Short term Debt

He short term debt hi pawisa mamawh thut theih, tam tham si thla 1 emaw, thla 2 leh thla 3 chhung lo dah zawk nana hman a ni. A awmzia chu kan pawisa te hi Loan angin sawrkar (Central Sorkar &State sorkar), company leh Deptt. Lian  te hnen ah an pawisa mamawh zual lo phuhruk nan an puk ta thin a ni. Heng bakah hian money market an ti a, Certificate of deposit, treasury bonds,  commercial paper etc ah te an dah bawk. A risk involve hi chu a interest rate tla hniam thei hi a ni deuh tawp. A tlak hniam ber ah 6% p.a vel ani tlangpui. A sang lamah hi chuan a tlangpui in 12-17% p.a vel an hawlh phak thin bawk.

A interest hi kum khat bi emaw, thla khat, quarter khat emaw a chhiar lovin nitin angin an chhiar ta zok thin a, kar khat lek dah pawn kan interest hmuh tur ang kha kan hmu ngei ngei thin a ni. Rs. 1 crore dah tling lo te tan hian thla 3 chhunga an capital zong zong nena an withdraw chuan 0.25% te an charge ve thin, hemi charges a hi chu company a zirin a tlem in a tam thei. A then charge miah lohna company te pawh a awm ve tho bawk. A tir dah luh senso ( management expenses) atan hian 2.25% vel an charge ve thin bawk. Hei pawh hi company a zirin a tlem in a tam thei bawk.

Kan va dah theih dan chu hetiang interest rate pe tha leh la pe tha thei tur te lo zir chianga, Govt. policies te nen lama lo zir chiang chunga company indin Mutual Fund ani thin. Mutual Fund tih hian company share investment ngawr ngawr hi an khawih bik lova. A then hetiang ringawt buaipui na Fund te pawh a awm ve leh zel a ni. A thenin Monthly Income Scheme an tia, thla tin an interest rate hmuh an gang pe chhuak in an thawk a, a then company share ringot a invest kum tam tak nghah ngai te anni bawk. Fund hi chi hrang hrang 300 chuang teh meuh India ramah hian a awm a ni.

Mutual Fund (short term debt) enkawl tute pawh hi 30 chuang daih an awm bawk. An performance a zira pawisa lo dah na tur zir chian vet e pawh angai ve thin bawk.

Pension atana an pawisa dah bakah ah hian mamawh thut theih (vanduaina tawk te) lo cover zung zung nan emergency fund hi employer  ang te chuan an neih ngei a ngai awm e. Chuan a vanduai tawk te atang khan an recover leh ta mai thin a ni. Insurance or pension sheme atanga an dawn tur atang khan anlo cut sak leh ta zawk thin a ni, emergency fund atanga anlo pek chhuah tawh pawisa kha.

Saving A/C nge Short term Debt tha zawk lo tehkhin ila;

1. Saving a/c ah chuan 3.7 approx% p.a chiah  ani. Short term Debt ah chuan a chhe berah 6% p.a, a tha lamah 12-17%p.a

2. Saving bank ah hian charges a awmlo  nanga a return hi a chhiat em avangin Short term debt atluk lo. A chhan chu STD(short term debt) ah hian 2.25% pawh lo charge se, an interest rate pek hi a tlem berah 6% vel a ni ta a, ala return theih chu 3.75%p.a ala nit a tho tho.

3. Saving a/c atang chuan a ni la la in sum hi lakchhuah theih nghal a ni. STD ah ve thung chuan online transaction a nih chuan ni 3 vel angai thin. Tin, holiday ah transfer theih a nilo bawk. Cheque atanga dawng tur pawn  ni 3 chhungin cheque an release ngei bawk ang, kan va dahna Mutual fund te khan.