Government Ki Ye Scheme Aaj Bhi Log Ignore Kar Rahe Hain
Socho…
Paisa doobne ka zero risk
Government khud guarantee de
Aur maturity par ek rupya bhi tax na lage
Phir bhi 80% log is scheme ko ya to jaante nahi, ya serious nahi lete.
Is scheme ka naam hai PPF – Public Provident Fund.
🤔 PPF Aakhir Hai Kya?
PPF ek long-term saving + investment scheme hai jo Government of India chalati hai.
Iska main aim hai logon ko future ke liye paisa jodne ki aadat dalwana.
👉 Matlab:
Aaj thoda thoda jama → Kal bada fund ready 💰
💡 PPF Kaam Kaise Karta Hai? (Simple Language)
Aap bank ya post office me PPF account open karte ho
Saal me minimum ₹500 jama karna zaroori
Maximum ₹1,50,000 saal ka
Time period 15 saal
Har saal government interest jodti hai
Interest compound hota hai, yaani pichhle interest par bhi interest 📈
📊 PPF Me Kitna Return Milta Hai?
PPF ka interest rate government decide karti hai.
Aksar 7% – 7.5% per year ke beech rehta hai.
Example jo aankh khol de 👇
Agar aap:
Har saal ₹1,50,000
15 saal tak jama karte ho
👉 Total invest: ₹22,50,000
👉 Maturity: ₹40–42 lakh (approx)
Aur ye poora paisa safe + tax free 😮
🔥 Sabse Badi Baat – TAX ZERO!
PPF ka sabse bada game changer point 👇
✔ Jama kiya paisa → tax free
✔ Milne wala interest → tax free
✔ 15 saal baad milne wali amount → tax free
Is category ko bolte hain EEE benefit
(Investment, Interest, Maturity – sab tax free)
🧍♂️ Kaun PPF Open Kar Sakta Hai?
✔ Salaried log
✔ Business wale
✔ Students
✔ Housewife
✔ Bacchon ke naam par guardian
❌ NRI naya PPF account open nahi kar sakte
💸 Kya Beech Me Paisa Nikal Sakte Hain?
Haan, par rules ke saath 👇
7 saal baad partial withdrawal
3rd se 6th year ke beech loan
15 saal baad poora paisa
Aur chaaho to 15 saal baad
👉 5-5 saal ka extension bhi possible
⚖️ Sach Bolun To – Fayda Aur Nuksaan Dono
✅ Fayde
100% government guarantee
Market crash ka koi effect nahi
Retirement ke liye perfect
Tax tension zero
❌ Nuksaan
Jaldi paisa nahi milta
Short term ke liye bekaar
Mutual fund jaisa high return nahi
🏦 PPF Account Kahan Open Karein?
SBI
PNB
HDFC
ICICI
Ya Post Office (sabse easy)
Documents:
Aadhaar
PAN
Photo
🧠 Final Verdict (Seedhi Baat)
Agar aap:
Risk nahi lena chahte
Future secure karna chahte
Aur government-backed scheme chahte ho
👉 PPF ko ignore karna sabse badi galti ho sakti hai.
Ye scheme dheere chalti hai,
par jab result aata hai
to game palat deta hai 💥
