Home / Banking / What is Public Provident Fund (PPF) How to Open Public Provident Fund PPF Account in Hindi
What is Public Provident Fund (PPF) How to Open Public Provident Fund PPF Account in Hindi

What is Public Provident Fund (PPF) How to Open Public Provident Fund PPF Account in Hindi

Public Provident Fund ek Saving Scheme jisme aap apna paisa (money) save kar sakte hai jo aapke future mai use aayega. To aaj hum aapko PPF Scheme kya hota hai aur iska labh (benifit) kaise le sakte hai batane jaa raha hu. Yadi aap Public Provident Fund PPF Scheme ke bare mai janna chahte hai to please es post ko pura padhe.

What is PPF – Public Provident Fund

Public Provident Fund (PPF) ek saving scheme hai jisme aap apna paisa (money) ek nischit (certain) time ke liye jama kar sakte hai aur timeline pure hone ke bad aap interest ke sath apna paisa (money) wapis (return) le sakte ho.

PPF Saving Scheme ek praker (type) ki Tax saving scheme hai iska matlab isme aapko koi Income Tax nahi dena hoga.

Aap Government Bank, Non Government Bank, Post Office, mai PPF Account khulwa (open) sakte hai. Yadi aapka kisi bhi BANK mai SAVING ACCOUNT hai to aap PPF apne khate (account) ke sath khol (open) sakte hai. Aur yadi aapke pas koi bhi Saving Account nahi hai to aap PPF Account khol (open) kar sakte hai.

More about PPF Saving Scheme

PPF saving scheme ki kuch important facts jo aapke dimak (mind) mai chal rahi hogi, wo sari bate aapko batane jaa raha hu.

1. Eligibility

Har ek bhartiya PPF Saving scheme ka labh (benifit) le sakta hai. Aap apna yaa phir aap apne bachcho (children) ka PPF ACCOUNT khol (open) sakte hai. Yadi aapka bachcha (children) 18 years se chota hai to uske parents PPF Account open kar sakte hai.

2. How much can I Deposit ?

Public Provident Fund Scheme mai aap har sal (yearly) Minimum Rs.500 aur maximum Rs.1,50,000 jama (deposit) kar sakte hai. Maximum 1,50,000 prati sal (par year) deposit kar sakte hai usse jyada nahi.

PPF Account mai aapko har sal (yearly) Rs. 500 jama (deposit) karwana hoga aur yadi aap Rs. 500 jama (deposit) nahi kar pate hai to aapko Rs. 50 penalty lagega. Aur phir aap apna PPF Account continue rakh sakte hai.

3. PPF Account Time duration?

Public Provident Fund ki time duration 15 years ki hoti hai. 15 years ke bad aapko aapka pura paisa (money) interest ke sath wapis (return) mil jayega.

Yadi aap chahte hai ki aapke 15 years pure ho gaye hai aur aap apne Account ki time duration badhwana (increase) karwana chahte hai to 5 years ke liye badhwa (extend) sakte hai.

Aap 7 years ke bad har sal 50% amount withdraw kar sakte hai.

4. PPF Scheme Interest rate

PPF Scheme mai aapko 7.90% interest pradan (provide) kiya jaata hai. Aapki interest har sal (yearly) aapke PPF Account mai add (credit) kar diya jaata hai.

5. Where can you Open PPF Account?

PPF Account aap Government Bank, Private Bank, yaa phir Post Office mai open kar sakte hai.

Documents mai aapko ID Proof, Address Proof aur PAN CARD dena hoga.

6. Is Income Tax applicable in PPF Account?

Nahi (No), PPF saving Scheme income tax saving scheme hai isme aapko koi Income Tax nahi dena hoga.

7. Can we take Loan from PPF Account?

Haa (yes) jaise he aap apna 3 years pura (finish) karte hai aap apne PPF Account se LOAN le sakte hai.

8. PPF Account transfer

Aap apna PPF Account ek bank se dusre bank aur ek Post Office se dusre Post Office mai transfer karwa sakte hai. Iska aapse koi charge nahi liya jaayega.

How to Open PPF Account ?

Public Provident Fund ka Account aap Online bhi open kar sakte hai. Yadi aap Online PPF Account open karna chahte hai to aapke pas SAVING ACCOUNT hona chahiye. Aap Net Banking ke jariye (through) apna PPF Account Open kar sakte hai aur usme online deposit bhi kar sakte hai.

Yadi aapke pas Saving Account nahi hai to aap kisi bhi Bank yaa Post Office mai jaake apan PPF Account open karwa sakte hai.

  1. PPF Account open karwane ke liye aap kisi BANK yaa POST OFFICE mai visit kare, aur apne sath mai Address Proof, ID Proof, PAN Card, Passport Photo lekar jaaye.
  2. PPF Account opening Form fill kare aur sath mai required Documents jama (submit) karwaye.
  3. Har sal aapko Rs.500 minimum jama (deposit) karna jaruri hai. Aur Rs. 1,50,000 maximum ek year mai aap deposit kar sakte hai.
  4. Bank yaa Post Office ke taraf se aapkko PPF ACCOUNT KIT mil jayegi.

Comments

comments

Check Also

Education Loan Guarantee Scheme Delhi Students by AAP Party in Hindi

Education Loan Guarantee Scheme Delhi Students by AAP Party in Hindi

AAP सरकार द्वारा दिल्ली के छात्रों के लिए शिक्षा ऋण गारंटी योजना (Education Loan Guarantee …