Public Provident Fund Kya Hai Isme Saving Kaise Kare Iske Benifit In Hindi

Public Provident Fund Kya Hai Isme Saving Kaise Kare Iske Benifit In Hindi

Yadi aap koi job karte hai aur apka bank me acount hai toh apke  liye Public Provident Fund  ke bare me jana bhut jaruri hai Public Provident Fund (PPF) ek  fature savings investment option hai jiske dwara hum market me paise invest karte hai. yah fature ke liye ek investment option hai jis se aap apni fature ki financial protection kar sakte hai aur Public Provident Fund ek bahut hi badiya tax free saving retiremnet option hai . Public Provident Fund aapko tax free intrest offer karta hai. Public Provident Fund ek bahut hi badiya tarika hai jiske dwara aap apne aane wale kal ke liye bina tax diye intrest paa sakte hai.

Aaj Middle class people’s ki life me financial Problem rahti hai iska ek hi ilaj hai ki hum smart tarike se paiso ki saving kare tabhi future me kuch accha ho payega jo hum chahte hai. Those thode paise save karke aap kuch saal baad bada amount create kar sakte hai.Public Provident Fund  investment option se hum 15 saal investment kar ke apne khate me double paise bana sakte hai, aur Kuch log paise to bachana chahte hai par bacha nahi pate unke liye ppf account best way hai, isme khata khulwa ke aap thode saal me apne dreams pure kar sakte hai. aaj hum janenge ppf account kya hai    aur aaj ham apko Public Provident Fund se related har ek chiz ke bare me btayenge iske sath sath aapko ye bhi btayenge ki Public Provident Fund ka acount kaise  open hota hai. aur aapko ye bhi btayenge  ki aap Public Provident Fund  se jyada se jyada intest kaese le sakte hai. toh phle Public Provident Fund ke bare me thoda jaan lete hai.

PPF Account Kya Hai or Fayde ( what is a ppf account and benefits )

1968  me National saving institute of the ministry of finance by central government ke dwara ye scheme start ki gyi thi . jis se bank aapko 15 saal ke liye ek ppf -public provident fund account ki scheme provide Karte hai, iska dusra naam  bhavishya nidhi hai kyoki yah fature ke liye saving plan hai . yah job karne wale employee ke liye ek best low or risk free investment option hai.

Feature

1.  Is Account ko hum 500 rupay se open karwa sakte hai, aur  saal me hum minimum 500 rupay or maximum 1.5 lakh deposit kar sakte hai. Aapke pass kitne bhi paise kyu na ho saal me maximum 1.5 lakh se jyda paise jama nahi karwa sakte. iski yah ek limit hoti hai.
2. Public Provident Fund ek saving  option hai jo benefit bhi provides karta hai.Jama paiso pe 7.9℅ interest ( 1 april 2017 current rate ) milega jo bilkul tax free hoga or withdrawal ka charge bhi nahi lagega. 1 april 2016 me 8.10℅ interest diya jata tha.
3. Public Provident Fund India  me apna acount ka koi bhi Naagrik bahut hi aasani se open kar sakta hai.
4. Public Provident Fund ko 15 saal ke liye open karwa sakte hai.aur iski puri jimmedari bharat sarkar leti hai.
5. Public Provident Fund me deposit Saal me 12 instalment me  hoti hai matlab aap year me 12 baar Paise deposit kar sakte hai. Aap monthly, quarterly, half yearly ya yearly 1.5 lakh se niche or few hundred se apni Marji se jitne chahe utne deposit kar sakte hai. lekin aap limit ko cross nhi kar sakte hai.
6. Public Provident Fund me   Aapko 3 saal baad apki investment ke hisaab se bank se loan bhi mil sakta hai. aur Paiso ki jarurat padne pe 7 saal baad withdrawal kar sakte hai, iske liye aapko koi charge nahi lagega.
7.  Public Provident Fund ek bahut hi badiya investment scheme hai. Public Provident Fund me invest karne me aapko kisi bhi parkar ka koi risk nahi lena padhta hai. aap Public Provident Fund me low investment se bhi start kar sakte hai.
8. Public Provident Fund me  aap 15 saal baad maturity date khatam hone pe aap 5 saal or bada sakte hai. Aap 1-5 date me paise account me diposit kar de kyu ki closing date 1 se 15 hoti hai.

Benefits

1.  Public Provident Fund me investment karke aap fature ki financial need ko pura kar sakte ho jaise Baccho ki padhai or marriage ke liye paiso ki jarurat ko pura kiya ja sakta hai.
2. Yadi aap aaj  30 se 35 year ke hai or aapka koi nahi hai to budhape me jeene ke liye paise bacha sakte hai.
3. Yadi  Aap job/business karte hai to month ke 500×12=6000rs bacha ke 15 saal me interest ke sath ₹177484 bana sakte hai.
4. Fature uncertain hota hai pta nhi kab kya ho jaye isliye fature ke liye yah ek best saving plan hai. yah apke fature ke liye financial protecton hai.
5. Aap satdy karte hai to kam se kam per year 5000rs deposit karke 15 saal me interest ke sath bada amount bana sakte hai.

Public Provident Fund  Interest Rate History

Financial Year Interest rate (p.a.)
2017-2018 7.9%
2016 – 2017 8.1%
2015 – 2016 8.7%
2014 – 2015 8.7%
2013 – 2014 8.7%
2012 – 2013 8.8%
2011 – 2012 8.6%
2010 – 2011 8.0%
2009 – 2010 8.0%
2008 – 2009 8.0%
2007 – 2008 8.0%
2006 – 2007 8.0%
2005 – 2006 8.0%
2004 – 2005 8.0%
2003 – 2004 8.0%
2002 – 2003 9.0%
2001 – 2002 9.5%
2000 – 2001 11.0%

Public Provident Fund Acount kaise Aur kaha Se Open karaye

Yadi apko Provident Fund acount open karna hai to aap Public Provident Fund ki nayi guidelines ke anusaar aap kisi post office se open kar sakte hai. Aap kisi bhi goverment post office se apna acount open kar sakte hai. jab koi person post office me jaa kar Public Provident Fund ke form ko bhar kar submit karke post office me jama kar dete hai. Uske baad post office ke log sabhi Public Provident Fund acount ke form ko collect karke. Uske uss bank me send kar dete hai jisse bank se apne Public Provident Fund account open karne ke liye apply kiya hota hai. Bahut se post office me online acount ki facilities bhi hai jaha par woh sabhi form direct bank me send kar dete hai.

Agar aap apna Public Provident Fund acount bank se open karna cahte hai. Tab aap bank se bhi open kar sakte hai. Bank se Public Provident Fund account open karna post office se jayade assan hota hai. toh yadi aap acount open kerwana chahte hai. to aap online bhi acount open kar sakte hai .Aap online websites se government dwara authorized bank me Public Provident Fund account open karne ke liye form fill kar sakte hai, sabhi banks ki policy alag hoti hai naap open karna chahe to bank ki website ya branch me contact kar ke jyda information le sakte hai. aur yah acount open karne ke liye apko kuch jaruri document ki jarurat padti hai.

Public Provident Fund Account Open Karne Ke Liye Kya Kya Chahiye

Public Provident Fund Acount Open Karne Ke Liye jin Document ki Jarurt Hoti Hai woh sabhi Document bahut hi simple Document hote hai. Public Provident Fund Acount Open Karne Ke Liye in chizo ki jarurt padhti hai.

1. Ek identity proof ki original copy jaise- Aadhaar UID card, Pan card, Rental documents/residential proof, driving license, voter id card,etc.
2.  Aur Electricity bill, ration card statement record of bank accounts, aapki singnature proof or bhi documents required ho sakte hai wo aapki bank pe depend karta hai.
3. Aapko chhote size ki  clean passport size photo ki jarurat padti hai.
4. Saving Bank Acount Number Respective Bank
Aur bank pe depand karta hai ki vahe kya document mang le.

PPF Acount Open Karne Wale Bank ki List

Public sector banks Private sector banks
State Bank of India PPF
State Bank of Travancore PPF
State Bank of Hyderabad PPF
State Bank of Mysore PPF
State Bank of Bikaner and Jaipur PPF
State Bank of Patiala PPF
Allahabad Bank PPF
Bank of Baroda PPF
Bank of India PPF
Bank of Maharashtra PPF
Canara Bank PPF
Central Bank of India PPF
Corporation Bank PPF
Dena Bank PPF
IDBI Bank PPF
Indian Overseas Bank PPF
Oriental Bank of Commerce PPF
Punjab National Bank PPF
Union Bank of India PPF
United Bank of India PPF
Andhra Bank PPF
Vijaya Bank PPF
Punjab and Sind Bank PPF
UCO Bank PPF
ICICI Bank
Axis Bank

Public Provident Fund Account se Paisa Kaise Withdraw Karte Hai

Yadi apko jarurat hoto toh aap period pura hone par Public Provident Fund Acount se sare paise ek sath nikal sakte hai. aapko sare paise ek sath nikalne ke liye ke liye time period ko pura karna hoga . jaise ki agar aapne apne acount ko 10 year ke liye lock kiya hai to aapko pure paise Withdraw karne ke liye 10 year ka wait karna hoga. 10 saal se pahle aap apne acount se kuch paise nikal sakte hai. aapke acount me deposit kiye gaye paise me har saal intrest badhta rahega

Iske sath sath ek badiya scheme ye bhi hai ki agar aap 5th april ko apne acount me deposite karte hai to aapko 1 saal ke bajaye aapka 11 moth me hi intrest pura ho jayega. yadi aap apne acount ko 15 year ke liye lock kiye hai aur aapko 15 saal se pahle hi paise ki jarurt hai to aapko apne paise ko Withdraw karne ke liye kam se kam 7 year wait karna hoga. 7 year ke baad hi aap apne Public Provident Fund Acount se paise Withdraw kar payege. Agar aap pure paise ke bajaye thode paise ko Withdraw karna cahte hai to aap har saal me ek baar Withdraw kar sakte hai. lekin bich me aap pure paise nhi nikal sakte hai . apko time period ka wait karna hoga .

Toh yah ek best fature saving investment plan hai . yadi koi apne fature ke liye financial protection chahte hai to aap iske andar investment kar sakte hai. yah ek dem safe aur high return investment plan hai jiske andar aap thodi thodi investment ke sath achii savings kar sakte hai.

Umeed hai ki hmare dewara di gyi jankari apke kaam ayegi aur janakri achii lage to apne dosto ko bhi share kare.

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