Public Provident Fund இவ்ளோ விஷயம் இருக்கா ? - Benefits
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- Опубликовано: 17 окт 2024
- Public Provident Fund (PPF) was introduced in India in 1968 with the objective to mobilise small savings in the form of investment, coupled with a return on it. It can also be called a savings-cum-tax savings investment vehicle that enables one to build a retirement corpus while saving on annual taxes. Anyone looking for a safe investment option to save taxes and earn guaranteed returns should open a PPF account.
PPF - Key Information
Interest Rate 7.1% per annum.
Minimum Investment Amount Rs.500
Maximum Investment Amount Rs 1.5 lakh per annum.
Tenure 15 years
Risk Profile Offers guaranteed, risk-free returns
Tax Benefit
Up to Rs.1.5 lakh under Section 80C
Furthermore, the accumulated amount and interest is also exempt from tax at the time of withdrawal.
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DISCLAIMER: The content of this video is my own opinion and is for information purposes only. It is not intended as a substitute for professional financial advice. It is only intended to provide educational purposes.
தங்களது விளக்கம் மிக அருமையாக இருந்தது லோன் வாங்கினால் இன்ட்ரஸ்ட் எவ்வளவு போடுவார்கள்
Usually 8 to 9
PPF is a very good investment, but one can reap the full benefits only when you invest 1.5 lumpsum between April 1 to 5 in the beginning of a financial year. Monthly investment on PPF won't fetch you great returns.
can u explain bit more ..why it should be between apr 1-5...pls breif
@@MS-gh1yj interest will be calculated every month on your existing corpus. So for the whole 1.5 lakhs every month interest will be calculated. If you put 12500 per month then interest will be calculated only for that
Yes correct I started with 10k now I invest 150k between ppf and ssa more in Ssa due to interest rate
QQqQ
Q
Another key benefit that is missed in the video is, PPF comes without commitment. Suppose LIC potom na pudikitho pudikalayo kaasu iruko ilayo you MUST pay it every year. But PPF not like that. IF we have money in one year we can put more like 1L if we dont have money we can just pay 500 for continuity. Suppose if we take housing loan, we can pause PPF if needed as housing loan itself will cover the 80C this flexibility is not available in LIC or other bank schemes. This is the main reason along with EEE factor that I chose PPF over other 80C instruments.
U r right bro..
Informative thanks
Good evening brother I have one question, if that person starting ppf account and first 2 month he put 1.5 L amount means how tha interest will increase,
Every month I will increase 7.1 presentage or how
@@kalirajviswai3962 not ver sure. But sooner the better. Seekaram potom na the amount will be considered for a longer period for interest calculation.
Thank you for your message about PPF. After 15 years what is the process of pension? After my life my , spouse / Nominee pension is possible ?
Hi...
I have one doubt..
In family both husband and wife having two individual account
Deposited amount in each account is 1.5lakhs is this correct or both 2accounts total is 1.5lakhs
Bro Na PPF Account open pann poran 2022 November open panna better ha irukuma illa 2023 April open panna better irukuma sollunga bro
Long locking period and interest rate is marginally may reduce as days advances.
மிகவும் நன்றிகள் சார்
Hello sir, I am an aspiring chartered accoutant (like you). I'm looking out to solve a lot of income tax problems, can you recommend any authors. Thank you sir.
Is it use for boys as Selva magan semippu thittam. Please throw light on this question
Romba nalla sollurkega
முதல் வாரம் பணம் கட்டுனாலோ அல்லது மாத கடைசி வாரத்தில் பணம் கட்டுனாலோ interested வித்தியாசம் இருக்கா
Varusham varusham same amount dhan podanuma ilana nama mathi mathi amount kuda podalama
Very useful information and clear a puriyira mari sonninga
Super bro You said it clearly. Thank you
Good info!
My doubt is this scheme is for 15 years, after paying 10 years , the person died means..what will happen.. amount can be withdrawn by nominee or she can continue remaining 5 years to get the maximum benefit?.
No they cannot continue. It will be settled.
Enaku oru doubt bank la ppf podalam but ipo bank private ah change pana porenu soldranga so ithunala long term ithu safe ah irukuma
Do we have to close the PPF account immediately after retirement from the service or continue the account even after that by us personally depositing some amount ?
TQ for very useful information 💓
Thanks for the info!
Can you also talk about NPS? I heard we can get 50,000 exemption in NPS, which is apart from 1.5 L limit.
Yes
NPS you won't get back your money 100percent, back on maturity.
@@pioneerpioneer6189 60% we can get back on maturity & we get monthly pension. Is it so?
@@arulprakashsangararaj3260 that’s right
@@arulprakashsangararaj3260 Brother, you should use your BRAIN's here, the remaining 40% of your hard earned money remain with the Govt for ever,and they pay lesser amount of interest on your 40%, which is of no use to you,when you compare with then inflation, so in my opinion, investing in NPS is like investing your money in dead man's account, Do not do it., Invest in Mutual Funds, which is having a Lock in periods., Which is very useful in many ways,Also do not invest in LIC, the returns will be very lesser than the sb savings, instead take a Health and Term Policy, some private insurers are even reimbursing the term policy money after certain years,bye brother.take Care.
Hello bro, good information. Thank u🙏 I have a doubt....for example the PPF is in my name and my nominee is my husband, I die in few years then can my nominee continue the PPF or the nominee should only close and take the amount after my death? Pls let me know.
Yes , closure proceeds will be settled
If I had 1000 in my ppf, then under 80c, will it be considered as 120000 ? Or 1000
Or how it will be ?
சகோ எது நல்லது வங்கி அல்லது அஞ்சலகம்
இரண்டிலும் ஒரே வட்டி விகிதம் தானா ?
Amam
@@taxpuram நன்றி அண்ணா 🙏
Ppf acount open date April 05 2022.maturity date 31/03/2038.is it right. 15 years?
The correct term is 15 financial years. Ur financial year is 2022- 2023. So maturity date is 31.3.2038. correct only
PPF ku, PF ku kudukura interest rate eh kudukarangala? Ithu unmaiya?
Sir 15 years la 1year la different different amount podalama sir..
How we can do it online sir ? Is there any app or website for it ?
Hi Sir, consider am taking PPF scheme for monthly 1000 rupees, should I able to pay more than 1000 for some month or we have to make 1000 rupees standard for entire 15 years?
Yea you can contribute whatever amount you want monthly
5years pannamudiyuma bro
Ppf account 1000 Rs naan open panierukan. அத Cloce பண்ணிட்டு திலும்ப 5000rs Open panna mudiuma...anna
During 15 years la middle amount investment panna mudiyama poona enna aagum bro
Can I able to change my nominee name later?
Ssy Mari boy babies ku selva Magan semipu thittam irukumanu post office la ketom...they ask us to open in my son name with ppf account. Is both are same or what sir? Pls explain
Could you please explain cons on ppf opened through online say example ICICI on maturity. Always opening any account they made it easy but when comes to withdrawal for sure people face lot difficulties like need to withdraw in home branch etc.. Because nowadays people use their salary account for ppf which has their home branch in different cities or even states.
There is no restriction that we need to close only in home brancg
Thanks for the information in Tamil sir💮
Hi Anna,
I have one doubt ,this year I am adding monthly 500 to my ppf account ,after 2 years I am planning to invest more amount in my ppf consider 10000 per month how can I calculate the overall amount that I get after remaining 13 years . Because now I am putting 500 per month after 2 years my savings amount can change how can I calculate the amount. Normal ppf calculators having a constant calculation for 15 years , kindly please let me know anna.
Calculate manually via interest bearing balance method. Hard to find in internet!!
Bro , each month can we pay different amount as per availability like 2000 or 5000? . And suppose if we pay 5000 per month for 15 yrs , how much we ll get at the end of 15 yrs .
Yes you can
Sir which one is better PPF or SSY? Can u pls post one video PPF vs SSY
Ok
hii sir.. I have one question whether may I open the ppf account in post office or private banks. which one is better?
Both are equally secured
thanks bro
Getting gold loan at 7% intrest rate for a amount 150,000 at march end.. Investing 150,000 in ppf at April month 1 to 5 date will give benefit?.. Plz give me a suggestion.. Make a video of it. How to make a lumsum ammount to invest..
Will make a video on this
@@taxpuram make a video sir
Hi sir, thanks for your information. Incase if we are unable to continue to invest in ppf after 2nd or 3rd year,can we get our invested money immediately after that particular year or we should wait for 15 yrs to retrieve our money. Please explain on this part . 🙏
Good question .. please reply on this .
Minimum rs.500 we have invest every year.. If you missed any year means account will be deactivated and you need pay fine and activate the account
U can withdraw half after completing 7 years
Very useful sir. Thank you.
Sir naa ppf account open pannalanu iruke.
Monthly--------- 10,000
Yearly investment ---1,20,000
Period ---------15 years
Investment amount --------18,00,000
Total invest amount,,,14,54,567
Maturity value------32,54,567
Total la 32,54,577 aguthu
Indha amount ta apdiye 32,54,567 varuma illa tax ku poha mithi evlo varum
No tax
ஒவ்வொரு வருடமும் தொகையை மாற்றி கட்டலாமா.ஒரே தொகைதான் செலுத்த முடியுமா
மாற்றி மாற்றி பணம் கட்டலாம்.....
வருடம் 150000 வரை கட்டலாம்..
Useful information thanks
If one month i am investing 500, second month can i invest 1200 rupees and third month 800 rupees? If i close bank account what will happen?
Yes
Nanba, pf ennanu pidikaanga naan ppf account savings panna lama, both same or different? ...
Yes you can, both are different
Sir sbi wealth builders nalla scheme a sir sollunka
Broo 35 year save pana mudiuma ppf account la
அருமை
Earlier we could withdraw 40%of previous 4 years.
For every year
If I do lumpsum Ppf of rupees 1lakh on 2022, and dint invest anything in ppf on 2023, will ppf for that 1lakh be continuing for the rest of 14 years???
Yes
முதிர்வு தொகை முழுவதும் கையில் கொடுத்து விடுவார்களா? மாதாமாதம் பென்சன் தர மாட்டார்களா?
Intha scheme munadiye vanthuduchu bro...monthly pension ini illa
Great videoa. I have a doubt, suppose i have already invested for 1.5L exemption through other funds and i want to opt for ppf for long term savings, in that case, i will not be able to show it under 80c or e, so will the maturity amount be taxable?
It is tax exempt... you will get full return and no need to pay tax
Will that be good investment bro?...so due to inflation that amount will be very normal after 15 years ,right? Correct me if I am wrong
Thanks Anna good information 🙏
அண்ணா இப்போ இந்த வருஷம் இந்த மாசம் வந்து நான் என்னிடம் ஒரு 4000 இருக்கு அடுத்த மாசம் 5000 போடறேன் அதுக்கு அடுத்த மாசம் ஆயிரம் போடுறாங்க இப்ப மாசம் மாசம் amount மாத்தி மாத்தி போட முடியுமா?
Yes
Can we open a PPF account in between a financial year like in August or next month September.. if yes by which date we should pay the money monthly?
There is no conditional payment dates, you can pay whenever you want
Hello sir Im US CMA
Can you elaborate on the PPF guidelines for Parents + Minor account. Is there any benefits of opening additional minor PPF account in the name of child?
Will post a separate video
@@taxpuram - thanks
1.5 L per year limit for entire family.
Am not sure what's the benifit by having it - parent + minor as 1.5 lackhs. Then what's the gain by opening kids account. Unnecessary documentation works
நான் மாதம் 5000 வீதம் ஒரு வருடத்தில் 60000 கட்டுகிறேன் எனில் அடுத்த வருடம் மாதம் 10000 வீதம் 120000(வருடம்) கட்டலாமா??? வருடம் வருடம் amount different ah கட்ட முடியுமா???
Ysss kandipa kattalam
@@nandhininandhu7458 ok bro romba thanks
Bro monthly monthly same amount kettalaama illa evlo mudiyuthuo avlo Panam kettalaama..
Evlo mudiyutho avlo kattalan
Sir எனக்கு Canara bank SBI இந்த இரண்டு bank a/c இருக்கு . இதில் எந்த bank யில் NPS + PPF துவங்க சிறந்து
Both has different benifits
Sir oru doubt ippa enakku 10000 salary na 1000 monthly save pandranu vechuppom.aprm enakku oru 20000 salary vandhuchunu vekkum bodhu ennala 3000 nu raise panna mudiyum monthly @taxpuram.
Yes
@@taxpuram idhu Rd maari ya illa namba kitta eppo lam kaasu kedaikudho apo la oru amount podalama? Adhu mattum sollunga na.
Bank with post office rendukum enna different
Can govt staff apply?
Great explanation bro
இன்சூரன்ஸ் வசதியுடன் உள்ளதா?
I opened ppf account in this month March 2022. So how my cycles will be calculated, will they calculate this as 1 yr count. Or freshly they will start from next month April.
If u opened befor March 5th they vil calculate 1 month interest else vil cal from April itself
Good service 👍
Hai Sir ,
Can you Say How the PPF intrest rate will be calculated better this help us to invest in best interest rate in which month ?.
Will update a video on this
Thanks for Your Fast Reply please Upload sir it'll help us for Invesnt in next Month
Hai sir ,
While I'm opening an account in PPF as now 7.1
If they change like 6.8 and next 3months like 8 something the intrest for every 3months whether it will affect my interest rate or not
Hai Sir
Yes
Yearly amount change pannikalama, otherwise same amount dhn invest panna mudiyuma bro??
Maximum 1.5 lakh per year. 12 times podalam. Evlo venalum podalam per time. Max is 1.5 L
@@arunchalam6089 thanks for your reply bro
@@tarunkrish3694 ok bro. Pls start saving in ppf. I started 1 ppf after this video. First month 500 rs . This month 600 rs i put. Bye.
thanks for your valuable words bro
Sir ippo ppf accountla 1000 rs monthly pay pandrom.incase above 1000 pay pannalama i'lla.1000 thaan pay panna mudiyuma..increase pannalama 12 monthla..
You can pay more also
Thanks bro.
Bro for first year 10k invest panitu nxt year increase panlam ah?
நாங்கள் செலுத்திய பணம் எங்களுக்கு வட்டியுடன் கிடைக்குமா...
இல்ல , சென்ற ஆட்சியில் போட்ட திட்டங்கள் செல்லாது என்று அறிவித்து விடுவார்களா...
தெரிந்து கொள்வதில் தவறில்லையே , இந்த கேள்வியை பற்றி எனக்கு தெளிவான பதில் செல்லுங்கள் அண்ணா...
Its central govt scheme , no one can ammed easily
Pf company ACC இருக்கும் பட்சத்தில் இதில் கேரலாமா?
Yes
Thank you 👌
இப்போ நாங்க பணம் செலுத்தி கொண்டு வரோம் இடையில் ஆட்சி மாற்றம் ஏற்பட்டால் இந்த திட்டத்தில் ஏதாவது பிரச்சினை அல்லது பாதிப்பு ஏற்படுமா. ..
No
Hello sir . Intha account la monthly constant ah orey amount tha katta mudiuma illa monthly different amount katta mudiuma
You can pay different amount
Sri ppf account la month 1week amount kattunalo illa month lost week kattunalo interested vithiyasam erukka
ஒவ்வொரு மாதமும் 5 ஆம் தேதிக்கு முன் செலுத்தினால் அந்த மாதத்திற்கு வட்டி விகிதம் பொருந்தும்
Helo sir, As I already have a EPF account where I am contibuting monthly PF, do i need to go for PPF scheme too..?
Not required
Bro if you have cash at the end of the month. You can put it in this. After 15 years. Some amount will come from this. It may be helpful at some situations.
EPF's pension money can be withdrawn after 58 age only. So if you are 25 to 30 years old now. Then at the age of 40 to 45 years, you'll benefit from this ppf.
This is purely my pov. Please don't get influenced by this. Think and get suggestions from more people.
If u have extra amount go for it
வருஷத்துக்கு ஒரு அமௌன்ட் இதுல மாசம் மாசம் ₹1000 கட்டலாமா கொஞ்சம் சொல்லுங்க சார் ப்ளீஸ்
Yes
@taxpuram... Hi Sir,. I have a doubt - Actually, I'm planning to open a PPF account. Ipo, already we are at July month... So indha year matum yearly payment uh na (as per my plans) 1 L pay pantu now.... from coming April (financial year), can I proceed with monthly payment?
Apdi possible options iruka ? Please clarify.
Same bro. Please share if you get any info
Ues
Yes
Year to year increase panna முடியுமா
Yes
Which is beSt for invest post office or bank
Both
Bank will be convenient
Suppose I have invested 1.5 lakhs in 1st year and used under tax exemption. Then for the second year also, can I use the same tax exemption for the 1.5 lakhs already available in the ppf account?
No you should invest another 1.5 lakhs for that year.
How to invest it every Year without Forget? Any Ideas
Invest monthly
@@taxpuram Okay
PF account irukravanga ppf open pannalama
Bank account yenga irukoo antha branch la pannamudiuma or local irukuraa namma bank account branch pannalama ?
Yes
@@taxpuram local irukura branch la pannalama
Bro after depositing initial amount 500 for lump sum yearly frequency, can I invest more for that financial year?
Yes
Sir good information
bro sometime iddaila katta mudiyalana kaasu returan yaduka mudiyuma
Yes
Thanks brother 🙏
Hello Brother,i am naveen
who all can open a ppf account ?
Coz my father is working as a driver ,is my father is eligible to open a ppf account?
Pls reply
Yes
opening one ppf account is enough to show tax exemption every year or we need to open another ppf account for every year
One is enough
Can you tell me the mic name and series you are using?
I think its basic boya, cost around Rs 1500.
25 years podalama anna
Bro ppf and ponmagan scheme rendum same thana
No
Jobla irundhu resign panita piragu same account la namma personala amount poda mudiyuma .(continuing in old account but our own money )
Yes
If I am paying 1000 rupees every month, my income raised can.I add 2000 extra for every month, r only as I.already paying that amount only will be accepted
Yes you can add
Nri ppf account open Panna mutiyuma