00:00 The country is celebrating Independence Day today.
00:03 This is the right time to take a pledge for economic freedom and become financially strong.
00:10 If you think so, then watch this video.
00:13 The government of India guarantees deposit money in the post office.
00:17 That is, deposit money can never be lost.
00:20 In this case, on August 15, the pledge to invest in the post office deposit schemes can be taken.
00:25 So which schemes can you invest in and how can you become financially strong on Independence Day?
00:33 Can be free, can be financially free, they will tell you in this video.
00:37 Post office has a good scheme, monthly income scheme, which is also called post office MIS.
00:44 7.4% interest is being given on the scheme at the moment.
00:48 MIS is a 5-year deposit scheme on which interest is given every month.
00:53 If you want to open your account individually, then you can deposit 9 lakh rupees and if you want to open a joint account, then you can deposit a maximum of 15 lakh rupees.
01:03 The scheme does not give a leave on the deposit money and you have to pay the tax on the interest you get.
01:11 2. Post office has a time deposit.
01:15 This can be done for 1 year, 2 years, 3 years and 5 years.
01:19 6.9% on 1 year's deposit, 7% on 2 and 3 years' deposit and 7.5% on 5 years' deposit.
01:28 In 5 years' deposit, the maximum deposit of 1.5 lakh rupees can be taken out under the 80C tax.
01:35 However, you have to pay tax on interest according to the rule.
01:39 3. The next and third scheme is the farmer's development letter, in which you can double the deposit money in 115 months.
01:47 7.5% interest is being given in the farmer's development letter KVP.
01:52 The scheme does not give a leave on the deposit money and you have to pay tax on the interest you get.
01:59 4. PPF is also giving a good interest.
02:05 7.1% interest is being given on the scheme.
02:09 This scheme is 15 years old, in which money has to be deposited every year.
02:13 In this scheme, a maximum of 1.5 lakh rupees can be deposited every year.
02:18 On this deposit, the income can also be taken out under the 80C tax.
02:23 Apart from this, the biggest benefit of depositing money in PPF is that the interest on the completion of the scheme is completely tax free.
02:33 Apart from this, the next scheme, I am sure you must have heard about it too.
02:38 6. Sukanya Samradhi Yojana, in which the deposit money is given a leave of 1 acre.
02:44 Under Sukanya Samradhi Yojana, the account can be opened in the name of the girls.
02:48 Under this scheme, 8% interest is being given.
02:52 This is a 21-year deposit scheme and the entire amount is returned when the daughter grows up.
02:57 Apart from this, another good scheme of the post office is the National Saving Certificate.
03:02 This is usually known as NSC.
03:05 7.7% interest is being given on the post office NSC at the moment.
03:09 Money is deposited in this scheme for 5 years.
03:12 By depositing a maximum of 1.5 lakh rupees in this scheme, you can get a leave under the 80C tax.
03:18 However, you have to pay tax on the interest on the scheme as per the rules.
03:23 The last scheme of this video is the Senior Citizen Saving Scheme.
03:28 There is also a scheme of the post office, Senior Citizen Saving Scheme.
03:31 This scheme is for 5 years.
03:35 8.2% interest is being given on the deposit money.
03:38 The entire benefit of income tax is obtained in this scheme.
03:41 Here, the deposit money is also given a leave of 1 acre and the entire interest of the scheme is tax free.
03:47 On the occasion of Swetha Dirda Day, we have told you some government schemes.
03:51 There are schemes of the post office in which you can earn the most profit by depositing money.
03:57 How did you like this video? Comment and tell us.
04:01 I wish you all a very happy Swetha Dirda Day.
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