FD වෙනුවට Treasury Bills ගමුද?

[AEG]

my point
if normal FD gives you 16% for 3 months and treasury bills only about 20% for 3 months or ?

example.
FD rate ( 16% for 3 months )100,000 x 16/100 = 16000 after 3months for FD? or its 16 % for 12 months and 16000/12 =1333 x 3 = 4000 after 3months?

treasury bills 20% , same as FD? or after 3 months will get 100,000 x 20/100 = 20,000 ?

please explain . podak confused .

fd rate also mentioned per annum ... so for 3 months rate is only 16% /3

 

[kinkon]

බම්ප්

 

[earthling]

oka SAFE da bun..?

Safest there is

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primary dealer kiyanne kawu da..?

Registered Banks.. check with commercial bank, seylan, ect
------ Post added on Apr 25, 2022 at 11:35 PM

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fd rate also mentioned per annum ... so for 3 months rate is only 16% /3

FD for 3 months for 12% = 12/4 = 3% for 3 months
TB for 3 months for 20% = 20/4 = 5% for 3 months

And remember that to get 100,000 you only need to pay the amount, minus the interest. Meaning

100,000 x 5/100 = 5,000
100,000 - 5,000 = 95,000

You only need to pay Rs. 95,000 to get a Treasury bill of the face value of Rs. 100,000 where you can cash after 3 months

PS - Pls correct any mistake
------ Post added on Apr 25, 2022 at 11:47 PM

 

[AZee RoXx]

Safest there is

---

Registered Banks.. check with commercial bank, seylan, ect
------ Post added on Apr 25, 2022 at 11:35 PM

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FD for 3 months for 16% = 16/4 = 4% for 3 months
TB for 3 months for 21% = 21/4 = 5.25% for 3 months

And remember that to get 100,000 you only need to pay only the amount, minus the interest. Meaning

100,000 x 5.25/100 = (5,250) x 3 = 15,750
100,000 - 15,750 = 84,250

You only need to pay Rs. 84,250 to get a Treasury bill in the face value of Rs. 100,000.

You pay 84,000 to get a TB of Rs. 100,000 which you can cash after 3 months

PS - Pls correct any mistake
------ Post added on Apr 25, 2022 at 11:47 PM

from where we can cash this?

 

[earthling]

from where we can cash this?

Withdrawals
Once a formal request is forwarded to the Treasury Department, your Treasury Bills will be discounted based on the market rates.

https://www.combank.lk/personal-banking/term-deposits/treasury-bills

 

[HAneo]

මචං මෙහෙමයි බලන්න inflation එක දැන් NCPI එක 21% විතර ඒ නිසා 20% ට වඩා rate එකක් හොයාගන්න වෙනවා. දානවා නම් මාස 3 කට වඩා දාන්න එපා. මැයි වල වැඩිවෙයි කියලා කියනවා. හැබැයි sure නෑ.
https://www.cbsl.gov.lk/en/measures-of-consumer-price-inflation

NCPI , CCPI kiyana seen eka poddak wisathara karala depanko machan

 

[nadman]

NCPI , CCPI kiyana seen eka poddak wisathara karala depanko machan

NCPI(National Consumer Price Index) කියන්නේ ලංකාවේ භාණ්ඩ හා සේවාවන් වල මිල වැඩිවීමක් පෙන්වන indicator එකක්. ඒ කියන්නේ යම් භාණ්ඩ වල මිලයේ වෙනසෙහි ප්‍රතිශතය ගෙන එම වෙනස් වූ ප්‍රතිශතවල මාතය ගණනය කිරීම.

CCPI(Colombo Consumer Price Index) කියන්නේ එකම තමයි හැබැයි ලංකාවම බලන්නේ නැතුව කොළඹ දිස්ත්‍රික්කයේ භාණ්ඩ හා සේවාවන් වල මිල වැඩිවීමක් පෙන්වන indicator එකක්.

 

[HAneo]

NCPI(National Consumer Price Index) කියන්නේ ලංකාවේ භාණ්ඩ හා සේවාවන් වල මිල වැඩිවීමක් පෙන්වන indicator එකක්. ඒ කියන්නේ යම් භාණ්ඩ වල මිලයේ වෙනසෙහි ප්‍රතිශතය ගෙන එම වෙනස් වූ ප්‍රතිශතවල මාතය ගණනය කිරීම.

CCPI(Colombo Consumer Price Index) කියන්නේ එකම තමයි හැබැයි ලංකාවම බලන්නේ නැතුව කොළඹ දිස්ත්‍රික්කයේ භාණ්ඩ හා සේවාවන් වල මිල වැඩිවීමක් පෙන්වන indicator එකක්.

Thanks machan

 

[-333-]

Api Bank ekaking demoth bank eken ma withdraw karanna beri da...?
wena kohen hari da karanna ona..?

 

[Cheranga Dharmasena]

BUMP...!!!

 

[CoolMan88]

online banking walin owa ganna berida?

 

[TechnWeb]

Owa gananwa nam cse eke stock ganiddi wage secure da mokadda account ekak hadala ganna eka hodai. Bank ekata kiwana hadala dei ehema nathuwa gattot bankuwa vahuwoth salli ne. Habai kohoma gattat anduwa gewwe natnam salli ganna be neda?

 

[earthling]

online banking walin owa ganna berida?

Can. If you choose commercial bank, you can use their app

 

[tha123]

Can. If you choose commercial bank, you can use their app

commercial digibank eke baha neda??? mma bluwaa hmbune nhne kramayak...

 

[earthling]

commercial digibank eke baha neda??? mma bluwaa hmbune nhne kramayak...

Can
https://youtube.com/clip/UgkxrVarh9LES4cgqZu1dZvRlG66R2K1i1XM

 

[CondomWisdom]

Safest there is

---

Registered Banks.. check with commercial bank, seylan, ect
------ Post added on Apr 25, 2022 at 11:35 PM

---

FD for 3 months for 12% = 12/4 = 3% for 3 months
TB for 3 months for 20% = 20/4 = 5% for 3 months

And remember that to get 100,000 you only need to pay the amount, minus the interest. Meaning

100,000 x 5/100 = 5,000
100,000 - 5,000 = 95,000

You only need to pay Rs. 95,000 to get a Treasury bill of the face value of Rs. 100,000 where you can cash after 3 months

PS - Pls correct any mistake
------ Post added on Apr 25, 2022 at 11:47 PM

In addition, you might be abel to cash out early by selling the Tbill to someone else, but the demand may be less or high depending on the ongoing TBill rates.

Auction usually happens on wednesday.

Say we bough 3 months tbills last week at 21%.
This week if they issue another set for 24%,

People would sought 24% bills over 21%, so you might have to sell yours at a lesser rate than 21% due to lesser demand.

Same way if the trend of the rate shows a decline, say this week 20% and so on, people would sought the ones at 21% which were giving a higher rate.

 

[cd4ever]

In addition, you might be abel to cash out early by selling the Tbill to someone else, but the demand may be less or high depending on the ongoing TBill rates.

Auction usually happens on wednesday.

Say we bough 3 months tbills last week at 21%.
This week if they issue another set for 24%,

People would sought 24% bills over 21%, so you might have to sell yours at a lesser rate than 21% due to lesser demand.

Same way if the trend of the rate shows a decline, say this week 20% and so on, people would sought the ones at 21% which were giving a higher rate.

so 20% per 3 months is not secure amount ? is that case FD is secure ryt .

 

[CondomWisdom]

so 20% per 3 months is not secure amount ? is that case FD is secure ryt .

20% in both cases is per anum (12 months).

TBills are the safest instrument between the two in theory, because you get goverment's guarantee that they'd pay at the maturity. But the catch is you have to wait whole 3 months to redeem at the promissed rate. I don't know the conditions and consequences of premature redemption of FDs.

 

[-333-]

Meketh rates adu karala.
21% - > 16 /17% karala

 

[-333-]

Meketh rates adu karala.
21% - > 16 /17% karala

bum