PPF account se paisa kab nikal saktey hain




PPF account se paisa kab nikal saktey hain

PPF account se paisa kab nikal saktey hain: Dosto aaj ham apko batane ja rahe hain PPF kee maturity ki bare main, kyuke aksar logo ko PPF ki maturity ke baare main kuchh confusions hote hain ke PPF account se aap paisa kab nikal saktey hain kyuke jab aap PPF account kholtey hain tab aapko pata hota hai ki ye PPF account 15 saal tak chalta hai aur uske baad hee aap ismain se paisa nikal saktey hain.

Ham log PPF A/C isliye kholtey hain kyuke kyuke ham log chahtey hain ki jab hamare account ke 15 saal poore ho tab hame ek acchhi rakam mile aur uss paise ka istemaal ham apne Budhape ke liye ya apne baccho ki padhai ya shadi ke liye ya aise hee kisi zarrori kamo ke liye karain.

Dsoto Agar ham har saal lagataar 1 lakh Rs. 15 saal tak PPF account main jama karenge to 15 saal ke baad hame lagbhag 30 lakh Rs. milenge apne PPF account ki maturity poori hone ke baad to aap dekhenge ki ki aapko interest ke taur par lagbhag 15 lakh Rs. milenge jo ki poori tarah se tax free hoga.

PPF account se paisa kab nikal saktey hain aur kuchh jaankari:

PPF account se paisa kab nikal saktey hain

1- Dosto 1 April 2016 se PPF account par milney wale interest ko 8.10% per year kar diya gaya hai jo ki compound intesrest (yani ke chakra vardhi byaj) ke saath milta hai.

2- Dosto 1 April 2013 main PPF account par 8.7% ki dar se byaj milta thha jise change kar diya gaya hai.

3- Dosto aap 1 saal main apne PPF account main kam se kam 500 rs. (Account ko continue ralhne ke liye zaroori hote hain) aur adhik se adhik 1 lakh 50 hazaar Rs. tak jama kar saktey hain.

4- Ya to aap ooper diye huye amount ko ek baar main jama kar saktey hain ya 12 installment main jama kar saktey hain.

5- Aap sirf 100 Rs. ke saath Apna PPF account khulwa saktey hain lekin aapko kam se kam 1 saal ke andar 500 Rs. jama karane padenge aur zyada se zyada 1 lakh 50 hazaar Rs. jama kar saktey hain.




6- PPF account ka maturity period 15 saal hota hai aur yadi aap isko aagey badhana chahey hain to maturity poori hone ke 1 saal ke andar aap iss account ko agle 5 saalo ke liye aur aagey badha saktey hain.

7- Dosto agar aap apne PPF a/c ko 15 saal se pehle khatam karna chahtey hain to aap aisa nahi kar saktey hain kyuke PPF main ye allowed nahi hai.

8- PPF account main aapko 80 c ke tehat income tax main chhoot miltee hai.

9- PPF account ki maturity poori hone par aapko iss par jo inerest milta hai wo poori tarah se tax free hota hai.

10- Dosto aap PPF account se paisa nikal bhi saktey hain uske liye aapko sirf itna karna hoga ke aap account 7 saal poora ho jane ke baad har saal apne account se paisa nikal saktey hain.

11- Dosto aap apne PPF khatey par loan bhi le saktey hain ye aap apna khatey ke 3 saal poora ho jane ke baad kar saktey hain.

12- Dosto PPF account par hame har saal 31 march ko interest milta hai.

13- Hame PPF account pe jo interest milta hai wo hamare a/c main mahine ke 5th day aur last day ke beech main se jis din main sabse kam balance hota hai uss par interest calculate ho kar milta hai.

PPF account se paisa kab nikal saktey hain:

Dosto aaj ham aapko bataynge ki normally ham sabhi log jantey hain ki PPF a/c ka period 15 saal hota hai but main aapko clear kar dena chahta hu ki ye period 15 saal se thoda zyada hota hai kyuke PPF account ka jo saal hota hai wo 1 April se shuru hota hai aur 31 march ko poora hota hai.

Dosto main yaha aapko clear kar dena chahta hu ke yadi aapne apna PPF account 15 May, 2014 main open kiya to apke hisaab se aapke account ki maturity 16 May, 2029 ko ho na chahiye, lekin dosto main aapko clear kar dena chahta hu ke aisa nahi hai kyuke PPF a/c financial year ke hisab se chalta hai jiski wajah se apka account 1 April 2030 ko mature hoga aap iss date ke baad hee apne ppf account se paisa nikal saktey hain

Dosto kya aapko pata hai ki aap apne PPF account ki maturity poori hone ke baad installment main paisa nikal saktey hain lekin sirf 1 saal ke andar andar. aur uss 1 saal main aapko uss par interest bhi milega.

Agar aap iss 1 saal main apna paisa ppf account se nahi nikal paatey hain ya nahi nikaltey hain to wo paisa automatically agle 5 saal ke liye fir se ppf a/c main extend ho jayega aur in 5 saalo main aaapko jo 500 Rs. har saal aapko jama karana zaroori hota hai wo bhi zaroori nahi hota hai.




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Dosto main ummeed karta hu ke aapko PPF account se paisa kab nikal saktey hain pasand aaya hoga aur aapko PPF a/c main aisee kon kon see baataon hain jo hame janana zarrori hai aapko pasand aaya hoga.

Dosto agar aapko hamara ye article PPF account se paisa kab nikal saktey hain pasand aaya ho to aap hame subscribe bhi kar saktey hain.

 

Thanks……… Dhanyavaad…………

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