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These plans of Post Office are for people of all ages, you can get lakhs of rupees without any risk

 In this era of coronavirus pandemic,

 people are facing financial difficulties. During this time, those who have already saved have got some relief. Small savings made regularly always come in handy. Often people do not pay attention to it. 


They think that when they have more money, 

they will get more profit by investing it. But it takes time and there is no saving when the time of trouble comes. Post office plans are considered the best to get good returns on small savings. There are many post office schemes in which small amounts can be safely invested. 


People of any age can invest People of any age can invest in Post Office Savings Schemes. It has great schemes for children to youth and senior citizens as well, on which guaranteed returns are available.


in all respects It is safe from investmentInvestment in post office schemes is safe in every respect. Money can't go into it. The investment made in this has got sovereign guarantee from the government. Facility of Online Deposit Now investing in post office schemes online can also be done. This facility can be availed through India Payment Post Bank (IPPB). A fund of lakhs of rupees can be created for the future by investing in post office schemes. 


Apart from adults,

 children can also open PPF accounts in the Public Provident Fund (PPF) post office. PPF account can be opened with as little as Rs 500. Currently, the interest rate on this account is 7.1 percent per annum. It is necessary to deposit a minimum of Rs 500 and a maximum of Rs 1.5 lakh in the account in a financial year. 


Maturity Period The maturity period of PPF account is 15 years. It cannot be turned off before that. However, it can be closed after completion of 5 years in certain cases like serious illness of husband, wife and children, higher education of children or settling in abroad. 


Loan facility can also be taken after the completion of one year of the PPP account and before the completion of 5 years. Apart from this, withdrawal can also be done after the completion of 5 years of the account. Online deposit facility is available at Post Office PPF through intra-operable netbanking-mobile banking and online deposit facility from India Post Payments Bank Savings Account.


Sukanya Samriddhi Scheme (SSY) This scheme of post office has been prepared keeping girls in mind.

 This is a very popular scheme. Under this scheme, accounts can be opened in the name of the daughter. In Sukanya Samriddhi Scheme, parents can open an account in the name of the girl child up to the age of 10 years. Only one account can be opened in the name of a girl child. This account can be opened with a minimum amount of Rs.250. 


The maturity period of this scheme Sukanya Samriddhi Account can be closed only after the girl child turns 21. However, there is a provision for normal premature closure when the girl turns 18 or when she is married. Partial withdrawal of cash can be made from the girl child's SSY account after the age of 18 years. The withdrawal limit is up to 50% of the balance in the account at the end of the previous financial year. 


Tax exemption is available on investment made in Sukanya Samriddhi Yojana,

 deduction of tax up to Rs 1.5 lakh can be claimed under section 80C of Income Tax. Apart from this, the interest earned on the deposit amount and the money received on completion of maturity period is also tax free. 


Senior Citizen Savings Scheme (SCSS) Senior Citizen Savings Scheme in Post Office is a great option for regular income of retired people. The maturity period of this scheme is 5 years. The current interest rate on this is 7.4 percent per annum. This account can be invested only once, which is from a minimum of Rs 1000 to a maximum of Rs 15 lakh. Under this scheme, the account of a person who is 60 years of age or above can be opened. 


Account can be opened even at the age of 55 years: In the Senior Citizen Savings Scheme, if someone is 55 years or more but less than 60 years old and has taken VRS, then he can also open the account. Such a person has to open this account within one month of receiving the retirement benefits. Also, the amount to be deposited in it should not exceed the amount of retirement benefits. In this scheme, the wife and husband can also hold a joint account together, but the maximum investment cannot exceed 15 lakhs. 



Premature closure is allowed on Senior Citizen Savings Account, 

but no interest is paid if the account is closed before the completion of one year. At the same time, 1.5 percent of the deposit amount is deducted on closing the account after 1 year of opening. If the account is closed after 2 years, 1% of the deposit amount is deducted. 


Account can be extended for three years Senior Citizen Savings Account can be extended for 3 years even after maturity. TDS is deducted if the interest amount in this account exceeds Rs 50,000 per annum. However, investment in this scheme is eligible for exemption under section 80C of the Income Tax Act. It also has the facility of nomination, facility to transfer the account from one post office to another and the facility of opening multiple Senior Citizen Savings Accounts in the same office. 



100% Safe Investment Post office schemes are safer for those with small savings deposits.

 The government gives sovereign guarantee on the money deposited in the post office. Money cannot get stuck here under any circumstances. On the other hand, your money deposited in banks is not 100% safe. In case a bank defaults, the Deposit Insurance and Credit Guarantee Corporation (DICGC) guarantees a security of only Rs 5 lakh to the customers in the bank.


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