A deposit is one of the legal ways to get a good income. The modern banking system of Russia is so well developed that citizens have no good reason not to trust banks. Let's talk about the most profitable deposits in Omsk.
3 month deposits
An analysis of various banking offers in Omsk tells us that the interest rate on deposits in rubles ranges from 7.8 to 10.7%. The reason for this spread is difficult to explain. The only thing experts are 100% sure of: all banks are absolutely reliable today.
The minimum profitability is offered by BMbank. Having invested the amount of 10,000 rubles for 3 months, the client will receive an income of 196 rubles in 91 days. Russian Agricultural Bank accepts funds from the population at 8.4%. Thus, the profit of the depositor after 3 months is already 209 rubles. One of the largest Russian banks - VTB - offers its customers an option with a yield of 8.55%. The client will receive a capital gain of 213 rubles. Yes, we see that the difference between these offers is quite small, here the client can choose a bank, based on personal preferences.
The best offer
Where can I get the highest interest on deposits? Omsk is a big city, so a lot of bank branches work in it. The highest yield on three-month deposits was in Uralsibbank (10.7% per annum). With a deposit of 10,000 rubles, the client will take 10,267 rubles in 91 days. This is a very good option, because the income from deposit placement is passive, that is, the investor, without putting much effort, makes money.
Banks of Omsk: deposits for 6 months
Let us analyze what options financial institutions offer their current and potential customers for six months. Note that the most profitable deposits in Omsk for this period have a yield of up to 13% per annum. Why is making a deposit for 6 months more profitable than 3? The fact is that in order to pay money to the client, the bank must receive earnings from lending to the population and enterprises. Money received by the bank from the population as deposits is one of the sources of funds for granting loans.
So, we will consider specific options. The minimum interest rates are offered by BMBank and Rosselkhozbank. These financial institutions give customers 10.1%. But it is more profitable to draw up a deposit at BMbank, because the deposit program is designed for 182 days and the total return on investing 10,000 rubles will be 514 rubles. At Rosselkhozbank a deposit is issued for 180 days, and the client will be able to receive an additional 498 rubles in his hands.
Of the average offers, probably the most interesting programs are offered by Uralsibbank and Home Credit Bank. At Uralsib, funds are deposited for 181 days at 11% per annum. With a standard deposit of 10,000, the client will receive an income of 545 rubles. HCB has developed a deposit program with a yield of 11.5% per annum. The deposit is drawn up for 182 days. Users of banking services who have issued such a deposit will receive 573 rubles. The most profitable contribution for 6 months in Omsk is the program of the Ural Bank for Reconstruction and Development. The deposit is issued for 182 days at 13% per annum. The profit of the depositor will be 640 rubles for every 10,000 placed in the bank.
The most profitable deposits in Omsk for a year
Analyzing the offers of Omsk banks on deposits for 12 months, you can see that by putting money right away for a year, you can earn less than twice a half year. Interest rates range from 5.75 to 14% per annum.
The minimum rate is offered by Russian Standard Bank. Having put 10,000 rubles, the client will earn only 575 rubles. Among the average options, one can pay attention to the deposits of Binbank (10.6% per annum), Promsvyazbank (11% per year), and KhKbank (12.25% per annum). The most profitable deposits in Omsk are offered by the Ural Bank for Reconstruction and Development. The client will issue an annual deposit at 14%. After conducting simple mathematical calculations, we will see that with a minimum contribution of 10,000 rubles, a citizen’s income will amount to 1,400 rubles.