Mahila Samman Bachat Patra Calculator
Mahila Samman Bachat Patra sirf mahilaon aur ladkiyon ke liye hai — do saal ka chhota, surakshit nivesh. Neeche jama rakam aur byaj dar daaliye, maturity saamne aa jayegi.
Maturity ka hisaab
Isme byaj har teen mahine judta hai (quarterly compounding), aur poora paisa 2 saal baad milta hai.
₹2 lakh jama, 7.5% dar par:
- 2 saal baad: lagbhag ₹2,32,000
- Byaj: lagbhag ₹32,000
| Jama | 2 saal baad (7.5% par) |
|---|---|
| ₹50,000 | ~₹58,000 |
| ₹1,00,000 | ~₹1,16,000 |
| ₹2,00,000 | ~₹2,32,000 |
Chhote samay ke liye ye dar kaafi achhi hai — 2 saal ki bank FD aam taur par isse kam deti hai.
Kaun khol sakta hai aur kitna
- Koi bhi mahila apne naam par khol sakti hai — umar ki koi seema nahi
- Ladki ke naam par abhibhavak khol sakte hain
- Ek adhiktam jama seema hai — khaata kholte waqt post office ya bank se aaj ka number confirm kar lijiye
- Ek se zyada khaate khole ja sakte hain, par un ke beech kuch mahine ka antar hona chahiye, aur kul seema wahi rehti hai
- Post office aur kuch bank dono jagah khulta hai
Ye baat khaas kar isliye zaroori hai kyunki internet par purani jaankari padi rehti hai. Post office ka counter hi sabse pakka jawab dega.
Beech me paisa aur tax
Aanshik nikaasi: ek saal poora hone ke baad jama rakam ka ek hissa nikaala ja sakta hai. Ye is yojana ki achhi baat hai — poore 2 saal tak paisa poori tarah fansta nahi.
Samay se pehle band karna: kuch khaas sthitiyon me mumkin hai — jaise khaatedaar ki mrityu, ya bahut gambhir bimari. Aam sthiti me 6 mahine ke baad band karne par byaj dar kam kar di jaati hai.
Tax:
- Jama par 80C ki chhoot nahi milti
- Byaj tax me aata hai — aapke slab ke hisaab se
- TDS ke niyam badalte rehte hain — bank ya post office se confirm kar lijiye
Kis mahila ke liye ye sach me achhi hai
Ye bahut achhi hai:
- Grihiniyon ke liye jinke paas ghar ka bachaya hua paisa hai. Apne naam par khaata hona apne aap me ek badi baat hai.
- Ladkiyon ke liye — padhai ya kisi 2 saal baad wali zaroorat ke liye.
- Jinke paas 2 saal baad kharch hone wala paisa hai — shaadi, fees, ya koi tay kaam.
- Jinhe bazaar ka koi jokhim nahi chahiye — ye poori tarah sarkari aur nishchit hai.
Ye kaafi nahi hai:
- Lambe samay ki daulat banane ke liye — 2 saal bahut chhota samay hai. Uske liye PPF ya SIP dekhiye.
- Bacchi ke bhavishya ke liye — uske liye Sukanya Samriddhi zyada sahi hai, jahan byaj bhi zyada hai aur samay bhi lamba.
Bacchi ke liye PPF ya Sukanya — kaunsa behtar wala lekh zaroor padhiye.
Aksar pooche jaane wale sawaal
Mahila Samman Bachat Patra kaun khol sakta hai?
Koi bhi mahila apne naam par, umar ki seema nahi. Ladki ke naam par abhibhavak khol sakte hain.
Kitne saal ka hai aur kitna milta hai?
2 saal ka. Byaj har teen mahine judta hai. 2 lakh par 7.5% ke hisaab se lagbhag 2.32 lakh milta hai.
Is yojana me beech me paisa nikaal sakte hain?
Ek saal ke baad ek hissa nikaala ja sakta hai. Poora khaata samay se pehle band karne par byaj dar kam kar di jaati hai.
Isme 80C ki chhoot milti hai?
Nahi. Byaj bhi tax me aata hai. Isliye iska asli faayda un mahilaon ko hai jinki aay tax ke daayre se neeche hai.