Post office ki ek aur faideman investment scheme,
Public Provident Fund (PPF): Apna Bhavishya Sambhalo
Public Provident Fund (PPF) Bharatiya sarkar dvara chalayi jaane wali ek prasiddh bachat yojana hai. Yeh long-term investment scheme hai jo individuals ko apne bhavishya ke liye financial security pradaan karti hai. PPF yojana post office aur authorized banks ke through available hoti hai aur ise 1968 mein launch kiya gaya tha.
1) PPF Account Kholna:
PPF account kholne ke liye aapko sabse pehle ek application form bharna hoga. Aap is form ko post office ya authorized bank se prapt kar sakte hain. Is form mein aapko apne personal details jaise naam, pata, janm tithi, aur aadhar card number jaise information deni hogi. Aapko apne KYC (Know Your Customer) documents jaise passport size photos, ID proof (aadhar card, voter ID, driving license), aur address proof (electricity bill, passport, ration card) bhi submit karna hoga.
2) Investment Limit:
PPF mein minimum aur maximum investment limit hai. Har financial year mein aap minimum Rs. 500 aur maximum Rs. 1.5 lakh tak invest kar sakte hain. Aap ek saal mein ek baar ya fir lump sum amount deposit kar sakte hain. Iske alawa, aap PPF account mein minimum contribution ke bina bhi account active rakh sakte hain, lekin agar aap minimum contribution nahi karte hain to aapko account ko dormant (soya hua) declare kiya jayega.
3) Lock-in Period:
PPF account ka lock-in period 15 saal ka hota hai, jiska matlab hai ki aapko apne paise ko kam se kam 15 saal tak rakhna padega. Iske baad aap apne account ka maturity amount withdraw kar sakte hain. Lekin yadi aap chahein to lock-in period ke baad account ko extend bhi kar sakte hain 5 saal tak. Lock-in period ke dauran, aap partial withdrawal bhi kar sakte hain, lekin iske specific rules aur limits hote hain.
4) Interest Rate:
PPF yojana ka interest rate har saal government dvara declare kiya jata hai. Interest rate aam taur par market conditions aur economy ke anuroop badalte rehte hain. Interest rate current market ke hisab se fixed kiya jata hai aur ise har saal revise kiya ja sakta hai. PPF ka interest rate usually fixed income instruments ke mukable adhik hota hai. Historically, PPF interest rate 7-8% ke beech mein raha hai.
5) Tax Benefits:
PPF yojana mein aapko tax benefits bhi milte hain. PPF mein kiye gaye investment aur interest amount dono exempt hote hain Income Tax Act, 1961 ke tahat. Iska matlab hai ki aap apne PPF ke contributions par tax saving kar sakte hain. PPF mein invest kiye gaye paise aapko Section 80C ke antargat deduction provide karte hain.
6) Loan Facility:
PPF account holders ko loan facility bhi pradaan ki jati hai. Aap apne PPF account mein 3rd financial year tak loan ke liye eligible hote hain. Loan amount ki limit aapke account balance ke 25% tak hoti hai, jo aap withdraw kar sakte hain. Loan ka interest rate aapke PPF account ke interest rate ke 2% adhik hota hai. Loan ke liye aapko kuch documents submit karne hote hain, jaise loan application form, promissory note, aur collateral security.
7) Account Transfer:
PPF account transfer facility bhi available hai, jiski madad se aap apne PPF account ko ek branch se dusri branch ya ek post office se dusre post office mein transfer kar sakte hain. Iske liye aapko transfer application form bharna hota hai aur saath hi aapko KYC documents aur existing PPF passbook bhi submit karna hota hai. Transfer process usually 1-2 weeks tak ka samay le leti hai.
8) Nomination Facility:
PPF account mein nomination facility bhi hoti hai. Aap ek nominee ko select kar sakte hain jo aapke PPF account ke case mein nominee ke roop mein act karega, yani ki aapke nidhan hone par account ka ownership nominee ko transfer kiya jayega. Aap apne PPF account mein ek ya multiple nominees ko select kar sakte hain aur unke liye shares specify kar sakte hain.
9) Maturity and Withdrawal:
PPF account ka maturity period 15 saal hota hai, jis ke baad aap apne account ka poora balance withdrawal kar sakte hain. Aapko maturity tak koi additional contribution nahi karna padta hai. Withdrawal ke liye aapko PPF maturity form submit karna hota hai. PPF account ka maturity amount aapko lump sum ya multiple installments mein withdraw karne ka option hota hai. Withdrawal ke dauran taxable amount se related rules aur restrictions hote hain.
PPF ek popular aur secure long-term investment option hai jisme aap apne bhavishya ke liye dhan jama kar sakte hain. Ismein investment limit, lock-in period, interest rate, aur tax benefits provide kiye jate hain. Loan facility, account transfer, aur nomination facility bhi PPF account holders ke liye uplabdh hai. Maturity tak aap apne account ka balance withdraw kar sakte hain. Yeh yojana aapko stable returns aur tax benefits ke saath financial security pradaan karti hai.
Lekin, PPF account kholne se pehle aapko apne financial advisor se salah leni chahiye aur apni financial goals aur situation ko samajhna chahiye.
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