Post Office Ki Bachat Yojanaein — Kaunsi Behtar?
Bank ke alawa, Post Office (Daak Ghar) bhi bahut si surakshit bachat yojanaein chalata hai, jinmein sarkar ki guarantee hoti hai. Jinhe bilkul risk-free jagah paisa rakhna hai, unke liye ye yojanaein aaj bhi behtareen hain. Is guide me hum char mukhya yojanaon — MIS, KVP, NSC aur SCSS — ko aasaan bhasha me samjhenge, aur har ek ka free calculator bhi neeche milega.
➤ Post Office Calculators kholein1. POMIS — Monthly Income Scheme
Jinhe har mahine ek fixed income chahiye (jaise retired log), unke liye MIS achhi hai. Ismein aap ek badi rakam jama karte hain aur har mahine byaj milta rehta hai. Single account me max ₹9 lakh, joint me ₹15 lakh tak jama kar sakte hain. Lock-in 5 saal ka hota hai.
2. KVP — Kisan Vikas Patra
KVP ki khaasiyat hai ki ismein aapka paisa double ho jaata hai. Aap ek rakam jama karte hain aur ek nishchit samay (abhi lagbhag 115 mahine) baad wo dugna ho kar milta hai. Ismein koi tax chhoot nahi milti, par ye poori tarah surakshit hai.
3. NSC — National Savings Certificate
NSC ek 5-saal ki yojana hai jismein aapka paisa compounding ke saath badhta hai. Iski sabse badi khaasiyat — ismein jama ki gayi rakam par Section 80C ke tehat ₹1.5 lakh tak tax chhoot milti hai. Isliye ye un logon me lokpriya hai jo tax bachana chahte hain aur risk nahi lena chahte.
4. SCSS — Senior Citizen Savings Scheme
Ye khaas taur par 60 saal ya usse upar ke logon ke liye hai. Ismein byaj dar aam taur par doosri yojanaon se thodi zyada hoti hai, aur byaj har teen mahine (quarter) me milta hai. Max ₹30 lakh tak jama kar sakte hain. Retired logon ke liye ye ek behtareen niyamit income ka zariya hai.
• Har mahine income chahiye → MIS
• Paisa double karna hai, koi jaldi nahi → KVP
• Tax bachana + safe return → NSC
• Senior citizen ho, niyamit income chahiye → SCSS
Dhyan dene wali baat
In sabhi yojanaon ki byaj dar sarkar har teen mahine (quarter) me review karti hai, isliye calculator me hamesha abhi ki dar daalein. Sahi aur taaza dar ke liye apne najdeeki post office ya India Post ki website dekh lein.
FAQ
Post office yojana bank FD se behtar hai?
Dono surakshit hain. Post office ki kuch yojanaein (jaise SCSS, NSC) tax ya byaj me thoda fayda de sakti hain. Apni zaroorat (income chahiye ya growth) ke hisaab se chunein.
Kya in par tax lagta hai?
Byaj par aam taur par tax lag sakta hai (income ke hisaab se). NSC jama par 80C chhoot milti hai. CA se confirm karein.
Account kaise khulta hai?
Najdeeki post office me jaakar, aadhaar/PAN aur photo ke saath aasani se khul jaata hai.
Post office yojanaon ki khaas baat
In yojanaon ka sabse bada fayda hai sarkari garanti. Bank FD me ₹5 lakh tak ka insurance hota hai, jabki post office ki jama rakam par bharat sarkar ki suraksha hoti hai. Isi liye buzurg logon aur un logon ke liye jo bilkul risk nahi lena chahte, ye vikalp bharosemand maane jaate hain.
Doosra fayda — ye gaon aur kasbon me bhi asani se mil jaate hain, jahan har bank ki branch nahi hoti. Uttarakhand jaise pahadi ilaakon me kai jagah post office hi sabse paas ka vittiya kendra hota hai.
Kaunsi yojana kis ke liye
- SCSS — 60 saal se upar walon ke liye. Byaj sabse achha, har teen mahine milta hai. Retirement ke paise ke liye sabse aam vikalp.
- POMIS — jinhe har mahine ek nishchit aay chahiye. Ekmusht jama karke mahine ki aamdani.
- NSC — 5 saal ka lock-in, 80C me chhoot. Byaj har saal judta hai aur wo bhi 80C me gina ja sakta hai.
- KVP — paisa ek nishchit samay me dugna hota hai. Tax chhoot nahi milti, par suraksha poori.
- PPF — 15 saal ka, poori tarah tax-free. Lambe samay ke liye sabse behtar.
- Sukanya Samriddhi — bachchi ke naam par, sabse achhi dar aur tax-free.
Tax ka sach
Yahan ek badi galatfehmi hai. Sarkari yojana ka matlab tax-free nahi hota. SCSS, POMIS, NSC aur KVP ka byaj aapki income me judta hai aur slab ke hisaab se tax lagta hai. Sirf PPF aur Sukanya hi poori tarah tax-free hain.
Byaj dar kaise badalti hai
Sarkar har teen mahine (quarter) me in yojanaon ki dar tay karti hai. Ek zaroori baat — jab aap SCSS ya NSC jaisi yojana lete hain, to us waqt ki dar poori avadhi ke liye lock ho jaati hai. Baad me dar girne se aapko farak nahi padta. Isi liye jab dar oonchi ho, tab lambi avadhi wali yojana lena faydemand hota hai.
Khaata kholte waqt
- Nomination zaroor bharein — ye sabse zyada bhoola jaane wala kaam hai
- Passbook sambhaal kar rakhein aur entry karwate rahein
- Joint account ka vikalp dekh lein — buzurg logon ke liye suvidhajanak hota hai
- Maturity ki tarikh note kar lein — samay par claim na karne se byaj rukk sakta hai
Dar aur niyam samay-samay par badalte rehte hain, isliye khaata kholne se pehle apne post office se taaza jaankari zaroor confirm karein.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Rules badalte rehte hain, isliye bade faisle se pehle seedha yahan ek baar dekh lein: