HDFC Share vs HDFC Fixed Deposit 2024 – Investing in share market could be risky but investing after proper knowledge and with taking good risk appetite can yeild you higher returns than compared to a fixed deposit or a post office deposit . It is important to understand that you receive fixed rate of return from a fixed deposit sacrificing your liquidity and your funds are returned as it is with the return once you invest in it . But in share market you can receive more than expected return .
In this article , we shall be discussing more about how you can invest for more returns with HDFC share and can work on a higher return asset other than fixed deposit which provides an assured return. What risks are associated with HDFC share investment for long time other than HDFC fixed deposit.
Investing in share market can be done through a demat account where an investor can invest in share market in different shares or mutual funds which provides a decent return to the investor at some point of time . Investing in share market requires knowledge of the company and the financial results the company provides . For instance , if you purchase Amul milk then you can think that in the life time Amul milk company will going to sustain and work on its business you can invest in its stock and can receive decent returns out of their profits or share value.
HDFC Share is one of top banking entities in India and is the largest part of BankNifty and investing in Hdfc Bank equity can be done directly through Demat account .
Investing in HDFC Fixed deposit can be done by opening a bank account with HDFC Bank or by applying for a digital fixed deposit with the bank where the bank uses your money for the term and provides you with the highest return for the longest term.
It is easy to understand that for higher returns you will choose a more secure and high profitable asset class. In case of HDFC Share , all those who are looking for making an Fixed deposit with the bank and receive a 3 year return of 6 to 7 percent on annual basis can invest directly in HDFC Share price .
The HDFC share is the key determinant of market movement and also can receive higher returns anytime compared with HDFC Fixed deposit . As it is a business, if the market does not perform well even the share provides a minimum return of 4 percent which is certainly good compared to fixed deposit in terms of liquidity.
Growing money in share market is easy if you do some smart work check now …
Investing in HDFC Fixed Digital Deposit
HDFC Fixed deposit is all about just lending your money to HDFC Bank for a term and in return the bank will return your interest and principal after the term . Investing in HDFC Fixed deposit is good for old people and all those who cannot earn or bear higher risk .
While for those who are earning or have multiple sources of income can ignore HDFC Fixed deposit which in worst cases can provide a maximum of 8 percent return to the highest .
It is easier to compare on large few years basis ,that banking stocks always get to a higher move with inflation in the market as the market grows with prices going up . So in HDFC Share investment it is easy to expect returns of more than 10% within a year and to more than 15% average in term of 3 years.
While in fixed deposit , HDFC provides only return of fixed rate @ 6.5 or at maximum 8 percent to its investors without having any issues with the capital of the investor.
The bank uses the funds of the depositor entirely and generates for the return in the same way lending and investing the funds provided by us.
There is high risk involved in investing in HDFC Share because it is one of the most volatile stock with over 10 million daily buyers and sellers. So , it is necessary that you choose this stock with an average holding duration of 6 months or 1 year and to the maximum holding risk of minus 10 percent or plus 10 percent within one year and 15 percent returns within next year or so.
In HDFC Fixed deposit their is no risk of capital loss while if your fixed deposit is more than 1 crore you cannot withdraw the entire amount in the same year or can confirm from the bank for the withdrawal options when in need.
Smart Car Drivers can now earn easily Rs 35000 to Rs 50000 per Month check now .
Conclusion
All in all , with increasing inflation in India and higher medical cost it is essential to become a smart investor and start taking risk in equity market for higher returns than the basic returns provided by bank Fixed deposits. If you are young you can definitely go for higher returns in investing in HDFC Bank for longer term and also you can invest partial amount in HDFC Fixed deposit as emergency fund for keeping your balance maintained.