Rs 50000 जमा करने पर Rs 1416000
Rs 100000 जमा करने पर Rs 2832000
Rs 150000 जमा करने पर Rs 4248000
Public Provident Fund (PPF) in Hindi 2018
2. What is the interest rate on PPF?
The current interest rate is 7.6% that is compounded annually
3. Essential features of PPF
Tenure: The PPF has a minimum tenure of 15 years, which can be extended in blocks of 5 years as per your wish.
Investment Limits: PPF allows a minimum investment of Rs 500 and a maximum of Rs 1.5 lakh for each financial year. Investments can be made in lump sum or in a maximum of 12 installments.
Opening Balance: The account can be opened with just Rs 100. Annual investments above Rs 1.5 lakh will not earn interest and will not be eligible for tax saving.
Deposit Frequency – Deposit into a PPF account has to be made at least once every year for 15 years.
Mode of deposit – The deposit into a PPF account can be made either by way of cash, cheque, Demand Draft or online fund transfer.
Nomination – A PPF account holder can designate a nominee for his account either at the time of opening the account or subsequently too
Joint accounts – A PPF account can be held only in the name of one individual. Opening an account in joint names is not allowed
Risk factor – Since PPF is backed by the Indian government, it offers guaranteed, risk-free returns as well as complete capital protection. The element of risk involved in holding a PPF account is minimal.
Who can invest in PPF – Any Indian citizen can invest in PPF. One citizen can have only one PPF account unless the second account is in the name of a minor. NRIs and HUFs are not eligible to open a PPF account.
Loan against PPF – You can take a loan against your PPF account between the 3rd and 5th year. The loan amount can be a maximum of 25% of the 2nd year immediately preceding the loan application year. A second loan can be taken before the 6th year if the first loan is repaid fully.
4. PPF withdrawal
if account holders are in need of funds, and wish to withdraw before 15 years, the scheme permits partial withdrawals from year 7 i.e. on completing 6 years.
An account holder can withdraw prematurely, up to a maximum of 50% of the amount that stood in the account at the end of 4th year preceding the year in which the amount is withdrawn or at the end of the preceding year, whichever is lower. Further, withdrawals can be made only once in a financial year.
6. What are the tax benefits of investing in PPF?
PPF one an investment vehicle that falls under the Exempt-Exempt-Exempt (EEE) category. This, in other words, means that all deposits made in the PPF are deductible under Section 80C of the Income Tax Act. Furthermore, the accumulated amount and interest would also be exempt from tax at the time of withdrawal.
It is also important to note that a PPF account cannot be closed before maturity. Furthermore, a PPF account can be transferred from one point of designation to another. But, do remember that a PPF account cannot be closed prematurely. Only in the case of the account holder’s demise can the nominee’s file for the closure of the account.
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Sir mainey Lic village mein open karwaie thi magar ab mein 4 years se Delhi mein deposit kar raha hoon ab Lic complete ho gai hai or mein village nahi ja sakta hoon kuch personal reason se or mera Delhi ka bhi koi proof nahi hai toh mein ab kya karu
PPF account Mai sabhi banks.. government banks, private banks and post office.....sab same interest rate dete hai..koi difference Nahi hota hai..
Toh jis bhi bank Mai aapka account hai..wahi pe PPF account open karwaiye..
Sir mera beta 5 saal ka hai .mere pati contract ki job karte hain.jyda salary nhi hai.kaun sa plan best rahega mere bachhe ke liye.hamari regular income kabhi band ho sakti hai isliye ppf khulbane mein dar lag raha.plz batayen
Mai yadi ppf account kholta hun sbi me aur yadi man le jab hum account khola to interest 8parsent tha aur phir 5years bad inter 7parsent ho jata hai to mai bhi 7parsent wale me samil ho jayenge na yes ya no
Additionally, if you decide to go with an aboveground pool and want to add a deck around it, you should check with your local government to get specifics on the laws in your area pertaining to deck installation.
No matter what you decide, make sure you meet with an installation professional to discuss your options based on space, city regulations and price points.
Above Ground Pool.
Additionally, pool materials in aboveground pools are far cheaper than in-ground and have a wider variety.
Pool Accessary Options.
Types of Pool Water Sanitation.
There are a variety of pool water treatment options beyond the traditional chlorine, although it remains the most popular option.
Chlorine is added to a pool to combat algae or other bacteria that can gather in the water. Chlorinated water relies on a proper pH balance to prevent an overly chemical-smelling pool.
While saline pools, also known as saltwater pools, are not chlorine-free, they consist of a salt-chlorine generator that produces lower levels of chlorine.
Mineral water pools are chlorine-free and use disinfecting minerals to prevent bacteria and algae.