नई दिल्ली (मानवीय सोच) अगर आप कही पैसे इन्वेस्ट करने का सोच रहे हैं और सेफ रिटर्न पाना चाहते हैं तो ये खबर आपके काम की है। आज हम आपको पोस्ट ऑफिस की एक ऐसी स्कीम के बारे में बताने जा रहे हैं जिसमें आपका अच्छा रिटर्न तो मिलेगा ही साथ ही और भी कई फायदे मिलेंगे। हम बात कर रहे हैं पोस्ट ऑफिस की टाइम डिपॉजिट स्कीम (TD Account) के बारे में, खास बात यह है कि इस स्कीम में आपको बैंक से ज्यादा ब्याज मिलेगा। इस स्कीम को डाकघर (Post Office) की FD भी कहते हैं। आइए आपको बताते हैं इस स्कीम के बारे में डिटेल में बताते हैं
पोस्ट ऑफिस टाइम डिपॉजिट स्कीम डिटेल्स
इस स्कीम में आप 1 साल, 2 साल, 3 साल और 5 साल के लिए पैसे जमा कर सकते हैं। इसमें 1 साल की अवधि वाले एफडी अकाउंट पर मौजूदा समय में 5.5 फीसदी की ब्याज दर मौजूद है। इसके अलावा 2 साल की एफडी और 3 साल वाली एफडी पर भी 5.5 फीसदी की समान दर से ब्याज मिल रहा है। पोस्ट ऑफिस में 5 साल की टैक्स सेविंग एफडी पर 6.7 फीसदी का ब्याज दे रहा है। ब्याज का भुगतान सालाना आधार पर किया जाता है, लेकिन इसे तिमाही आधार पर कैलकुलेट किया जाता है। पोस्ट ऑफिस में 5 साल की अवधि वाले टाइम डिपॉजिट अकाउंट में निवेश की गई राशि पर इनकम टैक्स एक्ट, 1961 के सेक्शन 80C के तहत बेनेफिट मिलता है.
ऐसे करें कैलकुलेट
यानी अगर कोई 1 लाख रुपये की जमा से 5 साल मैच्योरिटी पीरियड वाला टर्म डिपॉजिट खुलवाता है तो 6.7 फीसदी सालाना की ब्याज दर के हिसाब से 5 साल बाद वह 1,39,407 रुपये का मालिक बन जाएगा। अगर आप टाइम डिपॉजिट स्कीम (Time Deposit scheme benefits) में पैसा लगाते हैं और आपको 6.7 फीसदी की दर से ब्याज मिलता है तो आपका पैसा डबल होने में करीब 10.74 साल यानी 129 महीने लगेंगे।
कौन कर सकता है Time Deposit स्कीम के लिए अप्लाई?
इस स्कीम में कोई भी सिंगल व्यक्ति अपना खाता खुलवा सकता है। इसके अलावा इसमें 3 अडल्ट मिलकर ज्वॉइंट अकाउंट (Time deposit Joint account) भी ओपन करा सकते हैं। वहीं, 10 साल से ज्यादा उम्र के बच्चों के नाम पर पैरेंट्स अकाउंट खोल सकते हैं।
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