PPF Kya Hai? | PPF Scheme Ki Puri Jankari 2025

PPF (Public Provident Fund) ek surakshit bachat yojana hai jo tax-free munafa deti hai. Janiye PPF ka interest rate, labh, aur kaise khata kholte hain 2025 mein

PPF (Public Provident Fund) Kya Hai?

Public Provident Fund (PPF) ek long-term bachat aur investment scheme hai jo government of India ke dwara surakshit hai. Is scheme ka main focus long-term saving aur tax benefits dena hai. PPF account mein ki gayi investment par achha byaaj milta hai aur maturity par pura paisa tax-free hota hai.

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PPF Scheme Ke Fayde (Benefits of PPF)

Tax-Free Returns:
PPF ka pura maturity amount aur interest completely tax-free hota hai under Section 80C.

Government Guarantee:
Aapka paisa bharosemand hai kyunki yeh scheme government ke dwara backed hai.

Flexible Investment:
Saal bhar mein minimum ₹500 aur maximum ₹1.5 lakh tak jama kar sakte ho.

Partial Withdrawal Facility:
7 saal baad aap kuch hissa nikal sakte ho.

Loan Facility:
3rd aur 6th saal ke beech mein aap PPF ke against loan le sakte ho.

PPF Account Kaise Kholen? (How to Open PPF Account)

  1. Kisi bhi bank ya post office mein jaake application form bharen.
  2. Aadhaar Card, PAN Card aur address proof submit karein.
  3. Minimum ₹500 ke saath apna PPF account activate karein.
  4. Aajkal online banking ke zariye bhi PPF account open karna aasaan hai.

2025 Mein PPF Interest Rate Kya Hai?

2025 ke liye PPF ka interest rate approx 7.1% per annum hai. Yeh rate har quarter mein government revise karti hai, lekin yeh ek fixed return provide karta hai jo market risk se protected hai.

PPF Ke Important Rules

Lock-in Period: 15 saal ka lock-in period hai.

Deposit Frequency: Saal mein ek baar deposit karna zaroori hai.

Extension: 15 saal ke baad aap 5-5 saal ke liye extend kar sakte hain.

FAQs About PPF (Public Provident Fund)

Q.1: Kya main ek se zyada PPF account rakh sakta hoon?
Ans: Nahin, ek vyakti sirf ek hi PPF account rakh sakta hai.

Q.2: Kya NRI PPF account mein invest kar sakte hain?
Ans: Naye NRI log PPF account nahi khol sakte. Lekin agar India mein rehte waqt account khula tha to maturity tak maintain kar sakte hain.

Q.3: Kya main apne bachon ke liye bhi PPF account khol sakta hoon?
Ans: Haan, minor ke naam se guardian ke taur par account khola ja sakta hai.

Conclusion

Agar aap safe aur tax-free investment dhoondh rahe hain to PPF Scheme ek behtareen option hai. Apna PPF account aaj hi open karein aur apne future ko surakshit banayein!

Agar aapko PPF ke baare mein aur jankari chahiye ya account kholne mein madad chahiye, to comment karke zaroor puchhein!

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