PPF Yani Ke Public Provident Fund Ke Baare Main Jaankari

PPF Yani Ke Public Provident Fund पब्लिक भविष्य निधि Ke Baare Main Jaankari

PPF Yani Ke Public Provident Fund Ke Baare Main Jaankari: D0sto aaj ham aapko PPF yani ke public provident fund ke baare main kuchh aisee batain batane ja rahe jo ke aksar kar ke ham logo ko pata nahi hoti hain jo log bahut soch samajh kar invest kartey hain un main se aise bahut saare log honge jinhe PPF ki in chhoti chhti baaton ki jaankari nahi hoti hai.

To dosto jaisa ki ham log jaantey hain ke ham main se bahut saare log PPF yani ke Public Provident Fund main apna paisa invest kartey hain lejkin ham main se bahut saare aise log hain jo ki PPF ke basic rules ke baare main hee nahi jaantey hain to dosto aaiye ham jaantey hain un saare rules and regulations ke baare main joke PPF se judi huyi hain.




PPF Yani Ke Public Provident Fund Ke Baare Main Jaankari

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1- PPF account ko joint names se nahi khol saktey hain;

Dosto PPF  A/C ko ya to koi  individual ya fir as guardian apne bacche ke liye aap khol saktey hain lekin agar aap PPF A/C joint names se kholna chahtey hain to aap ye nahi kar saktey hain yani ke aap ppf a/c ko joint names se nahi khol saktey hain.

2- PPF account ko Minor yani ke nabalig bacche ke liye kon khol sakta hai;

Sirf bacche ke maa aur baap yani ke mother aur father hee ap

ne nabalig bacche ki taraf se PPF account khol saktey hain. Dosto agar bacche ke parents nahi hain yani ke unki death ho gayi hai ya parents capable nahi hai to kanoon ke anusaar jo bhi aadmi ko minor ke behalf pe account khol sakta hai.

Dosto yaha main ye bhi batana chahunga ke even bacche ke dada aur dadi ko bhi ye adhikaar nahi hota hai ke wo apne pota ya poti ke naam se PPF a/c khol sake wo bhi uss samay main jab ki bacche ke mata aur pita zinda ho.

3- PPF A/C ka kya hoga Jab Baccha bada ho jayega;

Dosto ab baat aati hai ki jab baccha bada ho jayega tab uss ppf account ka kya hoga, Friends jab baccha bada ho jayega aur adult ho jayega tab wo hee account ka maalik hoga lekin legal gaurdian nahi hoga.

Ab uss adult bacche ko dpbara se ek application submit karni hogi aur account opening ka form bhi bharna hoga aur nomination form bhi bharna hoga, aur uska hastakshar yani ke signature ko application form par guardian se attested karana hota hai ya jo bhi uss ka legal guardian hoga uske attestation ki zaroorat hoti hai.

4- PPF A/C Main 1 individual zyada se zyada kitna paisa invest kar sakta hai;

Dosto jaisa ki ham log jaantey hain ki aaj ki date main PPF ki investment limit 1,50,000 Rs. hai, Lekin dosto yaha main ek baat saaf kar dena chahta hu ki ye ek combined limit hai aapke apne individual a/c ki aur aur uss account ki jismain aap guardian hai ya jo apke bacche ka account hai.

To ye baat bilkul saaf hai ke aapke aur apke bacche ke ppf a/c ki dono accounts ki limit milakar kar ke kewal 1,50,000 Rs. hee hai aapko sirf isi amount par hee intesrest milega aur 80 C ke tehat chhoot milegi.

PPF Yani Ke Public Provident Fund Ke Baare Main Jaankari-




5-  Agar koi NRI 2003 ke baad aur HUF 2005 ke baad A/C kholta hai to kya hoga;

Dosto PPF ke amendments ke baad NRI ke liye saal 2003 se aur HUF yani ke Hindu Undivided Family main saal 2005 se ye rule laagoo ho gaya hai ki yadi in main se koi bhi log PPF a/c kholtey hain to unka paisa un logo ko baad main bina kisi interest ke wapis kar diya jayega.

6-  Kya hoga agar aap 1 saal main 1,50,000 se zyada Rs. PPF a/c main jama kar denge;

Dosto agar koi ap ppf a/c main jo 1 saal ki 1,50,000 ki limit hai uss se sadhik Rs. jama kar deta hain to jo apne zyada paise jama kiye hain aapko uss paise pe koi bhi interest nahi milega aur na hi aapko uss excess amount par 80 C ke tehat koi chhot milegi aapko 80 C ke tehat jo chhot milegi wo 1,50,000 Rs. ke amount par hee milegi. Aur agar apne zyada paisa jama kar diya hai to wo paisa account officer apko wapas lauta denge aur uss paise par aapko koi interest bhi nahi milega to dosto meri to yahi salah hai apko ki limit se zyada paisa apne ppf a/c main jama na kare.

7- Kya hoga agar aap 2 PPF A/C khol lenge;

Dosto sabse pehle main aapko ye batana chahunga ke legally iski permission nahi hai ke koi 1 vyakti 2 ppf account open kare yani ke legally aap 2 ppf account nahi khol saktey hain.

Dosto yahan main ye bhi batana chahunga ke agar aap ne koi PPF account khola aur usko chalu nahi rakh paye kisi bhi wajah seto bhi aap doosra a/c ppf ka nahi khol saktey hain aapko wahi account dobara se chaloo karwana padega jiske liye aapko apna purana PPF a/c chaalu karane ke liye kuchh penalty deni hoti hai aur uss saal ka minium amount ppf ka bhi jama karwana hota hai.

8- Kya hame uss PPF A/C par loan mil sakta hai jo abhi chaalu na ho;

Dosto ap apne a/c pe loan tabhi pa saktey hain ya apne a/c me maujood paisa tabhi pa saktey hain jab ki aapka a/c poori tarah se chaloo halat main arthhat continue awasthha main ho wo ppf a/c discontinue awastha main nahi hona chahiye.

Aur agar aap fir bhi chahtey hain ki aap apne uss ppf a/c pe loan pa sake ya paisa nikal sake to uske liye aapko jitne time ke liye aapka account band tha uski penalty aur aur jitne time a/c band thha uss period ka minimum paisa aapko submit karna hoga aur uske baad aap apna paisa nikal saktey hain ya uss par loan bhi le saktey hain.

8- Kya Jiska PPF A/C hai uski death ke baad PPF main paisa jama kar saktey hain;

Nahi Dosto yadi kisi vyakti ka PPF A/C hai aur us vyakti ki maut ho jati hai to uske nominee ya legal heirs uske PPF A/C main paisa jama nai kar saktey hain. Aur nominee ya koi aur uske a/c main paisa jama kar deta hai to usko uss amount par interest nahi milega aur na hee 80 C ke tehat chhoot milegi.




9- Agar PPF A/C discontinue kar diya hai to paisa kab nikal saktey hain;

Dosto agar aap ne apna A/C chaalu kiy aur fir usmain koi Rs. submit nhi kiye to wo discontinue A/C main chala jata hai aur aise a/c ke pasie aapko uski maturity ke baad yani ke 15 saal poore hone ke baad interest ke saath mil jayenge.

10- Kya PPF A/C ki maturioty ke baad naya A/C khol saktey hain;

Dosto aap naya PPF a/c tabhi khol saktey hain jab aapka purana PPF A/C ki maturity yani ke 15 saal poore ho gaye ho. Aur aapne Apne purane A/C ko extend nahi karaya ho.

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 Dosto main ummeed karta hu ke aapko ye 10 points ki jaankaari jo maine PPF  ke baare main dee hai pasand aayi hogi, aur aapko hamara ye article PPF Yani Ke Public Provident Fund Ke Baare Main Jaankari bhi pasand aaya hoga.

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Dhanyawaad…….. Apka din Shubh ho……….

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