Aaaj ki dunia mai chooti ho ya bari,paisey ko bachaney ki bahut sarey rastey hai,ishi rastey mai se ek post office saving schemes bhi bahut mahatwa Purna vumika nivata hai ishi liye Aaj hum Post office ki kuch mukhya savings schemes k barey Mai discuss karengay
Post Office Savings Account (POSA) ek aam aur prachalit savings scheme hai.
Ismein aap ek savings account khole sakte hain Post Office mein.
Minimum balance requirement ₹500 hai aur aap ₹1 lakh tak jama kar sakte hain.
POSA mein interest rate fixed hota hai aur quarter mein update hota hai.
Aapko ek passbook milta hai jismein aapke transactions ki details darj hoti hain.
Ismein deposits aur withdrawals ko aap bahut aasaani se kar sakte hain.
2) 5-Year Post Office Recurring Deposit Account (RD):
5-Year Post Office Recurring Deposit Account ek fixed deposit scheme hai.
Ismein aap har mahine fixed amount jama karte hain for 5 years.
Minimum deposit amount ₹10 hai.
Ismein interest rate fixed hota hai aur quarterly compounded hota hai.
Jab aapki RD account mature ho jaati hai, aapko jama kiye gaye paise ke saath interest pay kiya jata hai.
Aap premature withdrawal bhi kar sakte hain, lekin uss case mein interest rate par asar pad sakta hai.
3) Post Office Time Deposit Account (TD):
Post Office Time Deposit Account ek fixed deposit scheme hai.
Ismein aap paise ko fixed period ke liye jama kar sakte hain.
Maturity period 1 year, 2 years, 3 years, aur 5 years tak ho sakti hai.
Minimum deposit amount ₹200 hai.
Ismein interest rate fixed hota hai aur compound interest apply hota hai.
Jab TD account mature ho jaata hai, aapko jama kiye gaye paise ke saath interest pay kiya jata hai.
Aap premature closure ki facility ka istemaal kar sakte hain, lekin uss case mein interest rate par asar pad sakta hai.
4) Post Office Monthly Income Scheme (MIS):
Post Office Monthly Income Scheme aapko regular monthly income provide karti hai.
Iski maturity period 5 years hoti hai.
Minimum deposit amount ₹1,500 hai (single account) aur ₹1,000 (joint account).
Ismein interest rate fixed hota hai aur monthly paid kiya jata hai.
Monthly interest taxable hota hai.
Aap premature withdrawal ki facility ka istemaal kar sakte hain, lekin kuch sharten hai.
5) Senior Citizens Savings Scheme (SCSS):
Senior Citizens Savings Scheme vishesh roop se senior citizens ke liye hai.
Iski maturity period 5 years hoti hai.
Minimum deposit amount ₹1,000 hai.
Ismein interest rate fixed hota hai aur quarterly paid hota hai.
Income tax benefit bhi available hota hai.
Aap premature closure ki permission hai, lekin kuch sharten hote hain.
6) Public Provident Fund (PPF):
Public Provident Fund (PPF) ek lambayi avadhi ki nivesh yojna hai.
Iski maturity period 15 years hoti hai.
Minimum deposit amount ₹500 hai aur aap ₹1.5 lakh tak jama kar sakte hain.
PPF mein interest rate fixed hota hai aur varshik roop se compounded hota hai.
PPF mein kiye gaye nivesh par aapko income tax exemption milta hai.
Aap partial withdrawals aur PPF balance ke against loan bhi le sakte hain, lekin iske liye kuch sharten hote hain.
7) Kisan Vikas Patra (KVP):
Kisan Vikas Patra (KVP) ek lambayi avadhi ki nivesh yojna hai.
Iski maturity period 9 saal 2 mahine hoti hai.
Minimum nivesh rashi ₹1,000 hoti hai.
Ismein interest rate fixed hota hai aur varshik roop se compounded hota hai.
KVP certificates transferable hote hain, jisse aap unhe dusre vyakti ke naam par transfer kar sakte hain.
Premature closure ki permission hai, lekin kuch sharten hote hain.
8) National Savings Certificates (NSC):
Iski maturity period 5 saal hoti hai.
Minimum nivesh rashi ₹1,000 hoti hai.
Ismein interest rate fixed hota hai aur varshik roop se compounded hota hai.
NSC deposits taxable hote hain, jisse aapko un par tax bharna pad sakta hai.
Har ek scheme ki apni sharten, minimum deposit amount, interest rate, aur maturity period hoti hai. Aapko in sabhi factors ko dhyan mein rakhte huye apne financial goals aur requirements ke hisaab se scheme chunni chahiye. Post Office Saving Schemes mein invest karne se pahle, aapko Post Office branch se sahi aur updated information prapt karni chahiye.
In sabhi schemes k barey Mai detail discuss hum next blog Mai karengay...so stay conected
