Income Tax बचाने के लिए 5 बचत योजनाओं में ज़रूर करें इन्वेस्ट

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आइए जानते हैं, ऐसी पांच सरकारी बचत योजनाएं, जिनमें निवेश कर आप शानदार रिटर्न तो पा ही सकते हैं, इनकम टैक्स में भी हज़ारों रुपये की बचत कर सकते हैं.

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किसान विकास पत्र (KVP) : भारतीय डाक विभाग द्वारा संचालित यह छोटी बचत योजना निवेश को दोगुना कर लौटाती है. इससे जुड़ी ज़रूरी जानकारी अगले स्लाइड में मिलेगी.

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किसान विकास पत्र
* कहां से खरीदें : डाकघर
* न्यूनतम निवेश : ₹1000
* अधिकतम निवेश : कोई सीमा नहीं
* ब्याज दर : 7.40%
* मैच्योरिटी : 115 माह (9 साल 7 माह)

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राष्ट्रीय बचत पत्र (NSC) : डाक विभाग संचालित यह छोटी बचत योजना पांच साल में ₹1000 को ₹1449 बना देती है. इससे जुड़ी ज़रूरी जानकारी अगले स्लाइड में मिलेगी.

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राष्ट्रीय बचत पत्र
* कहां से खरीदें : डाकघर
* न्यूनतम निवेश : ₹1000
* अधिकतम निवेश : कोई सीमा नहीं
* ब्याज दर : 7.70%
* मैच्योरिटी : 60 माह (5 साल)

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वरिष्ठ नागरिक बचत योजना (SCSS) : सबसे ज़्यादा ब्याज पाने वाली यह योजना सिर्फ़ सेवानिवृत्त भारतीयों के लिए है. इससे जुड़ी ज़रूरी जानकारी अगले स्लाइड में मिलेगी.

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वरिष्ठ नागरिक बचत योजना
* न्यूनतम निवेश : ₹1000
* अधिकतम निवेश : ₹30 लाख
* ब्याज दर : 8.20%
* मैच्योरिटी : 60 माह (5 साल)

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सुकन्या समृद्धि योजना (SSA) : इस योजना पर भी सरकार सबसे ज़्यादा ब्याज देती है, और सिर्फ़ 10 साल की उम्र से छोटी बच्चियों के लिए यह खाता खोला जा सकता है.

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सुकन्या समृद्धि योजना
* न्यूनतम निवेश : ₹250 प्रतिवर्ष
* अधिकतम निवेश : ₹1.5 लाख प्रतिवर्ष
* ब्याज दर : 8.20%
* निवेश की अवधि : 15 साल
* मैच्योरिटी : 21 साल

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पब्लिक प्रॉविडेंट फंड (PPF) : यह सबसे लोकप्रिय बचत योजना 15 साल में मैच्योर होती है, लेकिन इसे 5-5 साल के लिए एक्सटेंड किया जा सकता है.

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पब्लिक प्रॉविडेंट फंड
* न्यूनतम निवेश : ₹500 प्रतिवर्ष
* अधिकतम निवेश : ₹1.5 लाख प्रतिवर्ष
* ब्याज दर : 7.10%
* निवेश की अवधि : 15 साल
* मैच्योरिटी : 15 साल

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पैसा, निवेश, कमाई से जुड़ी अन्य ख़बरों के लिए क्लिक करें

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Income Tax बचाने के लिए 5 बचत योजनाओं में ज़रूर करें इन्वेस्ट

वरिष्ठ नागरिक बचत योजना* न्यूनतम निवेश : ₹1000* अधिकतम निवेश : ₹30 लाख* ब्याज दर : 8.20%* मैच्योरिटी : 60 माह (5 साल)

पैसा, निवेश, कमाई से जुड़ी अन्य ख़बरों के लिए क्लिक करें

वरिष्ठ नागरिक बचत योजना
* न्यूनतम निवेश : ₹1000
* अधिकतम निवेश : ₹30 लाख
* ब्याज दर : 8.20%
* मैच्योरिटी : 60 माह (5 साल)