. ಪ್ರಸ್ತುತ ಇದು ರೂ 2 ಕೋಟಿಗಿಂತ ಹೆಚ್ಚಿನ ಬ್ಯಾಂಕ್ ಎಫ್‌ಡಿಗಳನ್ನು ಒಟ್ಟು ಸ್ಥಿರ ಠೇವಣಿ ಎಂದು ಪರಿಗಣಿಸಲಾಗುತ್ತದೆ ಎಂದು ಆರ್‌ಬಿಐ ಗವರ್ನರ್ ಶಕ್ತಿಕಾಂತ ದಾಸ್ ಇತ್ತೀಚೆಗೆ ಈ ಕುರಿತು ಹೇಳಿಕೆ ನೀಡಿದ್ದಾರೆ.

ಬ್ಯಾಂಕ್‌ಗಳು ಸಾಮಾನ್ಯ ಠೇವಣಿಗಳಿಗಿಂತ ಹೆಚ್ಚಿನ ಠೇವಣಿಗಳ ಮೇಲೆ ಹೆಚ್ಚಿನ ಬಡ್ಡಿದರಗಳನ್ನು ನೀಡುತ್ತವೆ. ಆದ್ರೆ ಈಗ ಮಿತಿ ಹೆಚ್ಚಳದೊಂದಿಗೆ, ಬ್ಯಾಂಕ್‌ಗಳು ಹೊಸ ಮಿತಿಯ ಸುತ್ತ ತಮ್ಮ ಬಡ್ಡಿ ದರಗಳು ಮತ್ತು ಠೇವಣಿ ಮೊತ್ತವನ್ನು ಬದಲಾಯಿಸಬಹುದು. ಇದು ಎಫ್‌ಡಿ ಹೊಂದಿರುವವರ ಮೇಲೂ ಪರಿಣಾಮ ಬೀರುತ್ತದೆ.

ಇನ್ನು ಆರ್‌ಬಿಐನ ಇತ್ತೀಚಿನ ‘ಗ್ರಾಸ್ ಠೇವಣಿ’ ನಿರ್ಧಾರದ ನಂತರ ಬ್ಯಾಂಕ್‌ಗಳಲ್ಲಿ ಒಂದೇ ಬಾರಿಗೆ 2 ಕೋಟಿಯಿಂದ 3 ಕೋಟಿ ಠೇವಣಿ ಇಡುವವರಿಗೆ 3 ಕೋಟಿಗಿಂತ ಹೆಚ್ಚು ಠೇವಣಿ ಇಡುವವರಿಗೆ ಕಡಿಮೆ ಬಡ್ಡಿ ಸಿಗಲಿದೆ. ಗರಿಷ್ಠ ಮಿತಿಯನ್ನು ಹೆಚ್ಚಿಸುವ ಮೂಲಕ ಬ್ಯಾಂಕಿಂಗ್ ವ್ಯವಸ್ಥೆಯಲ್ಲಿ ದೊಡ್ಡ ಹೂಡಿಕೆಯನ್ನು ಉತ್ತೇಜಿಸುವುದು ಆರ್‌ಬಿಐ ಉದ್ದೇಶವಾಗಿದೆ ಎಂದು ಆರ್‌ಬಿಐ ಗವರ್ನರ್ ಶಕ್ತಿಕಾಂತ ದಾಸ್ ಇತ್ತೀಚೆಗೆ ಈ ಕುರಿತು ಹೇಳಿಕೆ ನೀಡಿದ್ದಾರೆ.

1 Comment
  1. Marilou says

    You probably won’t be able to carry as heavy as you’ll in a barbell row,
    but you get the bonus of strengthening your core. Renegade rows
    also help address bilateral muscular imbalances and improve your grip energy and
    coordination. Renegade rows are handy, requiring solely a pair of dumbbells to give your back, lats, rhomboids, and obliques
    a great workout. This allows you to give consideration to coaching your lats
    and higher again muscles without fatigue in the spinal erectors forcing you to cut the set short.

    Let’s delve into the significance of resistance adjustment in seated cable
    rows. For continuous muscle growth, it’s essential to progressively overload your
    muscles, and managing the resistance is central to this precept.

    After getting up from newbie level, I am shifting to options of few exercise.
    Lately I requested certainly one of Fitness Center pal and he suggested me
    undergo this web site of 1 arm which appears
    me actually helpful. The upper body movement of
    the renegade row is much like the seated cable row however due to the completely different lower physique setup, this alternative engages your muscles
    with a unique focus. If you are more skilled with resistance training this seated cable row various may not be enough to have interaction your back muscles enough for a lot of muscle
    development. Primarily targeting the higher back muscles, the Resistance Band
    Row is a priceless device for constructing comprehensive upper
    body strength. Its benefits prolong beyond the immediate
    focus, providing enhanced support for other
    pulling and pushing workouts, such as the bench press.
    I love including body weight workouts to my routine, as
    they are tremendous accessible and I can always add a weight west for
    more resistance.
    That’s why we take the time to choose out our various workouts fastidiously to verify they do
    the identical thing as the original transfer. Comparable to the inverted row,
    you can do a TRX row and make the exercise as straightforward or as hard as
    you want. Instead of performing a full rep, on the way down you’ll pause at the half way mark, convey the load back up, after which bring the weight all
    the way in which down. So, in addition to working your higher back, scapular wall
    slides also present your chest with a useful stretch. As its name implies, this muscle is positioned on the back of your
    shoulder. The rear delt is commonly underdeveloped and wishes plenty of direct coaching to ensure that it doesn’t lag behind the opposite two deltoids.
    This additionally is dependent upon your fitness objectives but, as a common rule, sure you could.

    However, there are several various exercises that can successfully
    engage the back muscular tissues without the same amount of strain. Unlike the bent-over
    row, Meadows rows are performed with one arm at a time, allowing for a extra controlled and centered
    motion. The exercise can be accomplished using a barbell or
    a dumbbell, relying in your desire and gear availability.
    To perform Meadows rows, stand beside a bench with one hand resting
    on it for help. Hinge ahead on the hips, sustaining a neutral spine,
    and pull the load up in direction of your hip, squeezing your again muscular tissues on the high of the motion.
    Consequently, the t-bar row requires much less core muscle activation and postural stability, which allows you to
    instead isolate the muscle tissue of the back to a higher extent.
    As properly, I have included a wide range of barbell, machine,
    and body weight variations for you to add to your assortment of back
    exercises. In this article, I’ll dive into each of these exercises in additional
    element, including why it makes an ideal different to the t-bar row, the
    way to do it correctly, and some tricks to maximize its advantages.
    Simply like with many of the rowing workouts above, focus on a correct starting
    position with the again flat and hold the core braced all through the row.
    In the occasion that another train is not necessary,
    a easy tweak within the equipment used for the barbell row ought to greater than suffice
    for the needs of the exerciser and their training targets.

    Verify out this video for a useful visual information to
    performing resistance band bent-over rows. Utilizing a supinated (underhand) grip
    permits you to target the lats and rhomboids to a higher
    diploma, equally to a impartial grip T-Bar row.
    Rows are the last word train for constructing the
    upper again, and cable rows are second to none among them.

    The seated cable row is a stellar exercise because it
    presents a lot of options in phrases of grip and positioning that permit
    you to hit the again from a quantity of angles, maximizing muscle recruitment.
    So, if you are looking to change up your again routine or
    don’t have entry to a barbell these barbell row alternate
    options may be efficient in helping you build energy and muscle in the upper again.
    That’s why I’ve taken the time and effort to fastidiously choose alternative workouts that actually observe the identical motion sample as the original.

    The muscle fibers of the lats run diagonally from the
    armpit down towards the lower back and hip. The finest grip to
    work the lats and mid traps is an overhand grip, just wider than shoulder width.

    If you have access to a Hammer Energy high-row machine, we
    strongly encourage you to program it into your
    workouts. To maintain fixed tension in your muscular tissues,
    make sure you don’t rack the weights on the bottom.
    The high-row machine is a well-liked piece of equipment manufactured by
    Hammer Power. You can discover videos of high pro bodybuilders using this machine all
    around the web.
    This muscle originates on the decrease two thirds of the backbone,
    in addition to the lower third and fourth ribs and
    the bottom of the scapula. As a former gym proprietor and authorized private coach I’ve been programming every
    of those strikes with everyone from novice weightlifters to
    competitive bodybuilders, with great outcomes. The bent over row has been a mainstay of bodybuilding exercises to
    develop again thickness for decades.
    Supine cable reverse flys are virtually cheat-proof, making them ideal for
    anybody who struggles to keep their torso stationary.
    Avoid leaning back an extreme amount of and ensure your legs don’t turn out to be totally extended.
    Your arms and again are not doing any of the work here, besides stabilizing the motion.
    Nevertheless, in addition they work other muscles, similar to the center trapezius, rhomboids,
    and rotator cuff muscular tissues. Avi Silverberg holds a Grasp of
    Science in Train Science with a research focus on powerlifting coaching.

    Choice one is the inverted row, where you employ the burden of your personal body, rather than a barbell or dumbbell,
    to supply resistance. However in the course of the lat pulldown, the spinal
    erectors aren’t skilled to the identical extent as they’re in the course of the barbell
    row. Like many workout routines, the barbell row definitely has the potential to be bad on your back if you don’t do it properly,
    however it’s not dangerous in your back per se.
    Named after US weightlifting and powerlifting coach Glen Pendlay,
    this is an excellent exercise for building power and muscle dimension. These
    three will do exactly nice if you need to use your dumbbells to re-create exercises similar
    to the seated cable row. The Pendlay Row is a variation of the
    bent over barbell row that makes use of a extra horizontal
    torso place to focus extra on the lats and fewer on the trapezius.
    The underhand barbell row is a variation of the standard barbell row that
    permits for a slightly larger vary of motion when the palms are going through ahead.
    This exercise requires the core, glutes and legs to stabilize the physique as
    you might be lifting.
    Oftentimes, a traditional lat pulldown bar with a shoulder-width grip is used
    for a lat pulldown. If you’re looking to acquire more energy, explosiveness, and power
    while reducing the stress positioned in your lower again, then the pendlay row
    is a good barbell row alternative! A pendlay row is similar to a barbell row; nonetheless, the barbell starts on the floor and comes to an entire stop between every rep.
    The T-bar row is a good bent-over barbell row for somebody
    that has been doing bent-over barbell rows for a while and has hit a plateau.

    Right Here are some nice alternate options that’ll work your legs, core, and back as properly as getting your heart price up.
    In easy words, you can describe lawnmower pulls as a one-handed bent-over row with an extra twist at the prime of the movement.

    Get in a position the place your legs are barely bent, your again straight at a few 45-degree angle or more to a vertical line, and your arms stretched.
    To do that train you start standing up over the bar
    which is between your legs along with your again to the ground anchor level.
    Pick the weight off the ground through the use of your legs whereas preserving your back straight.
    The name of this exercise comes from the form this bar has due to the horizontal deal with at the end of the bar.

    You may have one thing like a heavy weighted vest to make the movement difficult enough.

    Lat pulldowns place little or no strain in your lower again and may
    even help stretch and decompress your spine. Dumbbell pullovers don’t look
    anything like lat pulldowns, but they’re still a helpful lat pulldown alternative.
    While there are pullover machines you should use, not
    every fitness center has one, and the dumbbell version is pretty efficient anyway.
    You’re performing virtually the actual same movement because the rowing machine, minus the
    leg work.
    The exercises that present the best outcomes with the least quantity
    of danger are the ones you should use. The renegade row is a unilateral rowing
    exercise carried out from a high plank place.
    This makes it a lot simpler on the lower back than the standing bent-over row.
    Working both sides of the back individually also prevents the stronger facet from taking up.
    Check out our guide and learn how to do this efficient body weight train.
    The inverted row may be carried out with a barbell and squat rack, smith machine,
    or even rings. You can perform this train anytime during a again or upper physique exercise.
    As the name implies this train mainly focuses in your latissimus dorsi
    also known as your lats.
    Nonetheless, this is going to place a lot of tension on the neck and upper 
    back muscular tissues. You could additionally use this movement as a back finisher for when the muscle tissue have been fatigued with other, more difficult
    back workout routines. By altering hand positions and adopting both a wide grip or slim grip this may also work
    the back muscles a little in another way. So, if you
    want to address any power imbalances or enhance muscle mass to
    sure parts of your back, altering your beginning position might help you do this as it’s such a flexible exercise.
    Muscle and restoration is an net site devoted to serving to you exercise and attain your train goals ache free and as efficiently
    as potential.
    Then, going through the pinnacle forwards, bracing the core,
    pulling the shoulders down and leaning the torso slightly again, the
    lifter pulls the bands to the sides of their torso.
    To perform a repetition of the Pendlay row, the lifter will first
    set a loaded barbell on the ground instantly over their mid-foot, as if setting up for a deadlift.
    On the alternative finish of the spectrum to the Yates row, the Pendlay row options a much more horizontal torso orientation in order to maximize again muscle contraction and range of motion. In comparison to bent over rows, Yates rows excel at loading capability, engagement of
    the biceps brachii and diffusing strain away from the lower back.
    The train engages your shoulder joint and also involves scapular retraction. While you’re doing
    the motion, a selection of neutralizing muscular tissues
    hold your physique in place.
    Moreover, since the handles on a suspension coach are separate
    from one another, you achieve entry to an prolonged vary of motion, which is superb for back
    hypertrophy. Whereas with an inverted row, you are forced to cease when the chest hits the bar.
    Moreover, it’s a barbell motion, so when you don’t have access to a
    barbell, you’re out of luck. Lastly, for those who have a muscular/strength imbalance, bilateral exercise
    isn’t best.
    To replace the resistance training rowing machine you can do bent-over
    resistance band rows or a few of the other row variations.
    The Pendlay row is a variation of the barbell row but performed
    with the back completely parallel to the bottom. This is more of a power motion and
    is sort of like a “deadlift row”, in that you’re bringing the bar to the ground to a dead cease every rep.
    The Hammer Strength excessive row allows you to work your back muscles from a singular
    diagonal angle. This allows you to get a perfect range of movement, extension, and contraction. You also can work the lats either bilaterally or unilaterally on this machine.

    The purpose being is that this exercise has a
    very similar setup to the bent-over barbell row; nevertheless, your arms are in a
    impartial position as opposed to pronated. Inverted rows are a compound horizontal pulling movement where the exerciser suspends themselves chest-up from a bar or similar object.
    This permits for them to fairly actually row their own body – acting as an effective substitute in conditions the place no barbell or different types of equipment are present.
    In comparison to bent over rows, the T-bar row locations a larger emphasis on the
    latissimus dorsi and targets the back stabilizer muscle tissue to a
    slightly larger extent. Pendlay rows are similar to bent-over rows,
    however they’re slightly simpler in your lower again. With Pendlay
    rows, you set the bar down on the floor between reps, giving your again and grip a brief relaxation.

    References:

    bodybuilding before steroids (Marilou)

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