CRISIL ki rating se depositors ko kya fayda hota hai? 🏦💹 Option: Fixed deposits par milne wala interest rate decide hota hai, Depositors ke decisions par koi asar nahi padta, Debt instruments ki pricing aur trading ke liye benchmark milta hai, Investment par guaranteed return milta hai

**CRISIL ki rating ka asar mainly debt instruments par hota hai, na ki deposit accounts par.** Chalo samajhte hain kyon: * **Debt Instrument Benchmark:** CRISIL ratings se pata chalta hai ki koi company kitni bharosemand hai jab debt instruments jaise bonds issue karti hai. Ye ratings investors ko risk samajhne mein madad karti hain, jisse in instruments ki pricing aur trading market mein hoti hai. * **Depositors par seedha asar nahi:** CRISIL ratings se fixed deposits jaise accounts ki interest rates decide nahi hoti. Banks khud apne factors jaise financial health, market conditions, aur regulations ke hisaab se ye rates set karte hain. **Matlab, CRISIL ratings debt market mein bahut important hain, lekin aam depositors ke decisions par seedha asar nahi dalti.**

Bilkul sahi jawab! **Fixed Deposits** Money Market instrument nahi hain. 👏💡 Money Market instruments ke baare mein kuch interesting facts: - 💨 Ye short-term hote hain, usually 1 saal ya usse kam ke liye - 🔒 Inme risk kam hota hai aur liquidity zyada - 💼 Big companies aur government in instruments ka use karte hain Chalo, ab in options ko samajhte hain: 1. **Treasury Bills (T-Bills)**: - 🏛️ Government ki taraf se jaari kiye jaate hain - ⏱️ 91 days, 182 days, ya 364 days ke liye hote hain 2. **Certificate of Deposit (CD)**: - 🏦 Banks aur financial institutions issue karte hain - 🔄 7 days se 1 saal tak ke liye ho sakte hain 3. **Commercial Paper**: - 🏢 Badi companies apne short-term needs ke liye issue karti hain - 📅 Usually 270 days tak ke liye hote hain 4. **Fixed Deposits**: - 🏦 Ye banks offer karte hain - ⏳ Inki duration usually 1 saal se zyada hoti hai - 💡 Isliye ye Money Market instrument nahi hain! Yaad rakhiye, Money Market instruments ka main goal hai short-term mein paise ko safe aur liquid rakhna. Fixed Deposits long-term hote hain, isliye wo is category mein nahi aate. Toh agli baar jab aap apna paisa invest karne jaayein, to in differences ko dhyan mein rakhiye! 🧠💰

**High Credit Risk Instruments** ke baare mein ye important points: - Credit rating **AA se neeche** hona high risk ka sign hai - Credit risk yaani **borrower ke default karne ka chance** - Credit rating agencies ratings deti hain (jaise AAA, AA, A, BBB, etc.) - Lower rating = Higher default probability Yaad rakhne wali baatein: - High risk instruments usually **higher interest rates** offer karte hain - Ye **compensation** hota hai investors ko zyada risk lene ke liye - Government bonds usually **low risk** hote hain (lekin har case mein nahi) Investment karte waqt credit ratings zaroor check karein. Kam rating = Zyada return, lekin zyada risk bhi! 🎢💸

CRAR yani **Capital Adequacy Ratio** banking ki duniya mein ek bahut important cheez hai! 🎢 - Ye batata hai ki bank kitna **mazboot** hai - Iska matlab hai, bank ke paas kitna paisa hai uske **risky investments** ke hisaab se - Jitna zyada CRAR, utna hi safe bank! 💪 Agar bank ka CRAR kam ho gaya, to samjho bank ki **halat kharab** ho sakti hai. Isliye RBI isko bahut closely dekhta rehta hai. 👀

**Credit Risk Value (CRV)** ek aisa meter hai jo batata hai ki koi borrower ya debt kitna bharosemand hai. - **Zyada CRV ka matlab hai kam credit risk** 🎉 - Iska matlab hai ki: - Paise wapas na milne ka chance kam hai - Financial position mazboot hai - Credit history achchi hai Isliye, jab banks ya investors loan dete hain, toh wo CRV ko dekhkar interest rates aur loan ki terms decide karte hain.

Arre bhai, **fixed deposits** India mein **ekdum safe investment** maani jaati hai! 🤑 Ye itni safe kyun hai? Chalo batate hain: - **Guaranteed returns** milte hain, matlab paisa doobne ka darr nahi - RBI ke chakkar mein rehne wale banks aur finance companies inko back karte hain - Aapka principal amount aur interest rate pehle se hi fix ho jaata hai Toh agar aap risk se thoda dare hue hain aur apna paisa safe rakhna chahte hain, toh fixed deposit aapke liye perfect hai! 💪