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Public Provident Fund : 12 Things You Should Know About it | ETMONEY | Všeobecné správy denne
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Public Provident Fund : 12 Things You Should Know About it | ETMONEY
Public Provident Fund or PPF is one of the most popular investment avenues used by Indians to save and grow their money for retirement. Afterall, the money invested is guaranteed by the Government of India, there are tax benefits and the gains one makes on it are taxfree. In this video, we shall summarize the many features of the PPF account and uncover some additional details that investors may find useful
Chapters:
00:00 Introduction
00:37 Taxation
01:51 Maturity Period
02:44 Extension of PPF Account
04:09 Contribution
05:31 Eligibility
06:35 PPF Account for Minors
08:00 Interest Rate and Calculation
09:20 Partial Withdrawals
10:54 Closure of PPF Account
12:27 Loan Against PPF
13:56 Loan Decree or Attachment
14:30 Opening a PPF Account
👉 TAXATION
PPF comes with a EEE or the exemptexemptexempt tax status. This means: a) one is entitled to receive tax benefits under Section 80C of the Income Tax Act, b) all interest earned in this account is taxfree and c) all maturity proceeds are exempt from any capital gain or wealth tax
👉 MATURITY PERIOD
PPF has a maturity of 15 years. However, this maturity date is not calculated from the date of opening the account but from the end of the financial year in which the first deposit was made
👉 EXTENSION OF PPF ACCOUNT
Once the PPF account matures at the end of 15 years, the account holder has an option of extending the maturity in blocks of 5 years. These extensions can be done any number of times. During this extension period, the PPF account will continue to earn the prevailing interest rate
👉 CONTRIBUTION AMOUNT
PPF rules require a minimum contribution of 500 rupees per year and allows a maximum contribution of 1,50,000 rupees in a financial year. The government generally changes the maximum contribution limit every few years
👉 ELIGIBILITY
Any Indian citizen can open a Public Provident Fund account in one’s own name. Further, an individual can also open an account on behalf of a minor or a person of unsound mind of whom he or she is a guardian. However, the rules do not allow a joint account or an HUF or an NRI to open a new PPF account
👉 PPF ACCOUNT FOR MINORS
A PPF account on behalf of a minor can be opened by either parents. From a contribution point of view, the maximum allowed limit of 1.5 lakh is an aggregate limit i.e. it includes the contribution of the subscriber and the minor for whom the subscriber is a guardian
👉 INTEREST RATE & CALCULATION
The Public Provident Fund is a fixed income asset class and account holders receive an interest at a rate that is set by the Government of India. The current rate is 7.1%. The PPF interest is calculated every month on basis, the lowest balance of the month from the 5th of the month until the end of the month
👉 PARTIAL WITHDRAWALS
PPF subscribers are allowed to make premature or partial withdrawals after five complete financial years. These premature withdrawals come with certain conditions like a limit of 1 withdrawal per financial year, no loans allowed against the PPF balance and withdrawal limit of 50% on previous year’s balance. Withdrawal rules for an extended PPF account are a bit different
👉 CLOSURE OF PPF ACCOUNT
One can close a PPF account after maturity or post the extension period by submitting an application to the bank or the post office in which the account is held. However, if you want to prematurely close your PPF account, then some conditions need to be complied with and a deduction of 1% is made on the interest calculation
👉 LOAN AGAINST PPF
PPF subscribers are eligible to take a loan against their account balance between the third and the sixth financial year. This loan amount is capped at a maximum of 25% of the preceding two year’s closing balance. These loans are charge ar 1% higher than the prevailing PPF interest rate
👉 COURT DECREE OR ATTACHMENT
A court order or decree cannot be attached to a PPF account and its balance cannot be accessed by lenders for the payment of a debt or liability. However, this rule does not apply to income tax authorities
👉 OPENING A PPF ACCOUNT
One person can open only one PPF account. In case, a subscriber mistakenly opens more than one account, then the additional account will be treated as irregular and will not carry any interest or tax benefit. Opening a PPF account is very easy and a number of banks are doing this online with a minimum contribution of just 500 rupees
ETMONEY PPF PublicProvidentFund
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Jak (nie) świadomie wdepnąć w GÓWNO? Czyli cała prawda o … Providentcie i jego wspaniałej ofercie! Tak się ciągnie kasę z Klientów!
Food Storage: Packaging Dry Goods in Metal Cans for Long Term Storage
Metal cans are a great way to protect your stored dry goods from the environment, including rodents. The trick is to package the food in a way that protects it from the can. Jim asked us if we thought it would be possible to store food inside of a Mylar bag inside of a paint can. His idea was brilliant and inspired us to create this video.
In this video, we demonstrate how to line a paint can with a Mylar bag, fill it with split peas, and seal it for longterm storage. Then we expand this idea to include a repurposed 10 can with a plastic lid and also a metal barrel. The Mylar bags protect the dry goods from the metal and create the ideal environment for the longterm storage of dry goods.
One of our favorite places to purchase 1gallon and 5gallon Mylar bags and oxygen absorbers is from Wallaby https://bit.ly/3ga2au8. Use the promo code PROVIDENT5 for $5 off your order. The oxygen absorbers are individually packaged … which is awesome!
Another source for highquality Mylar bags is Harvest Right. These are smaller gusseted bags and are ideal for small quantities https://bit.ly/2YaSRox
You can find a huge selection of Mylar bags and oxygen absorbers on Amazon. These bags are 5 mil https://amzn.to/3gDuEgD which is one of the important things to look for. Buyer beware on Amazon. Not all sellers offer quality Mylar bags or oxygen absorbers.
Learn more about packaging food for long term storage at TheProvidentPrepper.org
How to Package Dry Foods in Mylar Bags for LongTerm Storage
https://theprovidentprepper.org/howtopackagedryfoodsinmylarbagsforlongtermstorage/
Long Term Food Storage: Creative Solutions to Build a Critical Asset
https://theprovidentprepper.org/longtermfoodstoragecreativesolutionstobuildacriticalasset/
Long Term Food Storage: Best Containers and Treatment Methods
https://theprovidentprepper.org/longtermfoodstoragebestcontainersandtreatmentmethods/
Thanks for being part of the solution!
TheProvidentPrepper.org is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com. This site also participates in other affiliate programs and is compensated for referring traffic and business to these companies.
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SSS MANDATORY PROVIDENT FUND | Ano ang SSS Mandatory Provident Fund | SSS Contribution Hike sa 2021
SSS MANDATORY PROVIDENT FUND | Ano ang SSS Mandatory Provident Fund | SSS Contribution Hike sa 2021
by: Chacha’s TV atbp. | Chacha’s TV
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Chaha’s TV Atbp. | Chacha’s TV
This Video Includes:
SSS
Social Security System
SSS Mandatory Provident Fund
SSS Provident Fund
SSS PESO FUND
SSS FLEXI FUND
SSS 20201 Contribution Table
SSS Contribution Hike
SSS COntribution tataas sa 2021
2021 SSS Contribution Schedule
2021 SSS Contribution Table
SSS Contribution
SSS Mandatory Provident Fund 2021
SSS Mandatory Provident Fund 2021 Contribution
SSS Provident Fund Contribution
Chacha’s TV
SSS Contribution 2021
SSS 2021
SSS 2021 update
SSS 2021 Contribution Hike
Disclaimer:
None of the “Chacha’s TV Atbp.”, host, editor, programmer and staffs are affiliated with SSS/Pagibig Fund/Philhelath/NBI or other Government Agencies and organization.
Videos produced are solely for information and entertainment purposes only.
But we made sure to get Data from Legit sources and released information by Agencies and communicate it to our audiences for better understanding.
Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Nonprofit, educational or personal use tips the balance in favor of fair use.
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GOD Bless you and Have a nice day!
Employee Provident Fund (EPF) How it works | Interest Rate | Withdrawal Rules | Budget | ETMONEY
EPF or the Employee Provident Fund is perhaps the most multidexterous of all available financial products as it serves four functions 1. Grows wealth, 2. Offers pension, 3. Has inbuilt insurance and 4. Saves taxes. And all this in addition to giving excellent interest rates of 8.50% at minimal risk.
In this video, ETMONEY’s Shankar Nath does a detailed roundup on this quintessential financial product on which many people know very little about.
What’s covered in this video:
00:00 Introduction
01:27 Design of EPF
02:42 How EPF Works?
05:32 Example
10:24 Interest Earned On EPF
12:53 Withdrawal Rules
14:27 Changes In Budget 2021
16:13 ETMONEY Opinion
👉 DESIGN OF EPF
The EPF is not one scheme but actually comprises three different schemes with three different objectives. These are :
1. EPF (Employee Provident Fund)
2. EPS (Employee Pension Scheme)
3. EDLI (Employee Deposit Linked Insurance)
👉 HOW EPF WORKS?
EPF starts with the employee paying a certain part of his or her salary towards the scheme, which is often matched with an equal contribution from the employer. Then, the combined money is then deposited with the Employee Provident Fund Organisation or EPFO on which you continue to accumulate interest every year.
A few things to remember here:
1. For EPF purposes, salary means your basic salary and your dearness allowance.
2. The present rules require that any organization with 20 or more employees will have to compulsorily register with the EPFO and provide employees with EPF benefits.
3. Additionally, the rules also state that employees whose salary is up to 15,000 rupees a month have to necessarily be part of the EPF program.
Is it possible to optout of the EPF program altogether?
Yes, one can optout of the EPF scheme when you start your career i.e. at the time you join your first company at a basic salary of more than 15,000 rupees a month. In that case, since you have never contributed to an EPF scheme, you can fill Form 11 while joining the organization which shall then treat you as an excluded employee for PF purposes.
👉 EPF INTEREST RATES
The EPF interest rate is proposed on a yearly basis by the Employees Provident Fund Organization’s Central Board of Trustees which is then sent for final approval to the Ministry of Finance.
The last declared EPF interest rate was for the year 201920 which stood at 8.50%. The circular is available here: https://www.epfindia.gov.in/site_docs/PDFs/Circulars/Y20202021/Inv_ROI_201920_2025.pdf
It won’t be surprising to see the EPF interest rates to temper a little or a lot lower in this financial year as the EPF charter that requires that 85% of the EPF corpus needs to go into debt instruments which are yielding somewhere close to 5.8%
EPF taxation comes under the exemptexemptexempt category which means the maturity amount will not attract any capital gains.
👉 WITHDRAWING FROM EPF
There are three scenarios upon which 100% of the EPF can be withdrawn
1. Upon attaining the age of 58 years
2. If you are unemployed for two months or more
3. Upon the premature death of the member upon which the entire corpus is given to the appointed nominee.
You have to be mindful of a number of terms and conditions if you want to withdraw before retirement i.e. premature withdrawal. Most importantly, this can be done in only specific scenarios like education, purchase of land, marriage, medical emergency, home loan repayment etc.
A more comprehensive list of scenarios is available in the EPFIndia website. You can access it here: https://www.epfindia.gov.in/site_docs/PDFs/Downloads_PDFs/TypesOfAdvances_Form31.pdf
👉 EPF RELATED ACTIONS IN BUDGET 2021
There were two proposals raised in the 2021 Budget which has an impact on EPF
1. Disallow any deduction on account of the employee’s PF contribution as an expense to employers if the employer does not deposit the EPF contributions within the stipulated time.
2. A proposal aimed at the high salary bracket users which says that any interest earned on annual provident fund contributions exceeding ₹2.5 lacs shall be taxable from April 2021. It’s important to note here that this provision will only apply to the employee’s contribution and not that of the employer.
👉 BENEFIT OF EPF
1. One of the best retirement planning tools
2. Excellent interest rates
3. Favourable taxation (EEE)
4. Lowrisk instrument due to government backing
5. Offers pension
6. Convenient saving tool
ETMONEY EPF EmployeeProvidentFund
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9 Employee PROVIDENT FUND Explained | EXAMPLES | BENEFITS | UAN | Save Income Tax | FinCalC TV
9 Employee PROVIDENT FUND Explained | EXAMPLES | BENEFITS | UAN | Save Income Tax | FinCalC TV
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Employee Provident fund is a government backed Saving scheme applicable to Employees working in an organization. The scheme basically aims at promoting savings to be used postretirement by various employees all over the country.
The employer and employee contribute 12% each of the employee’s salary to the EPF. These contributions earn a fixed level of interest set by the EPFO.
The amount of interest to be received on the deposit along with the total accumulated amount is totally taxfree, that is, the employee may withdraw the entire fund without worrying about paying any kind of tax on it.
Any organization employing a minimum of 20 workers is liable to give EPF benefits to the workers.
Employee’s Contribution towards EPF:
The Employees’ Provident Fund is a fund where both the employer as well as the employee contributes a part of the salary. These contributions are made regularly on a monthly basis.
In general, the contribution rate for the employee is fixed at 12%. So every month, 12% of basic salary of employee is contributed towards Employee Provident Fund.
Employers Contribution towards EPF:
The minimum amount of contribution to be made by the employer is set at a rate of 12%. This means that the employer match with the contribution of Employee.
Important points:
The contribution made by the employee goes totally towards the provident fund of the employee.
The contribution made by the employer is divided into different parts.
Total contribution made by the employer is distributed as 8.33% towards Employees’ Pension Scheme and 3.67%
towards Employees’ Provident Fund.
Apart from the abovemade contributions, an additional 0.5% towards EDLI has to be paid by the employer.
Certain administration costs towards EDLI and EPF standing at the rate of 1.1% and 0.01% respectively also have to be incurred by the employer.
This means that the employer has to contribute a total of 13.61% of the salary towards this scheme.
Interest Rate on EPF:
The interest rate for the financial year 2017 – 2018 was 8.55%. The interest even though calculated on a monthly basis, is transferred to the Employees’ Provident Fund account only on a yearly basis on 31st March of the applicable financial year.
If the contribution is not made into an EPF account for thirtysix months continuously, the account becomes dormant or inoperative. Interest is not provided on the amount deposited in inoperative accounts of retired employees.
The interest earned on inoperative accounts is taxable as per the member’s slab rate. For contributions made towards the Employees’ Pension Scheme by the employer, the employee shall not receive any interest. However, a pension is paid out of this amount after the age of 58.
WATCH FULL VIDEO TO SEE EPF INTEREST CALCULATION EXAMPLE.
UAN:
Universal Account Number or UAN is a 12digit unique number assigned to each and every member who registers with the EPFO. This number is linked with all PF accounts of a member. The member can log in to the EPF member portal using the UAN and access all his PF accounts at one place. UAN is linked with Aadhaar and PAN of the employee. In case the employee fails to link his Aadhaar and PAN with his UAN, he will not be able to avail almost all the online services offered by the EPF member portal. So it is very important for you to register on the UAN site, in order to keep all PF accounts in one UAN Account.
Employee Provident Fund Benefits:
TaxFree Savings
LongTerm Financial Security
Retirement Period
Unemployment/Income Loss
Resignation/Quitting of Job
Pension Scheme
Accessible All Over
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Felix Kröcher Provident (Victor Ruiz Remix)
Support from ANNA, Maceo Plex, Riva Starr, Noir, James Zabiela, Enrico Sangiuliano, Animal Trainer, Karotte, Tiga…
Out on beatport: http://btprt.dj/1pc7QHN
Out on STEMS: http://btprt.dj/2g7jwvT
Out on vinyl: http://bit.ly/11ZFwtK
listen to the whole ep: http://bit.ly/29kr9qt
We are happy to present the Terminal M debut of longtime friend Felix Kröcher, who’s one of the leading techno djs from Germany, headlining festival after festival and convincing every week with his highly influential radio show on Sunshine Live.
Terminal M head honcha Monika Kruse is equally glad that shootingstar Victor Ruiz from Brasil found the time for an amazing remix which also Felix Kröcher played in his sets the whole summer.
Check:
http://www.facebook.com/TerminalMRecords
http://www.facebook.com/felixkroecherofficial
http://www.facebook.com/victorruizofficial
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Public Provident Fund : 12 Things You Should Know About it | ETMONEY a súvisiace obrázky provident
Public Provident Fund : 12 Things You Should Know About it | ETMONEY
provident a súvisiace informácie
Public Provident Fund alebo PPF je jednou z najobľúbenejších investičných ciest, ktoré Indiáni používajú na sporenie a rast peňazí na dôchodok. Investované peniaze sú napokon zaručené indickou vládou, existujú daňové výhody a zisky, ktoré na nich človek dosiahne, sú oslobodené od dane. V tomto videu zhrnieme mnohé funkcie účtu PPF a odhalíme niekoľko ďalších podrobností, ktoré môžu investorom byť užitočné Kapitoly: 00:00 Úvod 00:37 Zdaňovanie 01:51 Obdobie splatnosti 02:44 Rozšírenie účtu PPF 04:09 Príspevok 05:31 Spôsobilosť 06:35 Účet PPF pre mladistvých 08:00 Úroková sadzba a výpočet 09:20 Čiastočné výbery 10:54 Zatvorenie účtu PPF 12:27 Pôžička proti PPF 13:56 Vyhláška alebo príloha o pôžičke 14:30 Otvorenie účtu PPF 👉 ZDANENIE PPF sa dodáva s EEZ alebo so statusom dane oslobodenej od dane. To znamená, že: a) je oprávnený poberať daňové výhody podľa § 80C zákona o dani z príjmov, b) všetky úroky získané na tomto účte sú oslobodené od dane a c) všetky výnosy zo splatnosti sú oslobodené od akéhokoľvek kapitálového zisku alebo dane z majetku 👉 SP splatnosť PERIOD PPF má splatnosť 15 rokov. Tento dátum splatnosti sa však nepočíta od dátumu otvorenia účtu, ale od konca finančného roka, v ktorom bol vykonaný prvý vklad 👉 ROZŠÍRENIE ÚČTU PPF Akonáhle účet PPF dozrie na konci 15 rokov, majiteľ účtu má možnosť predĺženia splatnosti v blokoch na 5 rokov. Tieto rozšírenia je možné vykonať niekoľkokrát. Počas tohto predĺženého obdobia bude účet PPF naďalej získavať prevládajúcu úrokovú sadzbu 👉 VÝŠKA PRÍSPEVKU Pravidlá PPF vyžadujú minimálny príspevok 500 rupií ročne a maximálny príspevok 1 50 000 rupií v finančnom roku. Vláda spravidla mení limit maximálneho príspevku každých niekoľko rokov 👉 ZPŮSOBILOSŤ Každý indický občan si môže otvoriť účet vo verejnom fonde prezidenta vo vlastnom mene. Fyzická osoba si ďalej môže otvoriť účet v mene neplnoletej osoby alebo osoby so zdravotným postihnutím, ktorej je opatrovníkom. Pravidlá však neumožňujú otvoriť si nový účet PPF ani spoločný účet, ani HUF alebo NRI 👉 ÚČET PPF PRE NEPLATNÝCH Účet PPF v mene maloletej môže otvoriť ktorýkoľvek z rodičov. Z hľadiska príspevku je maximálna povolená hranica 1,5 lakh súhrnným limitom, tj zahŕňa príspevok predplatiteľa a maloletej osoby, pre ktorú je predplatiteľ opatrovníkom 👉 ÚROKOVÁ SADZBA A VÝPOČET Verejný investičný fond je aktívom s fixným príjmom trieda a majitelia účtov dostávajú úrok vo výške, ktorá je stanovená indickou vládou. Aktuálna sadzba je 7,1%. Úroky z PPF sa vypočítavajú každý mesiac na základe najnižšieho zostatku v mesiaci od 5. v mesiaci až do konca mesiaca 👉 ČIASTOČNÉ VÝBERY Predplatitelia PPF môžu vykonávať predčasné alebo čiastočné výbery po piatich úplných finančných rokoch. Tieto predčasné výbery majú určité podmienky, ako napríklad limit 1 výber za finančný rok, žiadne pôžičky povolené proti zostatku PPF a limit výberu 50% zo zostatku v minulom roku. Pravidlá výberu pre predĺžený účet PPF sú trochu odlišné 👉 ZATVORENIE ÚČTU PPF Účet PPF je možné zrušiť po splatnosti alebo po predĺžení obdobia predložením žiadosti banke alebo pošte, v ktorej je účet vedený. Ak však chcete predčasne zatvoriť svoj účet PPF, je potrebné splniť niektoré podmienky a pri výpočte úroku sa vykoná zrážka vo výške 1% 👉 PÔŽIČKA PROTI PPF Predplatitelia PPF sú oprávnení vziať si pôžičku oproti svojmu zostatku na účte medzi tretí a šiesty finančný rok. Táto výška pôžičky je obmedzená maximálne na 25% z predchádzajúceho dvojročného konečného zostatku. Tieto pôžičky sú účtované o 1% vyššie ako prevládajúca úroková sadzba PPF. 👉 SÚDNY DVOR ALEBO DOPLNENIE Súdny príkaz alebo výnos nie je možné pripojiť k účtu PPF a veritelia k jeho zostatku nemôžu získať prístup k platbe dlhu alebo záväzku. Toto pravidlo však neplatí pre úrady dane z príjmu 👉 OTVORENIE ÚČTU PPF Jedna osoba si môže otvoriť iba jeden účet PPF. V prípade, že si predplatiteľ omylom založí viac ako jeden účet, bude ďalší účet považovaný za nepravidelný a nebude mať žiadne úroky ani daňové výhody. Otvorenie účtu PPF je veľmi jednoduché a niekoľko bánk to robí online s minimálnym príspevkom iba 500 rupií #ETMONEY #PPF #PublicProvidentFund 👉 Ak chcete zadarmo investovať do priamych plánov vrcholových investičných fondov, stiahnite si aplikáciu ETMONEY: 👉 Prečítajte si viac takýchto informatívnych článkov na 👉 Sledujte nás na: ► Facebooku: ► Twitter:
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Public Provident Fund : 12 Things You Should Know About it | ETMONEY.
provident.
Dúfame, že tu nájdete informácie o provident .
Ďakujeme za zhliadnutie tohto obsahu
Dear ETMoney team,
thanks to you, we know that we should do a goal based investing. I wanted to suggest the team to give the option to define a goal in the ETMoney app, across each of the mutual fund holding. This will resist anyone doing random sell-offs, and will be more persistent in their investment journey. Thanks.
Respected Sir……..You made a very beautiful video covering all the topics……first of all a big thanks to yourself……..But can u please make a video on PPF and VPF………which is better
ET Money Video and Content quality is always No-1
Bestest person to explain on any topic
The real compounding starts only after 15-20 years. The interest earned will be double of the contribution after 20 years. You should never close the account and try to invest Rs.1,50,000 every year as you cannot make up for the short fall in a year in subsequent year. Once the financial year ends you cannot compensate for short fall in subsequent year. Always deposit in the month of April before 5th to earn interest for the full year.
ET Money Team, you're doing great with Mutual funds and other financial planning strategies. I was wondering why don't you get into stock market concepts also. I love the way how you put your thoughts in a video in a very simple way. Looking forward for more such videos from you especially about stock markets
Respected team thank you for valuable information.
Quick question: Currently PPF interest rates are on downward trend and will continue being the same considering India developing rapidly.
Would like to know your point of view whether we should invest in a 'Guaranteed Insurance Plan' (No ULIP, No Moneyback, No Endowment) which assures us a 6% p.a. return or go with PPF as currently it is providing 7.1% but in future it could reduce and go below 5% as well.
Also both provides the tax savings feature.
Looking forward to hear from you.
Hi… Your videos are very informative… Thanks for the research.
Could you please clarify how interest is calculated on PPF investment? I invest 10000 at 7.1 in year 1 and in year 2 say the int rate becomes 8, then will the 10000+int get int at rate 8, or this 10000 keeps getting 7.1 until maturity?
Superb Explanation! 👍 Also one should remember that PPF would be 15 years of SIP in fixed income category.
Hi can you clarify if I submit an amount on 5th of month, will the interest of that month be calculated for that amount or not
I have learned a lot from the ETMoney team, great effort. Great way to diversify against equity for retirement purpose.
Good explanation clarity
Please make details video on RBI Floating Rate Saving Bond
Being a PPF subscriber, I didn't knew many of the points. Always grateful for ET Money and their team for seriously making very informative video each time. Nowadays, am sure that your videos will be very good only so I click on like button as soon as I open it 😁
Great job 👌
Sir , Can you clarify whether people with DSOPF account running can open separate PPF account in post office or not?
Team ET Money, how are you so good!!?? Covering all the aspects of a topic in depth with such clarity & fluidity within 17 minutes, consistently every video after video, must surely require tons of expertise and efforts. Thank you very much team ET Money!
The best explanation of PPF that i have ever seen or heard! Fabulous video!! 👍🙏👏
Nice. Insights 👍
Sir can i change the amounts depositing in ppf account every month like im this month ive deposit 7k and next month can i deposit 5k or 8 k ????plz reply 🙏🙏
Very informative and excellent point to point presentation, Sir👍👏
Public provident fund 🎯👍✅💯
Is there any advantage of having PPF account with SBI rather than private banks like ICICI, HDFC bank etc?
THE WORST INVESTMENT YOU CAN DO IS IN A FD, THE SECOND WORST IS PPF.
IN THE SHORT TERM IT MIGHT BEAT INFLATION NOT THE SAME CAN BE SAID FOR LONG TERM.
THE INTEREST IS REVISED EVERY QUARTER. IF YOU WANT TO SAVE TAX UNDER 80C, PUT YOUR MONEY IN ELSS MUTUAL FUND. NOT ONLY WILL IT GIVE YOU INFLATION BEATING RETURNS BUT WILL SAVE TAX AT THE SAME TIME.
Please make a video on Old Regime vs New Regime
👍🏻
Very well presented sie thank you .
Awesome Video.
I have 2 questions:
1. My daughter is a minor & was born in Apr-2019 in India..At that time, I had opened a PPF account in her name when she was in India and after 4 months in Aug-19, she came abroad and residing outside India till date..can I continue her PPF account as she is an NRI now?
2. In addition to contribution of 1.5 lacs p.a., my wife also has a PPF accnt in her name and I am contributing 1.5 lacs p.a. in my wife's PPF account from my funds. Is that allowed to make total 3 lacs contribution from my funds?
P.S I do not have PPF account and my wife does not earn.
Can we have different contributions each year?
Like for a year i want to invest 1000 and for other 3000 is it possible?.
Or will it be a fix amount we have to pay with the one we started?
In this video you are saying that if we withdrawal excess of 20 lakhs, then there is tax… please verify & clear this point….
Plz make a video on ITR Filing
Thankyou so much……May God bless you..!!…..fr ppl like me with no one to guide….i wish n pray huge success for you…Sai bless Shankar..!!
Hi your input on long term planning is excellent . If long term planning is in place. Can I learn trading for monthly side incomes. Any input on trading
As usual another informative video.
Just to know more on this, I always belive it is a great financial instrument for the government to raise money considering the lock-in period.
The only problem for people like us is the lowering interest rate since 2010. If the government increase the interest rate and also increase the cap (1.5 lac to 2lac) then there will be good fund raising from this financial instrument. And yes this they can do gradually.
Also for a retail people like us this will give more benifits like EEE benefit with higher rate of interest and higher cap.
A win-win situation for both and may be good for economy.
Please suggest me which is better between ELSS OR PPF
I have a query here ..
I am having ppf A/c with yearly contribution of 1.5 lakhs and I also have Sukanya samriddhi account in the name of my daughter with contribution of 1.5 lakhs..
Does this both consider into one scheme ?
Does they consider multiple A/c or both are separate?
Nice explanation
Very insightful. Thanks for the knowledge. However in the scenario of falling interest rates and a long lock-in period, do you still advise to invest in PPF or should we choose debt fund? For tax savings, I am investing in ELSS through etmoney app.
Whats the guarantee of EEE status when govt can easily tweak the laws and bring pf interest into taxable income.. like they have done with epf > 2.5 lakhs 🤷