Question

how does surplus money is utilised

Answer 1

by spending in business

Answer 2

Two of the most well-known utilizations are:

- Paying down your debt

- Investing the surplus

Paying down any debt you may have is, for the most part, the main alternative considered when choosing what to do with a money surplus. Legitimately so in light of the fact that a transient venture of your money surplus isn't probably going to yield a return equivalent to or more prominent than the rate of premium you're paying on any of your debt.

When investing a money surplus, it's just normal to look for the most noteworthy rate of profit for your venture. Four components must be considered when settling on your speculation choices:

- Risk 

- Liquidity

- Maturity

- Yield