Post Office MIS 2024: निवेशकों की पहली पसंद सरकारी सेविंग स्कीम होती है, जहां सुरक्षा के साथ गारंटीड रिटर्न भी मिलता है. पोस्ट ऑफिस की सेविंग स्कीम (Post Office Saving Schemes) इनमें से एक है. आज हम पोस्ट ऑफिस की मंथली इनकम स्कीम के बारे में जानेंगे, जिसमें ब्याज से हर महीने इनकम होती है. सेविंग स्कीम (Saving Scheme) में निवेश की रकम पर मिलने वाले गारंटीड रिटर्न का डेटा ज्यादातर बैंकों की फिक्स्ड डिपॉजिट्स यानी FDs से भी ज्यादा होती है. इसमें POMIS भी शामिल हैं, तो चलिए कैलकुलेशन से समझते हैं.
#postofficescheme #postoffice #govtschemes #FD #PersonalFinance #Quantmidcap #Investment #ShareMarket #MutualFunds #GoldInvestment
~HT.99~PR.147~ED.148~
#postofficescheme #postoffice #govtschemes #FD #PersonalFinance #Quantmidcap #Investment #ShareMarket #MutualFunds #GoldInvestment
~HT.99~PR.147~ED.148~
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NewsTranscript
00:00It feels so good when your hard-earned money increases by 2 times in a day and 4 times at night.
00:04For this, it is important that you invest the money in the right place.
00:09The return on investment also depends on the risk capability.
00:13So, in such a case, the first choice of investors is a government savings scheme,
00:17where you get guaranteed returns along with security.
00:20The savings scheme of the post office is one of them.
00:23And today we will learn about the monthly income scheme of the post office,
00:27in which you get income every month from interest.
00:30In the savings scheme, the data of guaranteed returns on investment
00:35is more than the fixed deposits of banks, i.e. FDs.
00:40It includes POMISP.
00:42So, let's understand by calculation in this video
00:44that how much you invest and how much you will get interest every month.
00:48Hi, this is Bhavna and you are watching GoodReturns.
00:50Every month you will have a fixed income.
00:53In the monthly income scheme of the post office,
00:55the investors get guaranteed returns every month.
00:58For example, the investor has deposited Rs. 9 lakh lump sum.
01:02The current interest rate on the scheme is 7.4% annually.
01:06As we know that in this scheme, the maturity of the investment is 5 years.
01:11So, in this regard, the amount of income from the interest every month
01:15will be Rs. 5550.
01:18That is, on maturity, the total income from the interest will be Rs. 3,33,000.
01:23And the Rs. 5550 you get every month is your return.
01:27Now, there are some important things that you should know.
01:31In the single account of the monthly income scheme of the post office,
01:34you can deposit a maximum of Rs. 9 lakhs
01:36and a maximum of Rs. 15 lakhs in the joint account.
01:40If the investor wants, you will get the total principal amount
01:42after the maturity period of 5 years.
01:45If you want, you can increase the amount of the investment for 5 more years.
01:49After every 5 years, the investors will have the option
01:52to withdraw the principal amount.
01:55Apart from this, the income from the scheme is paid
01:59through the savings account of Dwaghgarh every month.
02:02The special thing is that in the monthly income scheme of the post office,
02:05there is no TDS on the investment.
02:07But keep in mind that the income that you get through the interest,
02:11you have to pay a tax on it.
02:13Now, there are some rules about it.
02:15There are some rules about its premature closure.
02:18You should also know what it is when you go to invest.
02:22If the investor wants to withdraw the amount of the monthly savings scheme
02:25of the post office before maturity,
02:28then this facility is available only after 1 year.
02:30That is, the invested amount cannot be withdrawn within the year of investment.
02:35Apart from this, if the investor wants premature closure
02:39before 5 years in the post office scheme,
02:41then you have to pay a penalty on it.
02:43Under this, if the investor wants to withdraw the amount
02:46between 1 to 3 years,
02:49then a penalty of 2% is applied on the total deposit amount.
02:52If the premature closure is within 3 to 5 years,
02:56then a penalty of 1% is applied on the total deposit.
02:59So these were the rules and this was the monthly scheme of the post office
03:02in which you can make guaranteed earnings sitting at home every month.
03:06In the same way, to watch the videos of Personal Finance
03:09and to get more information about Personal Finance,
03:12stay connected with GoodReturns.
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