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उत्पाद विवरण
बैंक का नाम

Union Bank of India

Eligibility

Assesses who are eligible for exemption under section 54, 54B, 54D, 54F, or 54G of the income tax act 1961.
Depositors themselves have to verify whether the scheme applies to them or not.
Can be opened in any branch other than a rural branch.

ब्याज दर

Up to 7.25% per annum.

कार्यकाल

Up to 3 years.

सावधि जमा प्रकार

Capital Gains

CAPITAL GAIN SCHEME

CAPITAL GAIN SCHEME

कर लाभ

This scheme is specifically designed to help individuals manage the tax implications of capital gains. When you sell assets like shares, real estate, or mutual funds and earn a profit, you may be subject to capital gains tax. This scheme provides a way to invest the capital gains proceeds and potentially reduce the tax burden. Investing the capital gains proceeds in this scheme can help you claim a tax deduction under Section 112A of the Income Tax Act. This deduction can reduce your overall tax liability.

साख दर

ICRA Limited A1+

ब्याज भुगतान आवृत्ति

Quarterly, Half-yearly, At maturity

संचयी/गैर-संचयी

Cumulative

विशेषताएँ
  • The payment of interest shall be done through the Saving Bank account or Term Deposit account.

  • The maximum tenure of this scheme can be 24 months: If capital gains are u/s 54, 54B, 54F of the IT Act (as declared in form A by the depositor)

  • The maximum tenure of this scheme can be 36 months: If capital gains are u/s 54, 54D, 54F, 54G & 54GB of the IT Act (as declared in form A by the depositor).

न्यूनतम निवेश राशि

1,000

फीस और शुल्क
Pros
  • This scheme is specially designed to reduce the tax implications of capital gains.

  • Interest is compounded quarterly.

  • No limit on the maximum deposit amount.

दोष
  • The maximum tenure of deposit is 36 months only.

पक्ष विपक्ष
खाता खोलने की प्रक्रिया और प्रक्रिया
कैसे खोलें?

1. Visit a Union Bank of India Branch: Locate a branch near you and visit during their operating hours.

2. Gather Required Documents: Prepare the following documents:

  • Proof of Identity (Aadhaar card, passport, driving license, voter ID)

  • Proof of Address (Aadhaar card, passport, driving license, utility bill)

  • PAN card (Permanent Account Number)

  • Passport-sized photographs

3. Fill out the FD Application Form: Obtain an FD application form from the bank. Fill in the required details accurately, including:

  • Your personal information

  • Deposit amount

  • Interest payout frequency (monthly, quarterly, half-yearly, or annually)

  • Maturity period

  • Nomination details (optional)

4. Submit the Application and Documents: Hand over the completed application form and required documents to the bank official.

5. Make the Deposit: Pay the deposit amount in cash, cheque, or demand draft.

6. Receive the FD Receipt: Once the deposit is confirmed, you will receive an FD receipt as proof of your investment.

Application Procedure

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