New Delhi. In the midst of the ever-increasing infection of Corona, the focus is on people to invest their money and where to invest them. People have come forward in the past few years, wherever there is investment, the security of money is complete. If you also want complete protection of your investment, then the post office is the only place in the country where such protection is available. Let us tell you that the Government of India guarantees the security of the entire money deposited in the post office. In this case, let us know which are the best deposit schemes of the post. If you deposit money with good planning, then these schemes will also make you a millionaire.
So first of all know the names of the post office millionaire schemes - 4 schemes that make millionaires run in the post office. But investment in them has to be done under a planning. The names of these schemes are as follows. The first is Public Provident Fund i.e. PPF. The second is a recurring deposit, ie RD. The third is National Savings Certificate i.e. NSC and the fourth is Time Deposit ie TD (Post Office FD). Large funds can be created by investing in these post office schemes.
Know how to become a millionaire by investing in PPF - One can invest a maximum of 1.5 lakh rupees annually in public provident fund i.e. PPF. This can be done several times at a time. But if you look at it by month, then it is 12,500 rupees. PPF maturity is in 15 years. If you want, you can extend it for 5–5 years later. The scheme currently offers an annual interest rate of 7.1 percent. If you invest 1.5 lakh rupees annually in this scheme, then you can easily become a millionaire. But for this, you have to keep investing continuously for 25 years.
Know how to become a millionaire by investing in a Recurring Deposit ie RD - You can also become a millionaire by starting an investment in RD of a Post Office. There is no upper limit for depositing money in the post office RD. That is, you can deposit as much money as you want every month in RD. If you deposit Rs 12500 a month in it, then you can easily become a millionaire. The post office RD is currently getting 5.8% compounding interest annually. If you deposit Rs 12500 every month or Rs 1,50,000 annually in RD, then after 27 years you will have around Rs 99 lakh. If you want the entire Rs 1 crore, then increase this investment for one more year, then this investment will be much more than one crore rupees.
Know how to become a millionaire by investing in National Savings Certificate i.e. NSC: One can become a millionaire by investing in National Savings Certificate of Post Office i.e.NSC . One can also get an annual tax rebate of Rs 1.5 lakh under Section 80C of Income Tax for investing in it. The National Savings Certificate of Post Office i.e. NSC's maturity period is 5 years. At the same time, the National Savings Certificate i.e. NSC is getting interest at the rate of 6.8% per annum. In this context, if you keep buying NAC of Rs 12500 every month and as soon as this NSC is completed after 5 years, invest this entire money in NSAC twice. If this sequence continues for 26 years, then you will have more than 1 crore funds ready.
Know how to become a millionaire by investing in time deposit ie TD - Just like banks have FD, post office has time deposit ie TD. You can also become a millionaire if you plan to invest in this TD. There is no fixed maximum limit for time deposit of post office i.e. TD. Under the post office time deposit, the interest is getting 6.7% per annum on 5-year deposits. If you keep making a time deposit of Rs 12500 or TD every year, after 26 years you will have a fund of Rs 1 crore.
Know the interest rates of other post office savings schemes - 1. At this time 4 percent interest is being given in the post office savings account. 2. 6.6% interest is currently being paid on the post office monthly income scheme. 3. At present, 5.5% interest is being given on 1 year time deposit of post office. 4. At present, 5.5% interest is being given on 2-year time deposit of post office. 5. At present, 5.5% interest is being given on the 3-year time deposit of the post office. 6. Interest of 6.7% is being given on 5-year time deposit of post office at this time. 7. Interest of 6.9% is being given on the Kisan Vikas Patra. 8. At present, interest of 7.6% is being given on Sukanya Samriddhi Yojana. 9. At present, interest of 7.4% is being given on Senior Citizen Savings Scheme.
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