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We can segregate our savings for different financial goals by having multiple savings accounts. For example, you can maintain your emergency fund in one account while you can use other accounts to raise money for your different investments, save for your regular expenses, etc. You can also have a separate account to maintain a fund for all your major EMIs like home loans and car loan repayments. Spreading out your savings will ensure money kept for a specific purpose isn’t used to fund another requirement and may help you meet all your targets in a disciplined manner.

Positives include:
Easy tracking of different types of transactions
Reduced dependency on one bank
Cost-efficient for people with high ATM-usage

Depending on your requirement, you can opt for different types of savings accounts with unique features. For example, some banks offer a higher rate of interest on their savings accounts which makes them good alternatives to fixed deposits that are relatively illiquid and whose returns are fully taxable

Placing all funds in one bank can be risky if the amount exceeds Rs 5 lakh. Depositing the funds in different banks will ensure that each of them is separately covered by insurance. Such accounts can be used as a backup in case of a default by the bank where one has the primary account.

Negatives include:
Maintaining the average/minimum balance in each account
In-efficient use of your funds
Managing and monitoring all accounts
ATM CHARGES

daytradertelugu

Bro miru shorts start chesaka..mana chanel subscribers growth chusthu untey muchata vestundi bro....
Superb.. please continue this...

prasadkcvd

The way you are explaining ....That's awesome brother...Keep going...All the best

vinaykangati

Im from karnataka, your every video is useful to me and also I'm subscribed Ur two Channels even in telegram... Thanks brother to getting financial information. 🙏🙏

maninarayanswamy

Thanks brother for suggestions, I too feel same thing, my husband didn't allow me to open other bank account s, I will share this video to my hubby 👍

tiang

Bank & accountancy gurinchi manchi detailed information istunna account anna nidi.. that too mana Telugu basha lo. Big respect☝🏼

kannepallivmahadev

Anna comment lo pette kante series of short videos cheyochu ga better ga untundi

balumahendra

I have a doubt there were lot of bank accounts for a middle class person. Many accounts were of empty or not using this video was a best usecase where to and why to open bank account by knowing the financial products.

sujith

Anna nen ide ma dad tho cheyistunna iroju me video e concept tho chusaka chala happy anipinchindi 😊

vancedkosam

Miru intha valuable information isthunnaru....chuse vallu automatic ga subscribe cheskuntaru...malli miru enduku ala cheap ga subscribe cheskomani aduguthunnaru...avasaram ledu ....think ...🙂👍

ashokkumar-iqqf

Small finance bank account ela open cheyali...andulo interest ekkuva vastundi..miku telsina manchi small finance banks enti

sridhardasari

Meru chepthae balae vinaalanipistundi anna, , baga explain chestharu

samchai

Broo mee dhantlo chala videos unnai kada knchm salaried person kii savings and investment, etc okka curriculum video cheyandi so avvi 1st chusii start chestha future planning...

rakeshvarma