I had no knowledge of PPF... except that my husband got one PPF acc opened for me as I was working... I feel so informed after watching your video. Thanks.
Please don't close your ppf act after 15 years .The scheme gives benefits only after that . If possible , maximum 1lakh 50000 before 5thapril every year and see your money grow in leaps and bounds with advantage of compounding
I watched many vedio on you tube regarding PPF this is the best and complete vedio i have seen tq so much u have cleared all the topics in one vedio. I enjoyed whole concept u explined but 1 think we are living in this generation hence maximum living year as i know is 45 yaer😅🤣 so give the data as per real market conditions or els it will herts when person get huge money on the age of $70 😂😂 😢
Very informative video. I have a few queries to ask. 1. Suppose my parents have PPF account in their name; what will happen after their demise? will I be given the total amount of money( considering the fact that I have been nominated by them) or will I be able to continue their PPF account in my name? 2. what happens to your PPF account once your status changes to normal Indian citizen to NRE?
I request all of you to examine the interest rate of developed countries to assess the impact on your returns. If India wants to be developed its reliance on debt creation will grow therefore interest rates will have to come down below inflation and stay there for longer. This way the govt will be able to reduce its debt burden and create liquidity to spur investments. Even though PPF is a financial asset but not a lucrative one so I prefer investing bonds, stocks, real estate and gold.
मैंने अक्टूबर 2015 में PPF account खुलवाया था। और उसमें 2015 & 2016 में ही राशि जमा करवायी और बाद में नही करवायी क्या अब राशि जमा करवा सकता हूं या नही, करवा सकता हूं तो वार्षिक कितनी? 🙏🏼
Furnishing PPF account scheme details in Hindi is 0.K. But you should give scheme details in English also, so that those of us who cannot understand and follow Hindi will be benefitted. This should be made applicable to all Govt of India schemes. S.Jithendra Kumar.
I think Hindi should be mandatory to all South Indian schools so that problems like yours should not happen to any of Indian individuals. Best solution is show chota bhim and other Hindi cartoon to your kids so next time your kid doesn't face the same problem as yours.
You have done hard labour to deliver this amazing session on PPF. My respect goes to you Brother❤ Please make a video on future investment planning, how to invest so that we can accumulate crores in our retirement. If request video is already there please share the link in this comment section.
You really covered it in detail and explained very nicely. It is helpful. Thank you for your efforts. But i want to know one crucial thing here, What is the amount of 10000000 (One Crore) rupees would be after 40 years from now, if the inflation rate is growing at 6% in India. And, the inflation rate can be 9% or 10% after 40/50 years from now. Please make one video explaining this so that most common people would be able to understand the impact of inflation rate on their invested money for such long years.
This year govt. didn't increase the ppf interest. Govt knows it very well once people entered in it can't go out, whatever maybe the interest rate. While common deposits are earning more than 8%, ppf is earning only 7.1%. What about those middle class people who are entering in this scheme for higher interest only? Govt should reconsider it.
govt will increase interest in july or October quarter ...as next year is election... just notice interest rate for july 2018 it is increased and suddenly decreased from july 2019 😂😂
@@sidhantbhandari8006you should talk with some balanced and logical views.. if deposit interest decreases, then various retail loans like home vehicle education extra also decreases, and if deposit rate increases, the loan rates also increase. It doesn't happen that deposit rates like this scheme decreases whereas loan rates increase . Both are linked to the REPO rate. This is simple banking and if you don't maintain that , for example if you make the deposit rate higher than loan rates, the bank will go into liquidity and close down. in all the developed economies or countries, deposit rates are very low like 1-2% , and so the loan rates are also 1.5-2% . This helps in economic growth as this helps in movement of goods and services. This has nothing to do with elections
Hello Guduji, Instead of explaining about exemptions on taxes, pre-matured advance, withdrawal etc., pl. show in a tabular format in brief how much shall be da amt. of maturity against monthly deposits of certain amount in PPF.
Even if you don't want to invest in PPF, opening PPF account is beneficial. You can just do min 500 PA investment to keep it active. Then, when the maturity time is few years away and interest rate is lucrative, you can start doing max investment to get tax free interest instead of doing FD😅
Tab to aaj ki tareeke me FD is better option than PPF as rate of intrest is decreasing history I started it in 2003 @9% n now its 7.1% but Thanks a lot ki pura time dekar samjha ya sab points❤
I have renewed my PPF after 15 years. Then one more time after 5 years. But now the next renewal is not allowed by SBI. Can you please share the web link where this information is captured
Sir it was so informatic ... 1 (one) question remains untouched which needs to be addressed... Sir is it necessary to invest equal amont through the year. Like 1000 monthly or 12000 yearly. Is it compulsory to keep fixed. Can't we do like 1000, 5000, 2000, 3500 again 500 .... Keeping the total investment under the yearly limit of 150000 ?
I will answer this question as I have a PPF account. Yes, it's your choice how much you wanna invest in a month(minimum 500 in a year to keep the account active). Make sure why the end of the FINANCIAL YEAR, the total should be 1.50 lakh( I know most Indians won't be able to invest that amount). I hope this answers your query
Sir as u say,2ppf accounts cannot b open nor b close before maturity then is this possible that PPF account can b transferred from 1bank to other bank or post office? Sir plz guide
I have a small doubt, will the interest of PPF account be compounded and will be treated as principal amount for further years, OR will we get the interest in our savings bank account every year?
I have a question, if someone has a ppf account and now is settled outside India as a permanent resident of that country(not citizen). In that case can he still deposit money in ppf account?
Can we only deposit 500 Rs if we missed to deposit money in some financial year? Can I deposit 150k+140k in current financial year If I deposited 10k Rs in 2005 ?
Sir I watch almost all videos of yours you explain so well with examples which is quite easier to understand. Sir I am searching for the Sovereign Gold Bonds but there is no video of yours on that topic, Please Make a video on Sovereign Gold Bond Sir
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I had no knowledge of PPF... except that my husband got one PPF acc opened for me as I was working...
I feel so informed after watching your video.
Thanks.
Please don't close your ppf act after 15 years .The scheme gives benefits only after that . If possible ,
maximum 1lakh 50000 before 5thapril every year and see your money grow in leaps and bounds with advantage of compounding
@@Raj0834-ps1rm
Do you mean to say deposit 1lakh 50000 before 5th April every year?
Thanks.
Aapne jitna details me PPF schemes ko cover kiya hai vaise koi nhi krta hai pure RUclips channel pr
Thank you❤🌹🙏 so much sir
Income tax dene wale bharte hai
Excellent clarification of ppf account, good job .
ppf সম্পর্কে বিস্তারিত আলোচনা শুনলাম খুব ভালো লাগলো
Very clear explanations. Thank you. This one video is enough to learn everything abt ppf. 👍
Bhut ache se smjhaya 👌👏👏👍
Chhoti Chhoti chizo ko clear krna hi, apke channel ki strength h
Thanks 😊
बहुत ही जबरदस्त एक्सप्लेन किया सर वाकई मजा आ गया वेरी नाइस थैंक यू सर ❤
Aur ap sir yeh video dekh ke 30 mintute ki jo 5 mint m covet ho skti thi bnde ko 1 lakh ka faida krwa diye😅😅
😮😮lp😊@@titansood8001
Apka Jo samjhana ka tarika hai o hamko bahut hi accha lagta hai
The way you explain is so practical and anyone can easily understand
This guy is explaning so well. Excellent explanation
Thank you sirr...ye bat bilkul sahi hai...apne basic level pe samjhaya,,ganw k anpad v samaj jayega..thank you v.v.v. much sirr
Very very informative videos sir keep it up God bless you
बहुत बहुत धन्यवाद सर आपने बड़े सरल शब्दों में पीपीएफ अकाउंट के बारे में पूरी जानकारी दी थैंक यू सर जी
बहुत बहुत धन्यवाद। आज तक हमे बैंक ने भी इतने अच्छे तरीके से नही समझाया था।
भाई बहुत मेहनत की आपने.. समझा डाला सब कुछ.. Thank you for detailed information and analysis
Very True.
Bahut achcha samjha rahe hain sir
Thanq soooo much sir apne har choti se choti chij is video me discuss kri I salut to your hard work ❤
Very informative video every thing explained in detail
Bahut saral tarike se samjhaye
😊😊
Wonderful job! You addressed all the key points perfectly. Outstanding work! I'm subscribing to your channel.
Bhai lgta hai apko kuch Jayda hi samj may aa gya... Fudu kata hai aapka
Too good nice explanation....thanku so much 🙏. Private job walo ke liye best hai ...mai bhi daalungi .. per month kuch to invest kr hi skty h😊
Deth ma su suvidha chhe?
Very well explained each n every point.
Sir isme mere kafi sawalo ke jawab mil gaye thanks
Great explanation beta thanku so much❤❤
I watched many vedio on you tube regarding PPF this is the best and complete vedio i have seen tq so much u have cleared all the topics in one vedio. I enjoyed whole concept u explined but 1 think we are living in this generation hence maximum living year as i know is 45 yaer😅🤣 so give the data as per real market conditions or els it will herts when person get huge money on the age of $70 😂😂 😢
Very nice explanation sir
Nicely explained sirji..Definitely every body will like .Thank you sir
Ppf interest rate should be increased and online withdrawal facility needs to be implemented
PPF intersert rate should match with inflation atleast.
@@habeebkhan1811 Yess
Actually with compounding it will be 7.5%..as it is tax free... Effective interest is 7.75%.. Which is good
Now PPF withdrawal facility available online for Post office
@@RuhulAmin-pu6id For banks??
Very nice and informative video.Thanks for explaining so well.
Every citizen must open a PPF account. This is a very good scheme of government,❤
Wa bete bahut badhiya sab kuch samjha dala ❤ you are excellent Teacher Sir❤😊
U r amazing bro ,ur explain action is awesome with example... keep going and post most videos
Sir bhut achhe se smjhaya sir sal me kisi bhi mhine me dal skti hu paisa 5 tarik se phle
Great work 👍 we need these details explanation.. thank you for sharing these
Jao app bhi jao aur apka fudu katwao, kya khiladi bnega retu ram prasad
जानकारी देने के लिए आपको बहुत बहुत धन्यवाद
आपने बहुत अच्छे तरीके से समझाया इतनी अच्छे तरीके से तो बैंक वाले भी नही समझाते है❗ और ना ही उनको इतनी गहरी जानकारी होती है ❗❗
Very good Expansion sir🙏
❤ great explanation sir
Bahut hi achhi tarike se basic ko clear krte hue btaya...apka dhanyawad
Very well explained, thanks
Bhai sach me saare doubt clear kar diye , thanks bro
My pleasure .
Regards
this is my 1st financial educational class sir and i learn about this PPF ...
very very valuable information dear, God bless you, and live long long with good health and wealth:)
Thanku soo much for your wishes 🙏🏻
Sir very understanding explanation,, before don't know about ppf ,, but now New it, for my son i have opened ppf going to be 2year,, thanks
Sir aap jaise samjhane wala aap ya khan sir h PPF account ke bare me batane ke liye dhanyawaad sir
Explained nicely.
Very Good Info. Well done.
Very informative video. I have a few queries to ask. 1. Suppose my parents have PPF account in their name; what will happen after their demise? will I be given the total amount of money( considering the fact that I have been nominated by them) or will I be able to continue their PPF account in my name? 2. what happens to your PPF account once your status changes to normal Indian citizen to NRE?
noo
Maine bhi kraya hai sir
Tq so much bht Acha information dia hai
1 - Better to deposit by 5th of each month
2- deposit max in early or first 6 months to get best benefit
🙄
What is additional permissible subscription in PPF? I would see some ammount from balance displaying under APS.
Good evening sir ji very informative video
Thank you Sir ! You have suggested well and good. Now we should have to do which capability is supportable . Thanks a lot.
Very well explained, Thank you sir
I request all of you to examine the interest rate of developed countries to assess the impact on your returns. If India wants to be developed its reliance on debt creation will grow therefore interest rates will have to come down below inflation and stay there for longer. This way the govt will be able to reduce its debt burden and create liquidity to spur investments. Even though PPF is a financial asset but not a lucrative one so I prefer investing bonds, stocks, real estate and gold.
15 yrs is short time for India to become fully developed country 😂
good explantion sir g💐
मैंने अक्टूबर 2015 में PPF account खुलवाया था।
और उसमें 2015 & 2016 में ही राशि जमा करवायी और बाद में नही करवायी
क्या अब राशि जमा करवा सकता हूं या नही, करवा सकता हूं तो वार्षिक कितनी?
🙏🏼
करवा सकते हो
Karwar sakte ho.
आज समझ मे आ गया सर जी धन्यवाद 🎉
Furnishing PPF account scheme details in Hindi is 0.K. But you should give scheme details in English also, so that those of us who cannot understand and follow Hindi will be benefitted. This should be made applicable to all Govt of India schemes.
S.Jithendra Kumar.
I think Hindi should be mandatory to all South Indian schools so that problems like yours should not happen to any of Indian individuals. Best solution is show chota bhim and other Hindi cartoon to your kids so next time your kid doesn't face the same problem as yours.
You have done hard labour to deliver this amazing session on PPF. My respect goes to you Brother❤
Please make a video on future investment planning, how to invest so that we can accumulate crores in our retirement. If request video is already there please share the link in this comment section.
You really covered it in detail and explained very nicely. It is helpful. Thank you for your efforts.
But i want to know one crucial thing here, What is the amount of 10000000 (One Crore) rupees would be after 40 years from now, if the inflation rate is growing at 6% in India. And, the inflation rate can be 9% or 10% after 40/50 years from now.
Please make one video explaining this so that most common people would be able to understand the impact of inflation rate on their invested money for such long years.
you got it😂😂😂
Thank you sir for the detailed information
This year govt. didn't increase the ppf interest. Govt knows it very well once people entered in it can't go out, whatever maybe the interest rate. While common deposits are earning more than 8%, ppf is earning only 7.1%. What about those middle class people who are entering in this scheme for higher interest only? Govt should reconsider it.
govt will increase interest in july or October quarter ...as next year is election... just notice interest rate for july 2018 it is increased and suddenly decreased from july 2019 😂😂
Baniyo se jada umeed mat karo bhai
@@sidhantbhandari8006you should talk with some balanced and logical views.. if deposit interest decreases, then various retail loans like home vehicle education extra also decreases, and if deposit rate increases, the loan rates also increase. It doesn't happen that deposit rates like this scheme decreases whereas loan rates increase . Both are linked to the REPO rate. This is simple banking and if you don't maintain that , for example if you make the deposit rate higher than loan rates, the bank will go into liquidity and close down.
in all the developed economies or countries, deposit rates are very low like 1-2% , and so the loan rates are also 1.5-2% . This helps in economic growth as this helps in movement of goods and services. This has nothing to do with elections
Govt didnt want middle class to grow... Sad but true.
Superbly explain sir👍
Thanku soo much .
Regards
Those who are complaining about the length of vidoe they are requested to watch in 1.5 or 2x speed😅
Very nice suggestion
😂😂😂 Mai toh yahi krti hu
Good explaination, सर!
Bahut achhi jankari di sir app ne
Hello Guduji,
Instead of explaining about exemptions on taxes, pre-matured advance, withdrawal etc., pl. show in a tabular format in brief how much shall be da amt. of maturity against monthly deposits of certain amount in PPF.
Bahot khoob❤
Even if you don't want to invest in PPF, opening PPF account is beneficial. You can just do min 500 PA investment to keep it active. Then, when the maturity time is few years away and interest rate is lucrative, you can start doing max investment to get tax free interest instead of doing FD😅
Rich people will definitely do it..
In case of demise of account holder during 15 yrs period, what will be the out come of PPF account.
@@narendradev2330 Total Amount with interest will be given to your nomini/legal hier.
Is there any death benefit?
What happens if I have not deposited anything in my ppf account for 8 years and now I want to deposit
Bhai tumhara har ek topic ko samjhane ka tareeka bahut hi achha hai. I personally like it very much. Keep it up 🌷🌷
Interest rates will be around 1-2% in next 30-40 years just like US, UK. Not much benefit in long-term extension
But good video overall !!!
OMG kaise jiyenge log phir
Toh phir tab nikal lo na kya jata hai humara
Very well explained….Thanku
One more addition, in any yours mis circumstances, Police, Court, Govt, ED or any Agency cannot attach your PPF A/c like PF.
Prime information 👍
Tab to aaj ki tareeke me FD is better option than PPF as rate of intrest is decreasing history
I started it in 2003 @9% n now its 7.1% but Thanks a lot ki pura time dekar samjha ya sab points❤
Bahut acche se samjhaya 👌
Thanku soo much.
Regards
Thank you 🙏🙏 बहुत ही बढ़िया समझाया
Sir, is ppf rate of rate is same for all bank ? In ICICI it is also 7.1 rate of interest
Yes, There is no difference as interest is as per government norm!
Aap jo bolte ho bahot achhe se szmaj aata he
I have renewed my PPF after 15 years. Then one more time after 5 years. But now the next renewal is not allowed by SBI. Can you please share the web link where this information is captured
What is additional permissible subscription in PPF? I would see some ammount from balance displaying under APS.
It is allowed
आपने ये कैसे कह दिया भाई की ये सुकन्या समृद्धि योजना से भी बेहतर है 😮😮😱😱😱
Sir it was so informatic ... 1 (one) question remains untouched which needs to be addressed...
Sir is it necessary to invest equal amont through the year.
Like 1000 monthly or 12000 yearly. Is it compulsory to keep fixed. Can't we do like 1000, 5000, 2000, 3500 again 500 .... Keeping the total investment under the yearly limit of 150000 ?
I will answer this question as I have a PPF account. Yes, it's your choice how much you wanna invest in a month(minimum 500 in a year to keep the account active). Make sure why the end of the FINANCIAL YEAR, the total should be 1.50 lakh( I know most Indians won't be able to invest that amount). I hope this answers your query
Minimum 500 to be invested annually to keep account active otherwise as per ur convenience with tax planning
You can do
Minimum 500 and Max 1.5L (yearly) iss bich jitna daalna hai daalo no restrictions. Yearly 500 minimum daalne padenge tumne
You can invest Rs.500 to 1.5 lacs per year....upper total deposit limited to Rs.1.5 lacs per year.
But max.12 times in a financial year Only.
Sir 🙏🙏 bahut achhaa samjaya
क्या ये sip से बेहतर हैं.
No, ppf me interest rate fix he, sip me variable hota means more than 7%
Ppf is tax free
Yes better than sip
Very good. Go ahead.
Sir as u say,2ppf accounts cannot b open nor b close before maturity then is this possible that PPF account can b transferred from 1bank to other bank or post office? Sir plz guide
It is online,no need to transfer.
Amazing explanation. Thank you so much.
Is the PPF account of a married couple treated as a single account or treated separately?
Single
one pan one person
Well Explaind sir🎉
I have a small doubt, will the interest of PPF account be compounded and will be treated as principal amount for further years, OR will we get the interest in our savings bank account every year?
Compounded annually
PPF is not an investment plan but purely for financial security.
Power of compounding.
1.5 lacs for 60 years gets you 12,21,00,000=00
@@shaileshkher3423 what will you do of that amount after 60years
@@tejas788❤
@@tejas788It will be beneficial for the next gen.
Bhaiya aap ne bohot accha explain Kiya hai 🙏
I have a question, if someone has a ppf account and now is settled outside India as a permanent resident of that country(not citizen). In that case can he still deposit money in ppf account?
❤
Very nice and useful information
Jai shree Ram
❤
grat information 👍
जबसे BJP ने अपने परम मित्र अडानी को हिडन बर्ग रिपोर्ट के बाद PPF में से लोन दिया है, तबसे वोभी खतरेमे लगने लगा है हमारा PF,
Information dene ke liye thank you
Can we only deposit 500 Rs if we missed to deposit money in some financial year? Can I deposit 150k+140k in current financial year If I deposited 10k Rs in 2005 ?
Sir I watch almost all videos of yours you explain so well with examples which is quite easier to understand. Sir I am searching for the Sovereign Gold Bonds but there is no video of yours on that topic, Please Make a video on Sovereign Gold Bond Sir
50 saal baad is paise ko lekar kya karenge bhai, kya majaak hai😅😅😅😅
Ye questions us insan se pucho jo avi 40,ya 50 ke hai... Syd wo is bt ko sahi se explain kr payenge apko.... 😂😂😂
😂😂😂
Tere bache ke kaam ayenge
@@optiontradewithom377😂😂😂😂😂
Pese ke bina kusha nahi hoga . Marne ke bad bhi kam Aata he bina pese ke marna bhi toba toba jine ka kya matal 😂😂😂bina pese ke
🙏🙏🙏 सर आपने एकदम आसान भाषामे सिखाया
This interest rate of PPF is not stable.Will vary from time to time .
One disadvantage is vital because we are getting into lock for 15 years
But we can take loan if emergency or for foreign trips & can repay in old age thro’ PPF😂😂