POST OFFICE RECURRING DEPOSIT SE MILENGEY 16 LAKH, AAPKO BAS KARNA HOGA YEH KAAM
Report By Saloni Kumari | Bengaluru | Last Updated at Nov 08 2020
Kisi bhi nivesh k sath risk factor jura hua hota hai. Jiski Jaise risk capacity hoti vo ussi tarajh ke project pe kaam karta hai ya leta hai. Risk badhne ke sath sath return bhi utni he tezi se badhta jata hai. Jaise equity market mae risk bahut zada hota hai.
Agar aap unnlogo mese hai jo risk bilkul bhi nahi lena chahtey hai toh post office ki chhoti bachat yojna aap ke liyeh sabse aacha option ho sakta hai. Hum aapko btane jaa rahe hai aese nivesh jisme risk bilkul he nahi k barabar hai or return bhi kaafi aacha milta hai. Post Office Recurring deposit un mese ek nivesh ka rasta hai.
Kiase shuru karein post office mae RD mae nivesh.
Post Office RD deposit account behtar interest ke sath choti kisht jama karne ki ek sarkaar ki guarantee yojana hai. Is mae aap mahaj choti si rakam 100-rupee k sath bhi nivesh kar skrey hai. Nivesh ki adhiktam limit nahi, aap jitna chahe paisa daal sktey hai.
Is scheem k liyeh account 5 saal tak khola jaa sakta hai. Halaki Bank 6 mahine, 1 saal , 2 saal, 3 saal k liye recurring deposit account ki suvidha dete hai. Isme jama hue paiso par interest calculate teen mahine baad hota hai or isse har teen mahine baad isse account mahine k baad calculate kar k appke account mae jor dia hai. jisse hum compound interest bhi kehhtey hai.
Jaaneyeh kitna mil skat hai ‘Interest’
Recurring deposit scheme par filhaal 5.8 present ka interest mil raha hai. Yeh nai dar 1 april 2020se laagu hai. Bharat sarkaar apni sabhi choti bachat yojnaien ki interest daare har teemahi mae tae karti hai.
10,000 har mahine daalne par milengey 16,00,000
Agar aap har mahine office ki RD scheme mae 10 hzaar rupae daaltey hai toh 10 saal tak uss raashi ka istemaal kar sktey hai. Toh aapko 10 saal baad 5.8 percent ki interest par 16 lakh rupae se bhi zada milega. Jaise.
Har mahine nivesh – 10,000
Interest – 5.8 %
Maturity – 10 saal
10 saal baad maturity amount hai 16,28,963 rupae
RD Account k bare mae zaruri baatein
Khate mae appko regular paisa jama kartey rehna parega. Agar aapne paise jama nahi kiyeh toh har mahine aapko 1 % jurmana dena parega . 4 Kistey chukane k baad aapka khata band kar dia jaega.
Post Office RD par TAX
Recurring deposit par nivesh karne par TDS Kaata hai. Agar deposit 40,000 rupae se zada hai toh 10 percent saalana ki dar se TAX lagta hai. RD par milne wale interest par bhi tax lagta hai
Post Office ke aalawa Sarkari or neeji dar par bhi Tax ki suvidha dii jaati hai.
Bank ki Recurring Deposits.
Duration RD KE DAR
YES Bank
(12 se 33 mahine tak) 7.00%
HDFC BANK
(90/120 mahine) 5.50%
Axis BANK
(5 se 10 saal) 5.50%
SBI Bank
(5 se 10 saal) 5.40%
