Senior citizens saving scheme: Post Office Mein Nivesh Karne Ka Safal Vikalp
Bharat mein senior citizens ke liye samriddh aur surakshit nivesh ka mahatvapurna sadhan Senior citizens Bachat Khata hai, jo Bharatiya Dak Vibhag dwara prabandhit kiya jata hai. Yah bachat khata un vyaktiyon ke liye hai jo 60 varsh se adhik umar ke hain aur ek lambe samay tak sthayi aamdani ka labh uthana chahte hain.
Senior citizens Bachat Khata ke bare mein mahatvapurna tathyon ko samajhne ke liye, iske visheshtao par vichar karte hain:
1) Pramukh Uddeshya:
Senior citizens Bachat Khata ke uddeshya vyaktiyo ko ek surakshit aur takatwar bachat vikalp pradan karna hai. Yah nivesh vyakti ki lambe samay takki aamdani mein sthayitva aur samriddhi ko badhane ka prayas karta hai.
2) Minimum Jama Rashi:
Senior citizens Bachat Khata mein shuruati jama rashi sarkari niyamon par nirbhar karti hai, jise samay-samay par badhaya ja sakta hai. Is samay, shuruati jama rashi ₹1,000 hai, jise badhakar ₹10,000 tak pahunchaya ja sakta hai.
3) Bima Suvidha:
Senior citizens Bachat Khata niveshakon ko avsar pradan karta hai apni bachat ko surakshit karne ke liye. Is khate mein shamil hone par, ek ₹30,000 tak ka mufat bima suvidha pradan ki jati hai. Yeh suvidha sirf khate ke sath judi pratiyogi vyaktiyo ke liye upalabdh hoti hai.
4) Uchit Bhatte Ka Labh:
Senior citizens Bachat Khata par lagu hone wale uchit bhatte dar vyaktiyo ko prati varsh prapt hote hain. Is samay, uchit bhatte dar varshik rup se 7.4% hai, jo Bharatiya Sarkar ke dwara samay-samay par badhaya ja sakta hai.
5) Bhugtan Pranali:
Senior citizens Bachat Khata mein prapt kiye gaye byaj aur uchit bhatte ka bhugtan varshik roop se kiya jata hai. Prati varsh ki takatwar aamdani ki upaj ko mahsus karne ke liye, niveshak ko is khate se apne bank khate mein byaj ka pravandan karwana hota hai.
6) Vyaktigat Chhut:
Senior citizens Bachat Khata mein shamil hone wale vyaktiyo ko vyaktigat chhut prapt hoti hai. Yadi vyakti khate ke 3 varsh tak lagatar jama rashi jama kar leta hai, to use vyaktigat chhut prapt hoti hai. Is chhut ke douran, vyakti jama rashi ke upar byaj prapt kar sakta hai aur khate ko samay par band karne ki aavashyakta nahi hoti hai.
7) Pratishatikaran ki Suvidha:
Senior citizens Bachat Khata mein niveshak ko pratishatikaran ki suvidha prapt hoti hai. Yadi vyakti khate mein byaj prapt karne ke bajaye nivesh ko samay-samay par chhodta hai, to use pratishatikaran ki suvidha upalabdh hoti hai. Is suvidha ke tahat, byaj ke sath sath pratishatikaran ki dar bhi vyakti ko prapt hoti hai.
8) Sampatti Nigrahan:
Senior citizens Bachat Khata ke madhyam se prapt ki gayi sampatti ka niyantran vyakti ke hath mein hota hai. Vyakti khud hi nivesh ki avadharana, jama rashi aur bhugtan pranali ko niyantrit kar sakta hai.
9) Aasaan Prakriya:
Sinior citizen Bachat Khata khulwane ki prakriya saral aur aasaan hai. Vyakti ko ek praman patra, umar ki pramanit pustika, bank khate ki pramanit nakal, aur ek pasport size ki tasveer ki aavashyakta hoti hai. In sabhi dastavizon ke sath, vyakti post office mein jakar Vriddhavastha Nagarik Bachat Khata khulwa sakta hai.
Senior citizens Bachat Khata ek prasiddh aur prabhavi bachat vikalp hai jo senior citizens ko samriddhi aur suraksha pradan karta hai. Yah un vyaktiyo ke liye ek sahaj tareeka hai apni bachat ko badhane ka aur lambe samay tak sthayi aamdani ka labh uthane ka. Post office ke madhyam se is khate ko khulwana aur usme nivesh karna aasaan hai.
Note: Diye gaye tathy aur suvidhayein samay-samay par badal sakti hai. Isliye Vriddhavastha Nagarik Bachat Khata ke bare mein najdiki post office se tatkal aur saksham jankari prapt karna uchit hoga.
Thank You
