PPF Kya hain Aur iska fayda kaise milta hain.

Aajkal ham sabhi ko Income Tax savings ki declaration dene ki chinta hain. Isme ham sochte hain ki kaise jyada se jyada savings kar Income Tax ko bachaya jaye. Aaj ham aapko aisi hi tarkeeb batane ja rahe hain , Jise apnakar na sirf  Tax ki saving ki ja sakegi , Balki aap bachat karke behtar returns bhi le sakenge. Tax bachane aur Jyada return paane ka ek Surakshit vikalp hain Public Provident Fund (PPF). PPF mein jaha 1
saal mein 1.5 Lakh rupaye tak nivesh kar puri rashi par Income Tax chhoot pa sakte hain, Balki uspar aapko 8.7% ka  return bhi milta hain. Iski khasiyat yeh hain ki PPF ke return par bhi aapko koi tax nahi dena padta hain.



Kya hain PPF ki khasiyat

Agar aap kisi sarkari Scheme mein lambe samay tak paisa lagakar tax saving karna chahte hain to Public Provident Fund (PPF) ek accha vikalp hain. Dhara 80C ke tahat aap Public provident Fund (PPF) mein har saal adhiktam 1.50 Lac rupaye ka invest kar sakte hain aur is nivesh par aapko deduction ka labh milega. PPF par milne wale compound Interest ke karan aap Long-Term mein accha khasa return bhi le sakte hain, Jo retirement ke samay aapke kaam aa sakti hain. 15 Saal mein mature hone wale Tax saving ke is vikalp par F/Y 2015-16 ke liye 8.7% ka Interest rate tay kiya gya hain.


Apne bachche ke naam se bhi khulwa sakte hain khata


PPF Long-Term ka ek aisa investment hain jise EEE (exempt-exempt-exempt) ka darja hasil hain. Yani ki teeno morcho- Invest ke samay, byaaz par aur mature hone par PPF mein Tax se rahat milti hain. Koi bhi vyakti apne ya apne bachcho ke naam se PPF account khol sakta hain aur usme paise jama karva kar Tax savings kar sakta hain.









Jaroorat padne par nikaal sakte hain paise


PPF mein invest karne ke 6th Year  mein aap isme se kuch paise nikaal sakte hain. Nikasi ki adhiktam rashi 4 saal pahle khate mein bachi rakam ya Nikasi se theek ek saal pahle khate mein uplabadh rakam, jo bhi kam ho, ka 50% nikal sakte hain.  For Example :- Agar aapne apna PPF account 2009-10 mein khola hain aur 2015-16 mein aap nikasi karna chahte hain to nikasi ki rashi 31-March-2012 ya 31-March-2015 ko available rakam mein se jo bhi kam ho uske 50% tak ki limit hain.


Har saal badlati rahti hain PPF ka Interest Rate (Rate of Interest )

PPF ka Interest Rate Fixed nahi rahi ab yeh 10 saal wale sarkari bond ki yield se judi hui hain aur yeh Average Bond Yield se 0.25% adhik hoti hain. Govt. har saal PPF ke interest rate ki ghoshna karti hain. F/y 2015-16 ke liye Sarkar ne 8.70% Byaaz ki ghoshna ki hain jo salana judta hain.


Aapke PPF khate par milne wala pyaaz muldhan mein salana judta hain. Lekin gaur karne wali baat yeh hain ki iska calculation monthly basic par aapke account mein har mahine ki 5 taarikh se pahle last date tak available sabse kam rashi par ki jati hain. Isliye agar aap mahine ki 5 taarikh ko PPF mein paise jama karvate hain to aapko uss mahine ka byaaz nahi milega.


Kahaan Khulvaye PPF Account (Where Open PPF account) 


PPF account aap Post Office, Nationalized Banks ya Chundinda Private Banks mein khulwa sakte hain. Ismein Har saal nivesh ki adhiktam sima 1.50 Lakh rupaye hain.





Long Term ke liye achcha hain PPF 


Vah jamana gya jab retirement ke baad companies pension bhi deti thi. Ab naukaripesha ho ya karobaari , Unhe apne retirement ke baad apni Income ki vyavstha khud karni padti hain. PPF retirement Fund banaane ke nazriye se ek accha option hain.


Agar kal ko iske byaaz daro mein kami aati hain to return aur maturity ki rashi tax free hone ki wajah se ek niveshak acche yield ki umeemd kar sakta hain. Long Term ke targets jaise Bachcho ki education aur unki marriage, Retirement aadi ke najriye se aaj ki date mein Invest  ke options mein PPF mein invest karna behtar faisla hoga.

To der kis baat ki hain abhi Bank jaye aur apna PPF Account Khulwaye. Agar aapke Bank mein yeh suvidha uplabadh na ho to dusre bank mein jakar yeh khata khulwa sakte hain.


PPF Account 15 Saal ki avadhi ke liye khulta hain. 15 saal ke baad aap chahe to ise 5 Saal tak aur aage badha sakte hain.  PPF Account mein aap ek se jyada nomination kar sakte hain, Matlab aap 1 se adhik uttaradhikari bana sakte hain. Vyakti ki agar ppf maturity se pahle  maut ho jaye to  uska PPF account band kar diya jata hain aur uske account mein jama paise uske nomniee (uttar adhikari ) ko transfer kar diye jate hain. Nomminee PPF account ko aage jari nahi rakh sakta hain. Yani ki vyakti ki maut ke baad PPF account band ho jata hain.



PPF account mein aap Saal mein sirf 12 Baar paise jama karwa sakte hain. Lekin in pure saal mein aap 1.50 Lakh se jyada paise nahi jama karwa sakte hain.


PPF Account mein aapko har saal Minimum 500 Rupaye jama karwane hote hain. Agar aapne kisi saal koi rupya jama nahi karwaya hain to aapko 50 Rupaye penalty lagti hain.


PPF Account kisi bhi vyakti ka sirf Ek hi account ho sakta hain. Kahne ka matlab yeh hain ki aapko sirf Ek PPF account khulwana chahiye. Agar aapka kisi bank mein PPF Account hain, aur agar aap kisi dusre bank mein dusra PPF account khulwate hain to yeh ek Crime hain. Aapko saja bhi ho sakti hain.


PPF Account ki sabse badi visheshta yeh hain ki agar aap Defaulter ghoshit ho jate hain, to Court aapki sampati ko agar seal karde. To vah aapke bank account aadi ko seal kar sakti hain. Lekin aapke PPF account ko haath tak nahi laga sakti hain. Matlab aapka agar sabkuch nilaam ho jaye yaha tak ki aapki Bank balance ko bhi court Nilaam karne ka adesh de de , Lekin vah aapke PPF account ki rashi ko nilaam nahi karwa sakti hain.


PPF Account Open karwane ke liye aapko Apne bank Ya post Office mein ek PPF Account open form bharna padta hain. Aapko document ke taur  aapko apne Residence proof aur Identity proof ki photo copy dena hota hain. Aapko bank ya post office ki taraf se ek Passbook milti hain.