Agar aap ek safe, tax-free aur guaranteed return wala investment dhundh rahe hain, toh PPF (Public Provident Fund) aapke liye sabse behtar option ho sakta hai. Yeh ek government-backed savings scheme hai jo har aam aadmi ke liye banai gayi hai.
PPF Kya Hota Hai?
PPF ka full form hai Public Provident Fund. Yeh Indian Government dwara chalai jaane wali ek long-term savings scheme hai. Isme aap har saal paisa jama karte hain aur 15 saal baad ek bada amount milta hai — woh bhi poori tarah TAX FREE!
PPF Ki Mukhya Visheshatayen
- Interest Rate: 7.1% per annum
- Minimum Deposit: Rs.500 per saal
- Maximum Deposit: Rs.1,50,000 per saal
- Lock-in Period: 15 saal
- Tax Benefit: Section 80C ke tahat Rs.1.5 lakh tak deduction
- Returns: Poori tarah Tax Free
- Risk: Zero — Government Guarantee
PPF Ka EEE Status — Tehra Tax Benefit!
PPF ko EEE (Exempt-Exempt-Exempt) category mein rakha gaya hai:
- E1: Invest karte waqt Rs.1.5 lakh tak Section 80C mein tax chhoot
- E2: Interest par bhi koi tax nahi
- E3: Maturity par poora paisa tax free
PPF Account Kahan Kholein?
- Post Office
- SBI, PNB, Bank of Baroda, Canara Bank
- ICICI Bank, HDFC Bank, Axis Bank
- Online — Net Banking se ghar baithe
PPF Calculator — 15 Saal Mein Kitna Milega?
| Saal Mein Invest | 15 Saal Baad Milega |
|---|---|
| Rs.6,000/saal | ~Rs.1,62,000 |
| Rs.24,000/saal | ~Rs.6,50,000 |
| Rs.60,000/saal | ~Rs.16,27,000 |
| Rs.1,50,000/saal | ~Rs.40,68,209 |
PPF Withdrawal Rules
- Partial Withdrawal: 7 saal baad allowed
- Full Maturity: 15 saal baad poora paisa tax free
- Loan Facility: 3rd se 6th year ke beech loan le sakte hain
- Extension: 15 saal ke baad 5-5 saal ke liye extend kar sakte hain
PPF vs FD vs Mutual Fund
| Feature | PPF | FD | Mutual Fund |
|---|---|---|---|
| Returns | 7.1% | 6-7.5% | 10-15% |
| Risk | Zero | Very Low | Medium |
| Tax | Tax Free | Taxable | LTCG 10% |
| 80C Benefit | Haan | 5yr FD mein | ELSS mein |
FAQ
Q1. Kya PPF mein har saal invest karna zaroori hai?
Haan, minimum Rs.500 har saal daalna zaroori hai — warna account dormant ho jaata hai aur Rs.50 penalty lagti hai.
Q2. Kya 15 saal se pehle PPF band kar sakte hain?
Sirf special cases mein — serious illness, higher education ya NRI ban jaane par. 1% interest penalty lagti hai.
Q3. Ek se zyada PPF account khol sakte hain?
Nahi. Ek aadmi sirf ek PPF account rakh sakta hai. Apne minor bachche ke naam par alag khol sakte hain.
Q4. PPF ka interest kab milta hai?
Har saal 31 March ko credit hota hai. Mahine ki 5 tarikh se pehle paisa daalein — zyada interest milega!
Nishkarsh
PPF un logon ke liye behtareen investment hai jo zero risk, tax saving aur guaranteed returns chahte hain. Aaj se hi Rs.500 se shuruat karein! Aisi hi upyogi jankari ke liye MoneyControl24.com par aate rahein.
