Are you lot planning to invest? Are you lot worried virtually investments? If you lot are novel as well as don’t desire to accept much risk, you lot tin endeavour traditional methods of investing. India Post office offers nine types of saving schemes. Here is a expect at the various schemes offered past times the post service purpose and their prominent features.
1. Post Office Savings Account
The post service purpose pays an involvement charge per unit of measurement of 4% per annum on deposits inwards its savings concern human relationship which tin hold out held individually or inwards articulation name. H5N1 mortal tin opened upwards a savings concern human relationship alongside a minimum deposit of Rs 20. In representative of a non-cheque facility account, the client is required to hold a minimum residual of Rs 50.
2. 5-Year Post Office Recurring Deposit Account (RD)
The post service purpose pays an involvement charge per unit of measurement of 6.9% inwards its recurring deposit account. The involvement is compounded on a quarterly basis. On maturity, a recurring deposit of Rs 10 per calendar month fetches a furnish of Rs 717.43 over v years. The concern human relationship tin hold out opened against a minimum of Rs 10 per calendar month or whatsoever amount inwards multiples of Rs 5.
3. Post Office Time Deposit Account (TD)
The post service purpose offers the fourth dimension deposit or fixed deposit concern human relationship inwards 4 options of maturity periods: 1 year, ii years, three years as well as 5 years. For 1 year, the involvement charge per unit of measurement is 6.6 per cent, for ii years it is 6.7 per cent, for three years the involvement charge per unit of measurement is 6.9% as well as for 4 years it is 7.4 per cent. With simply Rs 200, you lot tin opened upwards a fixed deposit alongside the post service office.
4. Post Office Monthly Income Scheme Account (MIS)
The post service purpose offers an involvement charge per unit of measurement of 7.3 per cent on deposits inwards the monthly income system (MIS) account. The involvement is payable on a monthly basis. The minimum investment required to laid upwards a MIS is Rs 1,500 as well as the maximum investment limit is Rs 4.5 lakh inwards unmarried concern human relationship as well as Rs nine lakh inwards articulation account.
5. Senior Citizen Savings Scheme (SCSS)
The post service purpose pays an involvement charge per unit of measurement of 8.3% on deposits inwards the senior citizen savings account. The post service purpose permits entirely i deposit inwards this concern human relationship of an amount inwards multiples Rs 1,000. The maximum limit should non overstep Rs xv lakh.
6. xv twelvemonth Public Provident Fund Account (PPF)
The Public Provident Fund Account (PPF) concern human relationship earns an involvement charge per unit of measurement of 7.6%. The concern human relationship tin hold out opened alongside an investment of a minimum of Rs 500. Deposits tin hold out made equally lump meat or inwards 12 installments.
7. National Savings Certificates (NSC)
The National Savings Certificate earns an involvement charge per unit of measurement of 7.6%. The involvement is compounded annually as well as payable at maturity. Investment tin hold out made against a minimum of Rs 100 equally deposit. An amount of Rs 100 returns Rs 144.23 afterward the maturity menstruation of v years inwards this account. These deposits qualify for taxation rebate nether Section 80C of the information technology Act, according to Republic of Republic of India Post.
8. Kisan Vikas Patra (KVP)
The post service purpose pays an involvement charge per unit of measurement of 7.3% on deposits inwards Kisan Vikas Patra (KVP). The KVP system requires a minimum investment of Rs 1,000 as well as it should hold out inwards multiples of Rs 1,000. There is no maximum limit if you lot desire to invest inwards the KVP. The amount deposited inwards the Kisan Vikas Patra doubles inwards a menstruation of 118 months.
9. Sukanya Samriddhi Accounts
H5N1 Sukanya Samriddhi system concern human relationship volition fetch you lot an involvement charge per unit of measurement of 8.1%. This system is meant for the daughter tyke as well as the minimum amount required for investment is Rs 1,000. The concern human relationship tin hold out opened upwards to historic menstruation of 10 years from the engagement of nascency as well as tin hold out unopen afterward completion of 21 years. Deposits tin hold out made equally a lump sum.
0 komentar:
Posting Komentar