PPF कैलकुलेटर (PPF Calculator)
परिणाम तालिका (Result Table)
| साल (Year) | शेष राशि (Balance ₹) | ब्याज (Interest ₹) | कुल राशि (Total Amount ₹) |
|---|
PPF निवेश का महत्व (Importance of PPF Investment)
PPF में निवेश एक सुरक्षित और प्रभावी तरीका है जिससे आप भविष्य के लिए बचत कर सकते हैं। कर लाभ, स्थिर ब्याज दर और सुरक्षित निवेश के कारण यह बहुत लोकप्रिय है।
Example (उदाहरण)
श्री सुरेश की मासिक आय ₹15,000 है। वे हर महीने ₹1,200 PPF में निवेश करते हैं। यदि वे 15 वर्षों तक निवेश जारी रखते हैं, तो वे ₹406820.92 प्राप्त करेंगे। यह दिखाता है कि छोटी बचत भी दीर्घकालिक में बहुत लाभदायक हो सकती है।
Mr. Suresh earns ₹15,000 per month. He invests ₹1,200 per month in PPF. If he continues this for 15 years, he will receive ₹406820.92 This shows how small savings can be highly beneficial in the long run.
FAQs (अक्सर पूछे जाने वाले प्रश्न)
/Q1: क्या मैं अपना PPF खाता ट्रांसफर कर सकता हूँ?
हाँ, आप अपने PPF खाते को ट्रांसफर कर सकते हैं।
Q2: मुझे कितना ब्याज मिलेगा?
PPF पर ब्याज दर सरकार द्वारा तय की जाती है।
Q3: मेरा निवेश कब परिपक्व होगा?
PPF खाता 15 वर्षों के बाद परिपक्व होता है।
अभी निवेश करें! (Invest Now!)
PPF में निवेश करें और अपने भविष्य को सुरक्षित करें।
PPF अकाउंट खोलें (Open PPF Account)Public Provident Fund (PPF) Account Information
What is a PPF Account?
The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, offering fixed returns and tax benefits. You can open a PPF account through authorized banks or post offices, either online or offline, to save on taxes and build a secure financial corpus.
List of Banks Offering PPF Accounts
Several reputed banks facilitate the opening of PPF accounts. Some banks provide both online and offline account opening options, while others may offer only offline services. If your preferred bank isn't listed, it's advisable to inquire directly with them about PPF account availability.
Steps to Open a PPF Account
Offline Method
- Visit a branch of a bank that offers PPF accounts.
- Obtain and fill out the PPF account opening form.
- Submit the completed form along with KYC documents.
- Make the initial deposit required to open the account.
- After verification, the bank will open the PPF account in your name.
Online Method
- Many leading banks, such as SBI, HDFC Bank, ICICI Bank, and Axis Bank, offer online PPF account opening services.
- Log in to your bank's internet banking portal.
- Navigate to the section for opening a PPF account.
- Fill out and submit the online application form along with digital copies of your KYC documents.
- Make the initial deposit online.
- Upon successful verification, your PPF account will be activated.
Eligibility Criteria
- Must be an Indian resident aged 18 years or above.
- Only one PPF account per individual is permitted.
- Parents or legal guardians can open a PPF account on behalf of minors.
- Grandparents can open a PPF account for a minor only if they are the legal guardians after the parents' demise.
Key Points to Remember
Deposit Requirements
A minimum deposit of ₹500 is required to open and maintain the account annually, with a maximum limit of ₹1.5 lakhs per financial year.
Tenure
The PPF account has a tenure of 15 years, which can be extended in blocks of 5 years upon maturity.
Annual Contributions
At least one deposit must be made each financial year to keep the account active. Deposits can be made in lump sum or in installments, with a minimum of ₹50 per installment.
Fund Transfers
If you have a savings account with the bank where you open the PPF account, you can transfer funds directly between accounts.
Modes of Contribution
Contributions can be made via cash, cheque, online transfers, or other digital payment methods.
Tax Benefits
Investments in the PPF account are eligible for deductions under Section 80C of the Income Tax Act, up to ₹1.5 lakhs per annum.
Interest Rate
The PPF interest rate is determined by the government and reviewed quarterly. As of now, the interest rate is 7.1% per annum.
Conclusion
Investing in a PPF account provides guaranteed returns and is a prudent way to build a substantial corpus over the long term, free from market volatility.
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