PPF Account ki poori jaankari: Interest Rate, yogyata, jama aur nikasi ke Rules | PPF Account Details In Hindi

Agar aap apne bhavishya ke lekar chintit hain ya phir bhavishya mein kisi prakar ka bada kary jaise shaadi, makaan, business, padhai ityaadi ke liye adhik matra mein paise jutana chahte hain lekin aapko iska koi raasta nazar nahi aa raha hai to aap PPF Fund Yojana ka labh utha sakte hain. Kyunki PPF Fund account kholkar aap thode-thode paise jama karke 15 saalon ke andar 41 lakh rupees tak vaapas prapt kar sakte hain.

Is yojana ko mukhy roop se Bharat Sarkar ke dwara Bharatiya nagrikon aur niji kampaniyon ke karmachariyon ke liye uplabdh kiya jata hai. Agar aap ek Bharatiya hain to aapne PPF Fund ka naam jarur suna hoga lekin kya aap jaante hain ki PPF Fund kya hota hai? (PPF Fund Kya Hota Hai in Hindi) PPF Account kaun khol sakta hai? Paisa kitna jama karna padta hai aur kab nikala ja sakta hai? Aadi.

Ppf Fund Kya Hota Hai? (What is Public Provident Fund in Hindi)

PPF ka matlab Public Provident Fund hai, jo Bharat Sarkar dwara pesh kiya jaane wala ek Long term investment yojana hai, arthat yah ek prakar ki bachat yojana hai jo vartaman samay mein Bharat desh mein bahut adhik lokpriya hai. Jisse mukhy roop se Bharatiya nagrikon aur niji kampaniyon ke karmachariyon ke liye pesh kiya gaya hai.

PPF ke antargat koi bhi vyakti 15 varsho ke liye apni punji ko nivesh kar sakta hai. PPF Fund yojana ke liye nyuntam nivesh rashi saalana 500 rupees aur adhiktam nivesh rashi saalana 1,50,000 rupees hai. Is yojana ke antargat nivesh ki gayi dhan rashi par Bharat Sarkar ke dwara 7.1% tak ki saalana byaaj pradan kiya jata hai.

Aapki jaankari ke liye bata den ki PPF Fund ke liye byaaj daron Bharat Sarkar dwara nirdharit ki jati hain jo samay samay par change hoti rahti hai. Jab PPF khate ki seema samapt ho jati hai to labharthi khate se paisa nikal sakta hai aur chahe to PPF Fund ko aur aage badha sakta hai. Koi bhi vyakti badi aasani se namit bankon aur dakgharon mein jakar PPF khata khulva kar nivesh kar shuru kar sakta hai.

Lekin kai log aise bhi hain, jinhe PPF Account kaise khulvaye? PPF Fund mein nivesh karne ke labh ityadi ke sambandh mein jaankari nahi hoti. Agar aap PPF Fund se sambandhit sabhi jaankari prapt karna chahte hain to aapko hamara yah article ant tak poora padhne ki avashyakta hai.

Ppf Account Khulne Ke Faayde (Advantages of Opening a Ppf Account in Hindi)

PPF (Public Provident Fund) Bharat Sarkar dwara chalai jaane wali ek bahut hi kalyaankari bachat yojana hai jiske antargat account khulwa kar labharthi kai labh prapt kar sakte hain. Agar aap jaanna chahte hain PPF Account khulne ke kya faayde hain? To neeche uplabdh binduon ko dhyan se padhiye, jo kuch is prakar se hain –

Surakshit Nivesh – PPF khata ek surakshit nivesh hai jo niyamit roop se anya khataon ki tulna mein bahut adhik byaaj deta hai aur aam nagrikon ko vipreet paristhitiyon se bachata hai.

Tax Bachat – Public Provident Fund nivesh ke liye niveshak ko tax bachat ki bhi suvidha prapt hoti hai. Yani ki iske antargat aap nivesh karke seemit roop se tax par bhi chhoot le sakte hain.

Lambe Samay Tak Nivesh – Jaisa ki hamne aapko bataya ki Public Provident Fund ke antargat labharthiyon ko 15 varsh ke liye nivesh karne ka vikalp milta hai jo aam logon ko apne bhavishya ke liye sampatti banana mein madad kar sakta hai.

1. Adhik Byaaj Dar – PPF Account nivesh ke liye byaaj dar sarkar dwara nirdharit hoti hai jo adhiktam 7.1% hoti hai aur yah byaaj daren anya sabhi prakar ke khataon se adhik hoti hain, haalanki Bharat Sarkar ke dwara isme parivartan kiya ja sakta hai.
2. Loan ki Suvidha – PPF khate mein jama kiye gaye dhan ka upayog aap loan ke roop mein bhi kar sakte hain lekin ab iske liye aapko kuch sharton ka palan karna hoga.
3. Aasaan Nivesh Suvidha – PPF Account mein koi bhi vyakti apni suvidha anusar kisi bhi samay aur kisi bhi prakar se jaise ek saath ya phir thode thode karke paise jama kar sakte hain.
4. Bhaari Return – PPF Fund ki karyakal avadhi adhik hone ke karan labharthi ko jama dhan rashi par 7.1% byaaj ke saath sabhi paise vaapas milte hain jo ki bahut adhik hote hain iske madhyam se ek aam nagrik kaafi paise jod sakta hai.
5. Sabhi Ke Liye Uplabdh – Yah bachat khata ki suvidha Bharat Sarkar ke dwara sabhi har umar, ling aur kshetra ke logon ko khulwane ki suvidha pradan ki jati hai.
6. Poori Jama Punji Par Labh – Is account par mukhy roop se compound form mein interest prapt hota hai kehne ka tatparya yah hai ki labharthi ko interest har saal jama hone wali rashi par prapt hoga na ki sirf ek rashi par.

Ppf Account Kaun Khol Sakta Hai? (Eligibility for Opening Ppf Account)

PPF khata (Public Provident Fund Account) Bharat mein ek Popular bachat yojana hai, nimnlikhit vyakti ek PPF khata khol sakte hain, Bharat Sarkar ke dwara PPF khata khulwane par kisi bhi prakar ki umra ki badal nirdharit nahi ki gayi hai, jaise –

1. Vah sabhi vyakti aasani se PPF account khulwa sakte hain jo Bharatiya nagrik hain ya phir Bharat mein nivas kar rahe hain.
2. Jo vyakti ek Financial year mein 1.5 lakh rupaye tak jama karne ki kshamata rakhte hain, vah PPF khata khol sakte hain.
3. Koi bhi purush ya mahila dono 11 PPF khata kholne ke liye avedan kar sakte hain.
4. Iske atirikt Guardian apne bachon ke liye bhi PPF khata khulwa sakte hain.
5. Non Resident Indian yani NRI, yani ki vah log jo Bharat mein nivas nahi karte hain PPF khata nahi khulwa sakte hain.

Kya Bachche Ke Naam Ppf Account Khulwaya Ja Sakta Hai?

Ji haan, PPF Account bachchon ke naam par khulwaya ja sakta hai, asal mein PPF Account bachchon ke liye unke abhibhavakon ke dwara khulwaya jata hai aur unke bachchon ke vayask hone tak is account ke sancharan ka adhikar bhi bachche ke mata pita ke paas hota hai. Aur jab bachche 18 bas poori ho jaati hai to PPF Account ka adhikar bachchon ko de diya jaata hai.

Aapki jaankari ke liye bata den ki yadi koi Bharatiya nagrik mansik roop se kamjor hai to uske abhibhavakon ke dwara bhi uske bhavishya ke liye PPF Account khulwa kar nivesh kiya ja sakta hai.

Ppf Mein Kitna Paisa Jama Karna Padta Hai?

Jaisa ki humne aapko bataya ki PPF Account ko aap keval nirdharit Bank ya fir Post Office ke madhyam se khulwa sakte hain. Bankon aur Post Office ke dwara kam se kam ₹500 jama karke koi bhi vyakti PPF Account khulwa sakta hai. Halanki agar koi vyakti chahe to isme apni aay ke anusar 1.50 lakh jama kar sakte hain.

Aap jitne amount ke sath PPF Account khulwane aayenge, aapko har vittiy varsh ke dauran aapko itni hi raashi jama karwani hogi. Aur agar koi vyakti nirdharit amount jama karne mein asamarth rahta hai to uska PPF Account band kar diya jata hai lekin nirdharit raashi aur ₹50 ki penalty fees jama karne ke pashchat ise punah shuru kiya ja sakta hai.

Ppf Account Scheme Par Vartaman Mein Kitni Byaaj Milti Hai?

Bharat mein PPF fund yojana iske liye adhik lokpriya hai kyonki is par anya accounts ki tulna mein jama funds par bahut adhik byaaj pradan kiya jata hai.

Bharat Sarkar ke dwara hi PPF account scheme par byaaj daron ka nirdharan kiya jata hai vartaman samay mein PPF Account par labharthiyon ko 7.1% saalana ke hisab se byaaj mil raha hai. Agar koi vyakti apne bhavishya ke liye adhik paisa jutana chahta hai to vah aasani se PPF Account dharakon ko nivesh karke salana 7.1% ki dar se apne paison par byaaj prapt kar sakta hai.

Kya Ppf Account Se Beech Mein Paisa Nikal Sakte Hain?

Bharat Sarkar ke dwara chalai jane wali PPF account yojana ke antargat koi bhi labharthi 15 varshon ke liye nivesh kar sakta hai lekin kai logon ke mann mein yah sawal hai ki kya PPF Account ka paisa beech mein nikala ja sakta hai to hum aapko batana chahte hain ki zarurat padne par koi bhi vyakti apne PPF Account se beech mein kuch paisa nikal sakta hai lekin keval 5 varsh poore hone ke paschat hi labharthi PPF fund account se aadhe paisa nikal sakta hai. Iske atirikt aapko keval do vittiy varsh ke pahle maujud balance ka hi 50% prapt hoga.

Kya Sanyukt Ppf Khata Khulwaya Ja Sakta Hai?

Bharat Sarkar ke dwara nagrikon ke liye chalai ja rahi PPF savings account yojana ko keval ek hi vyakti khulwa sakta hai arthat ise do vyakti sanyukt hokar nahi khulwa sakte aur ab to HUF Hindu Undivided Family ke roop mein bhi Account khulna band ho chuka hai, abhibhavak yani pita-mata apne bachon ke liye PPF Account khulwa sakte hain.

Lekin yah sanyukt khata nahi mana jayega kyonki agar koi Guardian apne bachchon ke naam par PPF Account khulwata hai to uski 18 varsh ki aayu hone ke paschat Account ka poora adhikar bachchon ko de diya jata hai.