PPF Account Kya Hai? Public Provident Fund Explained - Benefits, New Interest Rate 2022, Calculator
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- Опубликовано: 7 июл 2022
- 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/calculators/ppf-calc...
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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वाह क्या बात है बहुत हि शानदार तरीके से समझाया
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
Thanks for great information!
Thank you so much! You explained it very well.
Very best knowledge diye h sir
Aap ke movement bhi imp hai isase thik se samajh ata hai.... Thanks
Hatayiye woh safed kya rakha hai
Nice explanation given for Small savings, a person can think for investments in PPF account, thanks Sir
Good explanation i ever found ✌️
Thanku sir bahot bahot dhanyawad sir.
Dil se Salute aapko
Very good explanation thank you for guidance keep it up 👍
Excellent presentation dear sir. Very effective and straight forward way of talking. Very very informative. Great work 👍👍👍
thank you sir bhut achha btaya
Very useful, thank you
Very nicely explained..very informative n intelligently keep up the good work.
Can there are chances of change of ppf interest rate any year time lower than this ? what are the situations or conditions. Pl guide.
Valueable information sir bahut ache se samjayea aap ne thxs
I really thanks to you you nice explanation about PPF Account.Keep it up.
Very nice explained
Super explaind sir ..thank you..
Thanks you sir very good enfomention
Bahot badiya jankari di hai apne
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।
Thank u for valuable information
Very good explanation.
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 🤗
Thank you
Very nice information thanks
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
🙏 शानदार 👍👍
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।
Sir, ek video sukanya samridhi yojana ,ssy ki next video plz✌️👍
Nice advise sir 🙏
Very good conceptual information.
Thank you so much for giving details about PPF clearly
Very Helpful Video Sir
Thank You
Excellent explained
Good👌👍Also Add about compounding benefits.Which is most important thing skipped.
How we will get maturity amount by cheque or other option after 15 years in bank ?
You will get it in cash
A very useful information regarding the PPF but I have to know that the interest in This account is added quarterly or annually.
Annually
Very Very thanku so much
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.
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।
Very well explained 🙂
500 ru mahine jama karne per kitna milega 15 shaal me kitna milegs
Very good explanation... Thank you sir
Amazing explanation reg. ppf a/c thanku ji
Calculator starts at 11:45
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.
Mature hone ke baad agar account ko continue karne ke baad partial withdraw ki facilities rahegi kya
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
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😂😂
Very informative....15 saal ke bad aur kitna saal extend ho sakta hai maximum ??
Very well explained about ppf
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 👍🏻 💯
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.
Useful info. Thank u so much
Hy
If status change to NRI
Do we still get the interest if we don’t withdraw till maturity?
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* 🙏
Can we have more extensions after 15+5 years?
Plus 5
Plus 5 and so on...
upto age 60 extension possible
Nice information 👍
Hme yh btay ki ESIC Our PF Me joEDLI ki subidha hai wh dono mil skta hai dath ke bad wh kya kya hai
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...
How didi you say 410 /- instead of 150000/- .rest all nicely explained.
Very good information sir 🙏🙏👌
Sir I opened my ppf account in Feb this year can I start my investment from 1april or from Feb
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.
Again govt change rule to only 12 deposit in 1 year
Agar mene current month me contribute na karo to next month me 2 baar kar sakta hu? Kyoki month me ek baar ka option he to 12 ke hisab se ..?
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.
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
Good explanation!!
thank you so much
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.
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
Very nice thankyou so much.
Welcome
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।
nice video bhi mana karwa liya hay bhi
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
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
Good jankari sir
Bhai ek din aapka channel bhot bdaa hoga
Very well explained
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
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, mey monthly 2000 rupiya hisab se 24000 year ki paheye month me joma kor diya to extra benefit kuch milega ki nahi?
Sir kya abhi 17july22 ko account open karke fayda hoga
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
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 nice ❤️❤️
Thanks 👍
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
but 500 per month se 2 crore kese??
5 pushto tak continue rakhna haii
@@manthansharma8247😅😂
500 Daily jama karna padega
Thanks bhai
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
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
Nice Explanation 👏👏❤️
Really helpful
Very informative video 🙏
Please if you can make one video on Sukanya Sunidhi
Thankyou. But did you 8% interest or Ek % interest. I would request you to kindly show on screen such important figures in your video. Your video was very informative and worth sharing with anyone. Thankyou once again.
Thanks bere
Esmain, yearly, quarterly ese payment mode hote hai kya
Thank you for your explanation
🙏🏻
Thanks sir ji