PPF Account Kya Hai? Public Provident Fund Explained - Benefits, New Interest Rate 2022, Calculator
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- เผยแพร่เมื่อ 4 ต.ค. 2024
- PPF Account Kya Hai? Public Provident Fund Explained - Benefits, New Interest Rate 2022, Calculator
PPF or Public provident fund scheme is a very popular retirement planning scheme offered by the Government of India. PPF account has many advantages in retirement planning and this video we have explained you every thing about public provident fund in hindi language.
PPF Calculator: groww.in/calcu...
Chapters or Timestamp
00:44 what is ppf account
01:00 benefits of PPF
01:28 who can invest in PPF
01:54 PPF investment minimum and maximum limit
04:13 latest interest rate
05:26 loan and partial withdrawal
07:00 partial withdrawal facility
07:42 premature closure
09:40 PPF maturity
10:05 extension
11:17 interest calculation
08:39 loan against PPF
09:48 Compounding Interest
11:58 Conclusion
In this video, we have explained the following topics
Is PPF good as a long term investment option?
Is public provident fund tax-free?
What are the tax benefits of PPF?
Is PPF interest taxable?
What are the benefits of investing in PPF account?
How one can deposit money in PPF account?
Where a PPF account can be opened?
How to open a PPF account?
How to calculate the profit of PPF?
How interest is calculated in PPF investment?
How partial withdrawal can be done from the provident fund account?
What are the rules for premature closure of PPF account?
PPF new rules 2022
#ppf
#ppfcalculator
#ppfaccount
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Aap ke movement bhi imp hai isase thik se samajh ata hai.... Thanks
Hatayiye woh safed kya rakha hai
वाह क्या बात है बहुत हि शानदार तरीके से समझाया
म्यूच्यूअल फण्ड की टैक्स सेविंग स्कीम में 15 तक जमा रखने पर 16% से भी ज्यादा सालाना ब्याज आ जाता है।
और शुरू करने के तीन साल बाद कभी पूरा पैसा निकालने की सुविधा रहती है।
Excellent,super information, Best deposit scheme and much better after extension of 15 years,that is compounding interest within 5 years as much as of previously you got in 15 years
PPF acount खोलने के 15 साल बाद 5 साल के लिए extend करने के बाद 5 साल पूरे होने से पहले अर्थात 17 या 18 साल बाद अधिकत्तम कितनी amount withdraw कर सकते हैं
म्यूच्यूअल फण्ड की टैक्स सेविंग स्कीम में 15 तक जमा रखने पर 16% से भी ज्यादा सालाना ब्याज आ जाता है।
और शुरू करने के तीन साल बाद कभी पूरा पैसा निकालने की सुविधा रहती है।
Kch nahi milga pura paisa sarkar kha jati hai
Bahot badiya jankari di hai apne
बुढ़ापे में करोड़पति बन के क्या फायदा न खाने को दांत होगी न पचाने को आंत..😥
कुछ ऐसा बताओ जो पाँच-एक साल में करोड़पति बन जाए तब तो कोई बात भी हुई..😊
😂
😂😂। गजब दिमाग लगाये हो और सच भी है जो ऐश करना है वो कर लो जवान रहते मे बाद बुढ़ापा तो झिंगा लाला होने नहीं है उदाहरण दांत और आंत। जो बताये हो 😅😅 वैसे योगा जवान रखने का उपाय है और आयुर्वेद सही है और सबसे जरुरी है जवानी मे स्वस्थ रहना चाहिए
राजू भाई से मिलो 21दिन मैं पैसा डबल😂😂
Option trading
Very informative....15 saal ke bad aur kitna saal extend ho sakta hai maximum ??
One Guy Start trading in share..
After 10 yrs he become crorepati.
But suddenly market crash he lost almost all his money.
He were already Investing in PPF from 15 yrs he Got 50 lacs +..
That's the power of PPF..
PPF mein paisa 100℅ secure hai..
Agar future mein apka bura waqt agaya tab PPF will GOLDMINE for you....
Share market is best agar apko knowledge hai
@@manishsilodi6516 tu invest kr. Jisko secure paisa rakhna h usko rakhne de. Tere knowledge se market nhi chalti. Pta nhi kitne paisa duba chuke h
@@shashanktyagi7746 yes m doing... reliance wipro infoays railtel me aankh band karke invest kar do...
😂😂😂 remeber bank bhi dub jata hei kabhi kabhi😂😂
I think SIP is best options 15% interest almost double
Video is very informative 💕
Aap sip bechne wale lgtey h
@@deepeshshukla6271 No brother 😀 it just my thoughts.
@@JEY_7272 First of all you must have a PPF account . First step is PPF account and then even savings account. Then SIP or any other savings vehicle .
The earliest you open a PPF account the better it is for you.
Safety, growth and security.
Money is safe and free from market manipulation and volatility
Money grows with compounding effect . Grows faster after 15 years period.
Money is secure from all . Even the government can not take it away from you.
So first account in life PPF account, then savings account and if you still have money to spare and invest then SIP or any other investment
@@MrKhabbu 👍🏻 💯
Thanks you sir very good enfomention
Sir, ek video sukanya samridhi yojana ,ssy ki next video plz✌️👍
Sir I opened my ppf account in Feb this year can I start my investment from 1april or from Feb
Thanku sir bahot bahot dhanyawad sir.
Dil se Salute aapko
Can there are chances of change of ppf interest rate any year time lower than this ? what are the situations or conditions. Pl guide.
Aupka videos pahele vi dekha auj vi dekha. Bohot acha laga. Auj channel ko subscribe and like vi kor diyaa. Keep the good work 💯% always
Thank you 🤗
Calculator starts at 11:45
Good👌👍Also Add about compounding benefits.Which is most important thing skipped.
Excellent presentation dear sir. Very effective and straight forward way of talking. Very very informative. Great work 👍👍👍
क्या हम इस account में हर महीने में अलग अलग राशि जमा कर सकते है या फिक्स होती है कि 500 एक बार जमा किये तो फिर दूसरे महीने में भी 500 ही जमा करने पड़ेंगे ???
You can deposit once or twice or multiple times depends upon you subject to minimum 500 and maximum total 1.5lakh
Nice explanation given for Small savings, a person can think for investments in PPF account, thanks Sir
I really thanks to you you nice explanation about PPF Account.Keep it up.
If I open PPF account on 1st April,2023 what will be the maturity date ❓ please reply me 🙏
add 15 years.
Add16year
@@sarveshmauryas598 thanks
1st april 2038
@@rehanhussan *thanks* 🙏
Ye schame long term ke theek hai par jiske jaldi paise ki jarurat 1-2-3-4-5 se me to uske liye sabse best hai R D account open kare aur mahine jama kare 1 year me full peyment with return intrest ye sabse best hai
RD main interest taxable hai, if it is in bank then from first year itself
Good explanation i ever found ✌️
So if I wish to open 2 accounts one fot myself as a major and 1 account for my kid as a minor - I can open 2 accounts? But the limit has to be 1.5 Lakh only .. Right? Please advise.
Very good explanation thank you for guidance keep it up 👍
Very good explanation... Thank you sir
thank you sir bhut achha btaya
Amazing explanation reg. ppf a/c thanku ji
Thank you so much! You explained it very well.
Very best knowledge diye h sir
Thank you sir for this information
Iam worried about the government policies as we all have PF account and year by year interest-is decreasing so that is why I am not sure about PPF or other schemes of gov it’s good for us or not so better go for mutual or SIP.
Hindi me bole😜😇😇
No need to worry about the money or the government. The money is safe in PF and PPF. At least your principal is always safe .
In Mutual Funds and SIP you can loose the entire Principal amount.
Government policy will effect the entire country and it’s economy.
So don’t worry and be happy.
PPF is independent of market forces so it is safe . It will grow always and more after the 15 th year because of compounding.
And no lender or government can take the money away from you
HDFC main PPF account banaya but uska intrest Kahan dekhen ???
One thing you missed is that suppose we invest in PPF for say 30 yr then interest rate will not remain 7.1 for 30yr duration, it might go down as low as 6 or 5.8 etc. As PPF rate used to be over 8 and now it is 7.1
It might also go up
@@BankingBaba aqqqqq
Bilkul sahi bhai...2014 me 8.9 tha uske baad se to nearly har saal hi kam hoti ja rhi h....or abhi wali FIN minister to or bhi kam kr skti h
@@thevideoguy1764 Kam karnne ka ek reason hai govt. SIP mai invest badana chah Rahi hai
Sir jaise bank me hamara pahele se account ho to usme PPF ke subidha mil sakti hai...
Hme yh btay ki ESIC Our PF Me joEDLI ki subidha hai wh dono mil skta hai dath ke bad wh kya kya hai
How we will get maturity amount by cheque or other option after 15 years in bank ?
You will get it in cash
Valueable information sir bahut ache se samjayea aap ne thxs
A very useful information regarding the PPF but I have to know that the interest in This account is added quarterly or annually.
Annually
Mature hone ke baad agar account ko continue karne ke baad partial withdraw ki facilities rahegi kya
Very nicely explained..very informative n intelligently keep up the good work.
PPF account 7 saal baad Agar post office se bank me transfer hua he to maturity par kya effect padega. Pls batao
Dear Mam post office se bank ko transfer hota hai kya ?
Kaise karna padega pls inform ??
Thanks for great information!
I just have 1 query here. Yeh Interest rate kya fix rehta hai? & Maturity ke time pe Jo amount milta hai that is based on the Interest rate at which I have started my PPF account? Or the amount will be based on the 'current interest rate' at the time of maturity? Kindly clarify sir or anyone who know about it! TIA
Every quarter government review and revise the interest rate, and that respective interest rate is applicable, from past 3 years its 7.1%
@@BankingBaba ok thanks for the quick reply. Also, what about my second question? On maturity, I will get the amount with the same interest rate while starting my PPF account or at the interest rate that is prevalent at the time maturity of my investment i.e after 15 years(most probably)? Kindly confirm this once.
Bilkul PPF mein paise dalne chahie bilkul secure hai adervise insurance mein ya Anya jagah per paise share market mein lagane ki vajah PPF mein bilkul sev hai. hamen insurance company mein to Paisa bilkul bhi lagana nahin chahie risk cover ke naam per customer ko lootate mis guide karte Hain. agar koi person insurance company mein paise lagata hai to use insurance company ka risk death claim resho jarur check kar le kitna claim inhone abhi tak settle Kiya hai.
PPF account को कितनी बार 15 साल बाद 5 साल के लिए extent कर सकते है
Excellent explained
If I open my ppf account on 31mar 2023? What benefits I get?
Very nice explained
But your not explain PPF interest rate will be change time to time, 10 year before it is more than 8% but now it is only 7.1% which is less than a fixed deposit interest rate. Now many Bank offered more then 7.1% interest, I think Govt should be upgrade interest rate for PPF holder, where as Bank REPO rate increased as well as Bank Interest rate also increased but PPF Interest rate is still fixed. Now tell me If your invest 1.5 lakh annually and Govt Policy/interest will be changed after 2 year then also you can get 1cr, you may be no, than how it is secured. I appreciate your Hard Work👌💪💪
hello sir, It will be very kind of you if you could answer my query
Can PPF deduction be claimed the by the wife if this payment in her PPF account is made through check by her husband . It is ( check payment signed by husband) from the joint account which belongs to her and her husband
1 sal me ek bar ya 1 month me 1 bar paisa dalna hota he??
The thumbnail you put is totally misleading or spam the viewer. It generally indicates the quality you bring by spaming the viewer 😔
It's not. You haven't get it. It can be more than 2cr. If you invest 1.5 lakh per year and keep on doing it for more than 30 years.
Bhai ek din aapka channel bhot bdaa hoga
Very well explained
Very useful, thank you
Very well explained about ppf
If you invest RS 500 annually for 15 years in PPF you'll get RS 13561 only at the time of maturity,& this's the reality
Bhai pagal he kya
Hi
410rs per day kaha hai naki annually
Don't forget compound interest , compounding can make your money 💰💰💰💰💰💰💰
@@PrincessAnisha2 where to do that?
Sir kya abhi 17july22 ko account open karke fayda hoga
If my maturity date of ppf a/c is 1 April 2024 then what will be the last date of applying extension of ppf beyond 15 yrs maturity.kindly guild.
सर नमस्ते सर मेरा पीपीएफ अकाउंट बंद हो गया है सर इसको रिवाइव कैसे होगा 2015 से बंद है प्लीज इंफॉर्मेशन दे सर
How didi you say 410 /- instead of 150000/- .rest all nicely explained.
Nice Explanation 👏👏❤️
Outstanding brother ..thanks for Sharing this news .🙏
म्यूच्यूअल फण्ड की टैक्स सेविंग स्कीम में 15 तक जमा रखने पर 16% से भी ज्यादा सालाना ब्याज आ जाता है।
और शुरू करने के तीन साल बाद कभी पूरा पैसा निकालने की सुविधा रहती है।
Kya her month hame 500 Rs he jama Krna hoga, her mont main alag alag amount jama Kiya to kya hoga
Thank you so much for giving details about PPF clearly
sir 2 crod pr koi tex nhi lgta kya?
Nhi
Can we have more extensions after 15+5 years?
Plus 5
Plus 5 and so on...
upto age 60 extension possible
Very good information sir 🙏🙏👌
Thank you
Sir, 15 year complete hone ke bad paisa saving account me aayega ya fir cash milega...
PPF deposit is never less than 500 Rs
Correct
PPF deposit must be Rs500 annually but the minimum amount for one deposit is 50 and in multiple of 50.
Only year
Correct... minimum should be 500/- and maximum will be only 150000/-.
@@vrajpatel8834 kaise mere ac se 500 cut hota usse kam nahi
Share market me bhul Kar na Kare invest. PPF is best,agar paisa nahi uthana Hai to. Share me 15 yr invest Kiya Hai paisa milega,Lekin Jaise share market down,AAP pure down ho jaoge,15 Saal ka mahenat pani me Jayega.
I was able to trade and recover all my losses during the market crash, all thanks to sir Logan for his transparency, am grateful sir, as you are an expert trader 💅
L o g a n 9 c
I love trading with Logan, He's the perfect trader for new investors, me and my wife made about 9 lakhs on our first week of trading 💃💃
I am enjoying trading with Logan and having the best investment experience here. My portfolio so far is $23,430.12💯
7
@@SandhiyaRajput503 woh kon hai muje bataiye please muje bhi karna hai
We can pay from any Post office branch or from the main branch where the account opened?
Rs 500 Saal ke Hisab se Jama Karane se 15 Saal Baad Kitna Fayeda Hoga?
🤣🤣🤣🤣🤣🤣🤣🤣🤣bhai fayda whi 7 %ka hoga jyada karenge to jyada fayda Kam to Kam fayda
Ha
13560 mil jayega apko after 15 years
आज कि 35साल शुरु करके 60साल में 1करोड मिलेंगे ऊस वक्त 1करोड कि व्हालयु आज के 15लाख के बराबर है
@@katre1486 agar inflation ko beat krna h to sbi small cap mutual mein invest karo
Mera ek EPF account phle se hai to kya mai PPF account khulwa skta hu please reply
Video ke thumbnail par Galat Likha hai aap ne views ke liye
Can we operate it online also through an app or any govt. website??
What about the inflation rate? Is it factored in the future value of the corpus ? The value of 1 crore will be only 36 lacks after 20 years. The purchasing power of money decreases along with time so 1 crore corpus won't be able to fulfill all the needs after 20 years ...
Always a better option from keeping cash at home or in savings account.
@adyasha Mohapatra - What as per you is Better and Securer than PPF for period of 15 + years of investment ?
I am interested
Ye Baba to koi jawab hi nahi dete hain 😂😂
@@BankingBaba correct
Sir kya saal me kabhi paisa daal sakte kya aur dusra swal ki agar ko 2sra ya 3ra saal me paisa daalna chahe toh kya paisa badha sakta
Kya jaise pahle saal 5000rs toh aggle saal 8000rs badha sakta kya
Sir, is there any provision or acceptable if for the first year I pay 150000 and the remaining years 5000/- up-to 15 years. Please tell sir
Yes, You can do this
Very informative video 🙏
Please if you can make one video on Sukanya Sunidhi
Sir kya per month Intrest ka paisa milega?
Thank u for valuable information
PPF account open karne ke liye क्या-क्या documents lagta hai
Very Helpful Video Sir
Thank You
Are sir ppf acc. Sbi ya Bank of broda me kon better rhe ga? Ya koi differ ni he
Again govt change rule to only 12 deposit in 1 year
Maine june2024 me ac open kiya h intrest iss sal se milega ya agle saal se. Kuch log kahate h ki april k pehle kholo ac tabb milega nhi tho agle saal ka april se milega
If a person holds a PPF account and he converts his status to NRI, Will he be legally eligible for maintaining a PPF account in India?
Nice information
Please answer if you got reply for this.
Hi sir, if i invest 1 lakh on 14th financial year of ppf account, will i get that amount as maturity on next year? Or it take 15 years from the date of investment to mature?
You will get next year. Its tenure is 15 years from account opening
Interest of 7.1 percent is neutralized by equal rate of inflation so net benefits is zero
Always better choice than saving account and keeping cash at hom3
@@BankingBaba 😜
Don't look the inflation rate, because you didn't have to buy the product,you have to invest for saving,So watch the magic of compounding , interest you get in 15yrs,you will get within next 5yrs,and so on your interest will be double within Short period.
@@hansapatel8964 so that real value of my money will be either the same or reduced at the end of period of investment and you are advising blindly to invest Surprising and Shocking that you consider others with no knowledge of market forces.
@@dr.madhavjigajera4646 I am saying to invest in PPF,your value for money will be increase,in long time,as compounding. If you are disagree,then sorry , please tell me where to invest for long time where value for money will not be same,or reduce
Sir aapne bola k yearly 500 deposit karna hi padega aur 150000 se jyada deposit nahi karna hai so please ye clear kariye k yearly 150000 deposit karna hai ya 15 years me total 150000
Har sal 150000 jama kar sakte ho
but 500 per month se 2 crore kese??
5 pushto tak continue rakhna haii
@@manthansharma8247😅😂
500 Daily jama karna padega
my ppf and my wife PPF both ppf can i deposit 3lakh but not want tax deduction . is it possible deposit 1.5lakh+1.5lakh=3lakh in both my and wife account?
Please answer sir
Better to invest SIP then than in PPF..
Net result will always be greater in SIP
Have you heard anything about diversification?
@@BankingBaba yup but as a general public many people don't invest in multiple options..
Many invest only in 1 or 2 things..
They go for LIC first..
Secondly these kinds of investment tools..
So if they have limited options better to invest in SIP then..
After that if money left for investment then one can go for this..
Else SIP is better option
@@BankingBaba right sir i have heard and already opened a ppf account from my bank and invested in MF sip
Sir monthly ya annually koi b deposit kar sakte hain na? Or amout fixed nehi haina
Nice video sir,
But my question is if I invest now @7.1% & if after few years rate decrease then it will affect my investment or it will affect only those persons who will invest in that time period
Please clear my doubt.
Yes, it will decrease
Change will be applicable to existing investors also, but there are chances of rate increase in near future, instead of decreasing interest rate
@@BankingBaba but sir, since 2001 it's rate of interest was 11% & continue its in decreasing order.
How can we say that it's interest will be increases in future??
This is historical data, but all small saving interest rates are linked to G sec yield. And if you look at G sec yield in last few months for different tennure, its increasing.
Another reason rising Repo Rates, which will also makes the loans costlier and deposits rates also go up.
I'm also a PPF ac holder. And same question came in my mind as well. But I realised if ppf interest rate will be decrease then others schemes like FD,RD,MIS etc.will also decrease and will be lesser then ppf .so at the end ppf will be good options.
मेरे PPF account को 31मार्च 2023 को 25 साल पूरे हो चुके हैं। मैं आगे खाता जारी नहीं रखना चाहता। मुझे दिसंबर 2023 में पैसे की जरूरत होगी। क्या तब मुझे ब्याज सहित पूरा पैसा मिल जाएगा ? मैंने बैंक को अभी कुछ भी लिख कर नहीं दिया है।
As per new guidelines, I know you can deposit money in ppf account only once in a month.
Can you please share the official notification for such guidelines
@bankingbaba Check official website
Information provided in the video is taken from
1. Post office website
2. NSI India website
And from 2019 this was implemented that one can deposit in PPF account in any number of times. Before 2019 there a rule for maximum 12 deposits. And after this change in 2019 there is no change in PPF rules.
So information provided in video correct, still you think the information is incorrect please provide the official notification so that i can correct myself