PPF Yojana: Jab apne mehnat ka kamai ko surakshit aur sahi tarike se nivesh karne ki baat hoti hai, tab humein often yeh dubbidha hoti hai ki kaunsi scheme mein paisa lagana chahiye, jisse humein accha return mile aur paisa bhi surakshit rahe. Agar aap bhi aisi koi scheme dhoond rahe hain, toh SBI ki PPF (Public Provident Fund) Yojana aapke liye ek uttam vikalp ho sakta hai. Yeh scheme na keval aapke paise ko surakshit rakhti hai, balki ismein aapko acche returns bhi milte hain. To chaliye jaante hain SBI ki PPF Yojana ke baare mein aur kyun yeh aapke nivesh ke liye ek smart vikalp ho sakta hai.
500 Rupaye Se Khulwa Sakte Hai Khata
State Bank of India ki Public Provident Fund Yojana ek sarkari yojana hai, jiska uddeshya logon ko ek surakshit aur tax-free nivesh vikalp pradan karna hai. Is scheme ke tahat aapko har saal 7.1% ka byaaj milta hai, jo ki ek accha rate hai. Ismein aap saalana 500 rupaye se lekar 1.5 lakh rupaye tak nivesh kar sakte hain. Iski avadhi 15 saal ki hoti hai, aur aap chahein toh ise 5 saal ke blocks mein badhwa bhi sakte hain. Iske alawa, is scheme mein aapko loan ki suvidha bhi milti hai, jisse agar zarurat pade toh aap loan bhi le sakte hain.
Jaane 32 Lakh Ka Return Paane Ka Calculation
Ab sawal yeh aata hai ki agar aap Bharatiya State Bank ki PPF scheme mein 10,000 rupaye mahine ka nivesh karte hain, to aapko kitna return milega? Maan lijiye ki aap har mahine 10,000 rupaye nivesh karte hain, to ek saal mein yeh 1,20,000 rupaye ho jayega. 15 saal mein yeh kul 18,00,000 ban jayega. Agar hum 7.1% ki saalana byaaj dar ko maante hue yeh nivesh karte hain, to maturity ke baad aapko 32,54,567 rupaye milenge, jisme se 14,54,567 byaaj ke roop mein honge. Yeh aapko dikhata hai ki ek chhoti si bachat bhi lambe samay mein kaafi badh sakti hai.
PPF Khata Kholne Ka Tarika
SBI ki or se chalayi ja rahi is PPF scheme mein nivesh karne ke liye aapko sabse pehle ek khata kholna hoga. Yeh khata aap aasani se apne nazdeeki SBI shakha mein jakar khol sakte hain. Agar aap online chahte hain, toh aap SBI ki Yono App ka istemal kar sakte hain. Ek baar khata khulne ke baad, aap aasani se apne nivesh ko deposit kar sakte hain aur is scheme ke saare labh utha sakte hain.
Nishkarsh
State Bank of India ki Public Provident Fund Yojana ek uttam vikalp hai, khaaskar agar aap ek surakshit nivesh karna chahte hain. Iski akarshak byaaj dar aur tax labh ke karan yeh ek smart vikalp ban jata hai. Is yojana mein nivesh karke aap apne bhavishya ke liye ek majboot financial plan taiyar kar sakte hain. To agar aap bhi apni bachat ko badhana chahte hain aur surakshit tarike se accha return pana chahte hain, to SBI PPF scheme aapke liye sabse accha option ho sakta hai.
