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poonamranius · 2 years

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Post Office Scheme: पोस्ट ऑफिस की नई योजनाओं में दोगुने हो आजएंगे पैसे.

Post Office Scheme: अगर आप भी अपने जीवन में पैसे की बचत कर उसे एक अच्छी जगह निवेश करने की योजना बना रहे हैं। तो आप पोस्ट ऑफिस की तीन नई निवेश योजनाओं में अपना पैसा निवेश कर इस पर मोटे ब्याज की कमाई कर सकते हैं। पोस्ट ऑफिस द्वारा जारी 3 स्कीम: वरिष्ठ नागरिक बचत योजना, पीपीएफ योजना एवं सुकन्या समृद्धि योजना के माध्यम से आप 7% से अधिक ब्याज आसानी से प्राप्त कर सकते हैं। इसके साथ ही आपका पैसा भी…

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digitalbhumi · 2 years

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Amazing of smallcap funds: instead of RD, doing SIP of 5000 here, then in 10 years, there would have been 2.5 times profit

There are many such mutual fund schemes in the market, which have made investors rich through long-term SIP. Compared to small savings, they have got many times higher returns. SIP vs RD Return: Smallcap funds invest the money of investors in the shares of smallcap companies. Investing in these is definitely somewhat risky as compared to largecap or multicap, but investing in them through SIP…

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lisakapoorblogs · 12 days

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Comparative Analysis: Estimating Returns from Post Office RD vs. EPF Investments

When it comes to secure investment options in India, both Post Office Recurring Deposits (RD) and the Employee Provident Fund (EPF) stand out as popular choices. Each investment avenue offers distinct advantages and suitability depending on the investor's profile and goals. By employing tools like the post office RD calculator, investors can easily forecast the returns on their monthly contributions to a Post Office RD, which is known for its stability and government backing.

On the other hand, the EPF, primarily designed for the salaried workforce, offers a retirement savings plan that not only helps in building a substantial retirement corpus but also provides tax benefits. To estimate the growth of their EPF contributions, investors can use an EPF calculator. This calculator takes into account variables such as the current EPF balance, employer’s contribution, employee’s contribution, and the current interest rate, which is revised annually by the government.

The key difference between these two investment options lies in their nature and the returns they offer. Post Office RDs allow for a fixed monthly deposit into an account, which earns interest at a rate determined by the prevailing government guidelines. The simplicity of the RD scheme makes it an attractive option for individuals with consistent but limited investing capacity. On the other hand, the EPF is not only a savings tool but also a vital component of India’s social security system, offering interest rates generally higher than those of RDs, which makes it highly beneficial for long-term growth.

Moreover, while the returns on RDs are taxed according to the individual's income tax slab, the interest earned and the maturity amount of the EPF are tax-free under certain conditions, making EPF a more tax-efficient investment in the long run. This distinction is crucial for investors when planning their tax liabilities.

For potential investors, understanding these nuances is vital. Using a post office Recurring Deposits calculator helps in setting realistic expectations on the returns from RDs, providing a clear picture of what the maturity amount will be at the end of the investment period. Similarly, the Employee Provident Fund calculator aids in comprehending how one's money grows over time with the added interest, especially with the compound interest feature that EPF offers.

When comparing both, it’s important to consider factors like investment tenure, risk appetite, liquidity needs, and tax implications. Post Office RDs are typically preferred by those who seek less risky avenues and may need to withdraw their investment relatively sooner. In contrast, EPF is ideal for individuals with a longer investment horizon, primarily due to its focus on retirement savings.

While both Post Office RD and EPF are solid investments, they serve different purposes and offer different benefits. The post office Recurring Deposits calculator and Employee Provident Fund calculator help investors make informed investment decisions that match their financial goals and retirement plans. By carefully analysing and comparing these options, investors can optimise their portfolios for long-term financial goals.

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moneymaximising · 27 days

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Previous Pensions Advice Ireland: How do I find old pensions in Ireland?

Are you missing out on money that could be rightfully yours? If you’ve worked in Ireland and contributed to multiple pension schemes over the years, it’s easy to lose track of your hard-earned savings. But fear not! In this blog post, we will delve into the world of pensions in Ireland and provide you with valuable advice on how to find those old forgotten pots of gold. Let’s unravel the mystery of previous pensions in Ireland together!

Phone- +353 91 393 125

Email- [email protected]

Address- Unit 3, Office 6, Liosban Business Park, Tuam Rd, Galway, Ireland

#mortgagesolutions #publicsectormortgages #moneymaximizingadvisors

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parentnashik · 4 months

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Post Office RD: Superhit scheme of post office, Deposit Rs 5,000 every month, Get more than Rs 3.5 lakh with guarantee, know

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ksknair · 4 months

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Exploring the Best Post Office Schemes for Students in India

I've been delving into the world of savings and investments recently, and I'm amazed at the plethora of options we have right at our doorstep - the Indian Post Office Schemes! 😊 From the Recurring Deposit (RD) that lets you save a little every month, to the Time Deposit Account (TD) that works like a fixed deposit, there's something for everyone. 💰

What caught my eye is the Monthly Income Scheme Account (MIS) - perfect for those who want a consistent cashflow. 💵 And let's not forget the Public Provident Fund Account (PPF) and National Savings Certificate (NSC) that offer tax savings and a nice return. 🙌

https://fresherblog.com/post-office-schemes/

For my friends with a rural connection or interest in agriculture, the Kisan Vikas Patra (KVP) is a gem. Your investment doubles in less than 10 years. 🚜

The best part? Even students can apply! Just fill out the form and submit it with your ID, address proof, and a snap. Oh, and you'll need some cash or a cheque for the first deposit. 📝

But remember, always read the fine print and make sure the scheme suits your needs and risk tolerance. Happy investing! 😊

#Investing101 #PostOfficeSchemes #Savings #PersonalFinance #StudentLife #InvestmentTips #MoneyMatters #India #FinancialFreedom #students #fresherblog #college #college life #desiblr

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thebusinesscorridor · 4 months

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PM Kisan 15th installment released: eKYC mandatory by Jan 31 to get next payment

The 15th installment of PM Kisan scheme was released on Nov 15, 2023. eKYC mandatory for registered farmers by Jan 31, 2024 to receive next payment. If not completed by January 31, 2024, farmers may become ineligible for next installment.

PM Kisan 15th installment, released on Nov 15, 2023:

PM Kisan is a central government scheme, that provides income assistance of Rs 6000 annually to eligible land-holding farmer households in three equal payments, and the funds will be instantly deposited into their bank accounts. The 15th installment of PM Kisan was released on November 15, 2023.

PM Kisan e-KYC, mandatory for Registered farmers:

As per the PM Kisan website, “e-KYC is compulsory for PM Kisan registered farmers. OTP-based and biometric-based e-KYC options available on the PM Kisan portal or nearest CSC centers.”

If e-KYC is not completed, beneficiary farmers may not receive the instalment.

Farmers become ineligible if the e-KYC process is not done by Jan 31:

As per the Agriculture Rajasthan website, 39580 farmers in the district have not completed e-KYC, Aadhaar seeding of 11566 farmers, and land verification of 24007 farmers is yet to be done. All these should be completed soon, or else the eligible farmers will not get the benefit of the next installment. The farmers become ineligible if they do not complete the e-KYC process of PM Kisan by January 31.

District Collector's Warning:

Rohitashv Singh Tomar, District Collector said, that the farmers, who fail to complete the e-KYC process by January 31, will not receive the next installment. The farmer’s account can become inactive and DBT can be stopped, if the farmers do not complete the land seeding process as well.

Get the land details verified:

To get their land details verified, the beneficiaries are required to present the specific documents including the list number, registration number, and mobile number at the relevant Patwari Halka or Tehsil office.

eKYC – How to get it done?

Farmers can complete the e-KYC process through thumb impression at their nearest e-Mitra or CSC center. Face authentication is another method to do the e-KYC process – it can be done by downloading the PM Kisan GOI app.

Farmers can get the e-KYC done by linking their bank account with Aadhaar and also by linking DBT to open an account via India Post Bank apart from bank

eKYC – Why it is needed?

To make sure that the PM Kisan scheme benefit reaches all the beneficiaries in their Aadhaar-seeded bank accounts.

eKYC Modes:

Moreover, three modes of eKYC are available to the farmers under the PM-Kisan scheme:

1. OTP-based e-KYC process, available on PM-Kisan Portal and Mobile App

2. Biometric-based e-KYC process, available at Common Service Centres (CSC), and State Seva Kendra (SSK)

3. Face authentication-based e-KYC process, available on the PM-Kisan Mobile app

How OTP based e-KYC can be done?

For OTP-based eKYC, it is necessary for a farmer to have an Aadhaar linked to their active mobile number. Follow the given steps to get it done

Step 1: Visit the PM Kisan portal https://pmkisan.gov.in/

Step 2: Click on e-KYC

Step 3: Enter your Aadhaar number and complete your eKYC process by submitting your OTP.

Biometric-based e-KYC:

Biometric-based e-KYC is made available to more than 4 lakh CSCs and other SSKs throughout the country, to provide convenient services to the farmers.

Visit your nearest CSC or SSK along with your Aadhaar Card and the mobile number linked with Aadhaar. The CSC or SSK operator will help the farmer perform the biometric authentication process

Face-authentication e-KYC:

Face-authentication is the most effective and hassle-free method of doing e-KYC, which can be done by the farmers at their own convenience

Step 1: From the Google Play Store, download the PM-Kisan mobile app and Aadhaar Face RD app

Step 2: Open the app and log through the registered mobile number with PM-Kisan

Step 3: Go to the beneficiary status page

Step 4: If the e-KYC status is "No", click on the eKYC, then enter your Aadhaar information

Step 5: Give your consent to scan your face

Step 6: After scanning your face successfully, e-KYC is done.

Note: The e-KYC status will be reflected in the beneficiary status only after 24 hours in all modes.

#gold jewelry #share market #market analysis #economy #market segments

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purpleloveenthusiast · 8 months

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Post office schemes interest rate 2023: Which small savings scheme offers highest interest rate - The Economic Times

The government’s small savings scheme offer various deposit schemes catering to different individuals such as girl kid (Sukanya Samriddhi), women investor (Mahila Samman), senior citizens (SCSS), long term investors (PPF, KYC, NSC) and short term investors (Time deposits, RD). Small savings scheme interest rates are revised every quarter by the government and interest rates vary accordingly. For…

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vibeskolkata · 8 months

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Laser Hair Removal Services in Kolkata

What Are Laser Hair Removal Services?

Laser Hair Removal Services in Kolkata, VIBES, utilize advanced technology to target and eliminate hair follicles, ensuring smoother, hair-free skin. This non-invasive procedure has gained immense popularity for its precision and effectiveness.

Are you tired of waxing, shaving, or plucking? Laser hair removal is a lasting solution that will save you time and effort. Say goodbye to those painful waxing sessions and embrace a more convenient way to achieve the flawless skin you’ve always wanted.

Why Choose VIBES for Laser Hair Removal?

When it comes to laser hair removal services in Kolkata, VIBES stands out as a trusted name. Here’s why you should choose us for your hair removal needs:

State-of-the-Art Technology: We use the latest laser technology to ensure optimal results and minimal discomfort.

Experienced Professionals: Our skilled technicians are trained to deliver safe and effective treatments.

Personalized Approach: We understand that every individual is unique. Our treatments are tailored to your specific needs.

Long-Lasting Results: Enjoy smooth, hair-free skin for an extended period after just a few sessions.

The Laser Hair Removal Process

Consultation

Before your laser hair removal session at VIBES, you’ll have a consultation with our experts. During this time, we’ll assess your skin type and hair color to determine the most suitable treatment plan.

Preparing for the Procedure

To ensure the best results, you’ll need to follow some pre-procedure guidelines. This may include avoiding sun exposure and shaving the treatment area.

The Laser Treatment

During the procedure, a laser is used to target the hair follicles. You might experience a slight tingling sensation, but rest assured, our experts will ensure your comfort throughout the process.

Post-Treatment Care

After your session, it’s essential to follow post-treatment care instructions. This will help maximize the effectiveness of the treatment and minimize any potential side effects.

Benefits of Laser Hair Removal Services in Kolkata at VIBES

Precision: Laser technology targets hair follicles accurately, leaving surrounding skin undamaged.

Time-Saving: Say goodbye to daily hair removal routines.

No Ingrown Hairs: Laser hair removal reduces the risk of painful ingrown hairs.

Long-Lasting: Enjoy smooth skin for an extended period.

Conclusion

Laser hair removal services in Kolkata, VIBES, offer a convenient and effective way to achieve smooth, hair-free skin. With the latest technology, experienced professionals, and personalized treatment plans, VIBES is your go-to destination for saying goodbye to unwanted hair. Don’t let unwanted hair hold you back; embrace confidence and comfort with our laser hair removal services.

Our Office: Scheme, IV M, 1st Floor, Bata Chowk, SBI Building, P-274, CIT Rd, Jewish Graveyard, Phool Bagan, Beleghata, Kolkata, West Bengal 700054

#hair removal #laser hair removal #laser hair reduction

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all-about-news24x7 · 1 year

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Post Office RD Scheme: Deposit Rs 10,000 and get Rs 16 lakhs from this scheme, know complete scheme here

Post Office RD Scheme: Many times we do not know a good way to invest our money properly, due to which we are not able to earn profit. But if you have the right information about the schemes, then you can not only earn good profits but also get rid of many difficulties in old age. But there is such a scheme from which you can earn a lot of profit. In this post office scheme, you can get up to Rs…

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fintrain · 1 year

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Get Acquainted with Saving Schemes and RD calculator

Senior citizen savings scheme

Senior Citizen Savings Scheme (SCSS) is a great option for a 35-years old individual to pay for term insurance premium and investing in fixed deposits, recurring deposits and other saving schemes. This scheme takes into account the financial needs of the elderly in providing them with better returns than other saving schemes. This scheme is highly beneficial as it takes care of both investments and term plan needs at the same time while providing its subscribers with attractive return sums on their investments with competitive rates when compared to other saving schemes available in the market.

Fintra is a best finance platform provide suggestions and calculators, you can personalize your financial needs. Senior citizen savings scheme calculator computes the interest gained on your investment and the final maturity amount.

Byaj calculator

The Byaj Calculator by Fintra.co.in is a great tool for anyone looking to take out a loan or calculate their monthly payments. It allows you to input the rate number, the total number of times it's compounded per year, and the principal amount, along with the total time period of your loan. The calculator then takes this information to calculate your simple interest rate and give you a final principal balance after all interest payments have been made. This is a great tool for when you need to calculate regular interest payments and take into account compounding interest. Compounding occurs more frequently than annual interest, and can have an effect on the total amount that you will earn over time.

Fintra.Co.In's Byaj Calculator is a great tool for managing money principal and calculating your earned interest, taking into account simple and compound interest rates. It takes the sum of your original principal, time period, annual interest rate, and compounded more frequently rate to give you a final principal balance after all payments have been made

Post Office RD Calculator

Fintra.Co.In's Post Office Rd Calculator is a free web-based tool that helps users calculate deposit returns and maturity amounts on their deposits with the post office bank or national savings. It allows users to enter their deposit amount and the type of plan they have chosen, such as savings recurring deposit, fixed deposit, etc. The calculator then provides an estimate of the returns and maturity amount based on current interest rate. This enables users to assess their maturity amount more accurately before investing in any type of deposit account with the post office or bank. The calculator is easy to use and helps users quickly make calculations without having to manually compute interest rates and other factors related to their deposits.

Post Office Rd Calculator By Fintra.Co.In helps you get the most out of your savings by providing great returns, so you don't have to request a bank for this purpose.

#nsc calculator

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takapoysanews · 1 year

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পোস্ট অফিস স্কিম।Indian Post Office। Interest Rates of Post Office 2022 -takapoysanews - TAKAPOYSANEWS

In this particular post you learn details about Indian post office schemes and their lastest interest rates.

There are 9 types of schemes activated by Indian government are popular very much. Among them 1.Post office savings account 2. Post office time deposit / fixed deposit 3.Post office monthly income scheme (MIS) 4.Post office recurring deposit (RD) 5. Post office senior citizen savings scheme (SCSS) 6. Sukanya samriddhi Yojana 7.Kishan Vikas Patra (KVP) 8.Public Provident Fund (PPF) 9. NSC National Savings Scheme .

In this post you learn all the details for this popular schemes in Bengali.

#post office schemes with high returns #post office small savings schemes #post office #Indian Post Office #পোস্ট অফিস ইন্টারেস্ট রেট টেবিল #পোস্ট অফিস #takapoysanews #POMIS #SCSS #KVP #NSC #SSY

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lisakapoorblogs · 1 month

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Diversifying Your Portfolio: Combining Nifty IT Investments with Post Office RD

Diversifying your investment portfolio is essential in today's volatile market. Combining growth-oriented investments like the Nifty IT index with stable, fixed-income assets like Post Office Recurring Deposits (RD) can provide security and growth. This balanced approach lets investors profit from India's growing IT sector and government-backed savings schemes while minimising risk.

This IT index comprises some of the most significant Indian companies in the information technology sector, listed on the National Stock Exchange (NSE). Investing in this index allows individuals to tap into the high-growth potential of the IT industry, which is renowned for its innovation, export earnings, and role in India's economic growth. As technology continues to evolve and integrate into every aspect of daily life and business operations, companies within this IT index are well-positioned for sustained growth. However, like all equity investments, they come with their share of volatility and risk, influenced by market conditions, global economic factors, and industry-specific trends.

On the flip side, the Post Office RD offers a contrast with its stability and government guarantee. Using a post office RD calculator, investors can easily forecast their returns from a recurring deposit. This tool helps in planning by providing exact figures on the maturity amount based on the monthly contributions and the tenure of the deposit. RDs are particularly appealing for risk-averse investors or those looking to balance their portfolios with a fixed-income investment. The interest rates on Post Office RDs are competitive, and the low minimum deposit requirements make it accessible to a broad audience. Additionally, the discipline of monthly deposits encourages a savings habit among investors, which is beneficial for long-term financial health.

Combining investments in this IT index with Post Office RDs offers a multifaceted approach to investing. Equity investments in the IT sector can provide significant returns but come with higher volatility and risk. Meanwhile, the RD offers a safe, predictable return, although lower than what might be achieved with equities. This blend allows investors to aim for growth through their Nifty IT investments, while the Post Office RD serves as a cushion, providing steady returns and reducing overall portfolio volatility.

Personal risk tolerance, investment horizon, and financial goals must be assessed before implementing this strategy. In the dynamic IT sector, equity investments should be long-term. Technology trends, global economic conditions, and currency fluctuations affect this IT index. Post Office RDs are good long-term savings instruments for emergency funds, educational savings, and other financial needs.

A diversified investment portfolio with Nifty IT and Post Office RDs can balance growth and stability. This strategy uses India's IT sector's high growth potential and a government-backed savings scheme's steady, guaranteed returns. As with all investment decisions, individuals should research or consult with financial advisors to tailor their investments to their financial situation and goals. This balanced approach can help navigate financial market complexities, offering security and growth.

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paybimainsurance1 · 2 years

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Here are top 6 post office investment plans :

National Savings Certificate (NSC)**This is a low-risk with fixed income scheme offered by the government and is available with the post-offices across India. This post office saving scheme for boy child is loaded with best features and benefits to aptly suit your child’s needs. It facilitates a fixed income and definite returns to generate best revenues. This plan is currently available at 6.8% rate of interest per annum.

Features:

Minimum investment – Rs.1000

Maximum investment – no max. limit

Interest Rate – 6.8%

Lock in tenure – 5 years

Tax Benefits – Up to Rs.1.5 lakh (as per Section 80C of Income Tax)

Benefits

The plan offers fixed return on investment higher as compared to FDs.

Offer Tax benefits under section 80C.

Available at an initial investment of Rs 1,000, which is very less.

The Plan is available with a maturity period of 5 years.

No TDS allowed so the insured can obtain full value at maturity.

Ponmagan Podhuvaippu Nidhi Scheme

The department of post, Tamil Nadu introduced the Ponmagan Podhuvaippu Nidhi Scheme in the year 2015,especially meant for the male child. The account for this post office saving scheme for boy child can be opened through a parent/guardian for a minor boy below 10 years of age, while minor boys above 10 years can open the account on their own name. This special plan is limited to the residents of Tamil Nadu only, and can be availed by parents before their son attains 10 years of age.

Features:

Minimum investment – Rs.500

Maximum investment – 1.5 lakhs

Interest Rate – 9.70%

Maturity period – 15 years

Tax Benefits – available under Section 80C of Income Tax

Benefits

The plan offers ways to increase your income.

Offer Tax benefits under section 80C.

Nomination facility available.

Payments can be made in lump sum or in 12 small installments.

Parents can avail loan facility from fourth year of the account.

Post Office Monthly Income Scheme (POMIS)

Post office monthly income scheme or POMIS is a saving scheme for boy child where you can earn a fixed monthly interest by investing a certain amount. This scheme is easy to open in any post office across the country and is packed with features and benefits. For this scheme, the one key requirement is to have a post office savings account.

Features:

Minimum investment – Rs. 1000

Maximum investment – 4.5 lakhs

Interest Rate – 6.6%

Maturity period – 5 years

Tax Benefits – TDS is not applicable but sum invested is not covered under Section 80C

Benefits

The plan offers capital protection until the plan matures

This is a low risk plan and safe.

It offers affordable deposit amount facility.

The scheme offers guaranteed returns.

Multiple ownership is also available under this scheme.

Kisan Vikas Patra (KVP)

Kisan Vikas Patra or KVP is an apt plan that suits perfectly to the low income as well as the middle-class income families in India. This is a short-term post office saving scheme for boy child in India that permit parents to invest on a particular lump-sum money per year.

Features

Interest Rate – 6.9%

Minimum amount – Rs.1,00

Maximum amount – No Upper Limit

Maturity period – 10 years and 4 months

Lock-in period – 30 months

Benefits

The plan offers guaranteed returns with zero risks.

It helps accumulate savings for future your child.

Allow parents to get loans with low interest rates.

Nomination facility is available.

Post Office Recurring Deposit (RD)

This another good saving post office schemes for boy child in India. This is a recurring deposit plan that offer high rate of interest as compared to regular saving account in a bank. Under this scheme, parents can save a particular amount in the account every month for 5 years.

Features

Interest Rate – 5.8%

Minimum amount – Rs.100

Maximum amount – No Upper Limit

Maturity period – 5 years

Benefits

The plan offers limited restrictions.

Nomination facility is available.

Transfer of funds is available from RD to savings account.

Allow parents to save enough for their male child’s future.

Public Provident Fund (PPF)

Public Provident Fund or PPF is a post office scheme for male child in India that help parents to save on taxes as well. PPF is a long term plan of investment available at an attractive rate of interest and offers god returns on investment.

Features

Interest Rate – 7.1%

Minimum Amount – Rs.500

Maximum Amount – Rs 1.5 lakh

Tenure/Lock-in period – 15 years

Tax Benefit – available up to Rs.1.5 lakh under Section 80C

Benefits

The plan offers low risk.

Nomination facility is available.

Allow parents to take loans against the invested amount from 3rd of scheme.

Transfer of funds is available under this savings scheme.

Long term savings with attractive interest rate.

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parentnashik · 5 months

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Post Office RD Scheme: Good news! You can take loan against post office RD, know How

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new-haryanvi-ragni · 2 years

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Post office scheme: Invest Rs 100 daily in THIS plan, get more than Rs 2 lakh in 5 years

A loan facility against the RD is also available. As per the rules, after depositing 12 installments, a loan can be taken up to 50 percent. The loan can be repaid in a lump sum or in installments. source https://zeenews.india.com/personal-finance/post-office-scheme-invest-rs-100-daily-in-this-plan-get-more-than-rs-2-lakh-in-5-years-2526990.html

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