PPF Extension Calculator — 15 Saal Ke Baad Kya Karein
PPF 15 saal me poora hota hai. Uske baad teen raste hain — paisa nikaal lo, khaata yogdaan ke saath 5 saal aage badhao, ya bina yogdaan ke chhod do. Teeno ka natija aur niyam alag hai.
Neeche apna maturity balance aur vikalp chuniye. 5 saal baad kitna banega, aur beech me kitna nikaal sakte hain — dono dikh jayega.
Teen raste, teen alag natije
15 saal poore hone par khaata apne aap band nahi hota. Aapko chunna padta hai, aur na chunne ka bhi ek natija hota hai.
| Rasta | Naya paisa daal sakte hain | Nikaasi | Byaj |
|---|---|---|---|
| Poora nikaal lein | — | Ek baar, poora | Khatam |
| Yogdaan ke saath 5 saal | Haan, 1.5 lakh tak | Block me 60% tak | Chalu |
| Bina yogdaan ke | Nahi | Saal me ek baar, jitna chahein | Chalu |
Sabse zyada log teesra rasta anjaane me chun lete hain — kuch karte hi nahi. Khaata apne aap bina yogdaan wale roop me chalta rehta hai aur byaj milta rehta hai. Ye bura vikalp nahi hai, par tab dikkat hoti hai jab aap paisa daalte reh jaate hain.
Wo ek galti jispar byaj poora ruk jaata hai
Yogdaan ke saath badhaana hai to ek form bharna padta hai, aur wo maturity ke ek saal ke andar jama karna hota hai. Post office aur bank dono me ye niyam ek jaisa hai.
Ye galti aam hai kyunki khaata online chalta rehta hai aur paisa aaram se jama ho jaata hai. System rokta nahi. Isliye 15 saal poore hone ke baad pehla kaam yahi hai — shakha ja kar likhit roop me vikalp darj karwaana aur uski rasid rakhna.
Ek baar block poora hone par ye chunaav dobara karna padta hai. Har 5 saal par yahi prakriya dohraani hoti hai, jitni baar chahein.
Nikaasi ka niyam — dono raston me kitna khula hai
Yahi wo jagah hai jahan dono vikalp sach me alag ho jaate hain, aur yahi faisle ka sabse bada aadhaar hona chahiye.
- Yogdaan ke saath — poore 5 saal ke block me milakar utna hi nikaal sakte hain jitna block shuru hone par balance ka 60% tha. Isse zyada nahi, chahe beech me balance kitna bhi badh jaaye.
- Bina yogdaan — saal me ek baar, jitna mann chahe. Poora paisa bhi nikaal sakte hain aur khaata band kar sakte hain.
| Sthiti | Kaunsa vikalp behtar |
|---|---|
| Kamai chalu hai, 80C bharna hai | Yogdaan ke saath |
| Retire ho chuke, har saal thoda paisa chahiye | Bina yogdaan |
| Paisa 2-3 saal me poora chahiye | Bina yogdaan |
| Aage 10-15 saal aur badhaana hai | Yogdaan ke saath |
15 lakh ke balance par 60% ka matlab hai poore 5 saal me 9 lakh ki seema — ek saath ya thoda-thoda, jaise chahein.
Byaj ka jaadu ab sabse tez chalta hai
PPF ka sabse achha hissa aakhir me aata hai. Pehle 15 saal me aapka apna daala hua paisa bada hissa hota hai. 15 ke baad byaj apne aap bahut bada kaam karne lagta hai.
| Balance | Ek saal ka byaj, 7.1% par |
|---|---|
| ₹5 lakh | ~₹35,500 |
| ₹15 lakh | ~₹1,06,500 |
| ₹25 lakh | ~₹1,77,500 |
| ₹40 lakh | ~₹2,84,000 |
25 lakh ke balance par sirf byaj hi saalana seema (1.5 lakh) se zyada ban jaata hai. Aur ye poora byaj tax se bahar rehta hai. Isi wajah se kai log 15 saal ke baad khaata band nahi karte — jitna lamba chalta hai, utna hi kaam ka hota jaata hai.
Apne khaate ka poora hisaab dekhna ho to PPF Calculator me saal aur rakam daal kar dekh lijiye.
Aage badhaane se pehle ye jaanch lijiye
Faisla sirf byaj dekhkar nahi hona chahiye. Char cheezein saaf honi chahiye.
- Paisa kab chahiye? Agle 2 saal me bada kharch dikh raha hai to yogdaan wala vikalp haath baandh dega.
- Kaunsa tax regime? Naye regime me 80C ki chhoot nahi milti. Aise me yogdaan ka faayda sirf byaj tak hi seemit reh jaata hai.
- Aur kahan paisa hai? Sara paisa ek hi jagah rakhna theek nahi. PPF surakshit hai, par mehngai ke aas-paas hi rehta hai.
- Umar kya hai? 50 ke baad ye khaata pension jaisa kaam de sakta hai — bina yogdaan ke rakhkar saal me ek baar nikaasi.
Mehngai ke baad asli badhotari samajhni ho to Real Return Calculator me 7.1% daal kar dekhiye — tasveer thodi alag dikhegi.
Aksar pooche jaane wale sawaal
PPF 15 saal ke baad kitni baar badhaya ja sakta hai?
Jitni baar chaahein, har baar 5 saal ke block me. Koi upari seema nahi hai. Har block ke liye vikalp dobara darj karna hota hai.
Yogdaan ke saath badhaane ke liye kya karna hota hai?
Maturity ke ek saal ke andar apni shakha me nirdharit form dekar likhit roop me vikalp darj karna hota hai. Uski rasid sambhaal kar rakhiye.
Form diye bina paisa daal diya to kya hoga?
Us rakam par byaj nahi banta aur 80C ki chhoot bhi nahi milti. Baad me pata chalne par sirf mool rakam wapas milti hai. Isliye form pehle jama karna zaroori hai.
Bina yogdaan wale khaate me byaj milta rehta hai?
Haan, poora byaj milta rehta hai. Bas naya paisa nahi daal sakte, aur saal me ek baar jitni chahein utni nikaasi kar sakte hain.
Extension ke beech me khaata band kar sakte hain?
Bina yogdaan wale vikalp me haan, saal me ek baar poora paisa nikaal kar. Yogdaan wale block me nikaasi ki seema block ke shuru ke balance ka 60% hoti hai.
Is page ke number aur niyam in sarkari/official jagah se liye gaye hain. Dar aur rules badalte rehte hain, isliye kisi bhi bade faisle se pehle seedha yahan ek baar dekh lein: