पोस्ट ऑफिस में खोलें RD खाता- 50 रुपये रोजाना जोड़कर बनाएं 4.3 लाख रुपये, सरकार ने आसान किए नियम
नई दिल्ली. अगर आपने बैंक या फिर पोस्ट ऑफिस में रेकरिंग डिपॉजिट (RD) खाता खोला है तो आपके लिए ये खबर बेहद महत्वपूर्ण है क्योंकि सरकार (Government of India) ने इससे जुड़े नियमों में ढील देने का ऐलान किया है. अगर आसान शब्दों में कहें तो जिन लोगों ने पोस्ट ऑफिस यानी अपने पड़ोस वाले डाकघर में में रेकरिंग अकाउंट (Post Office/Bank Recurring Deposit (RD)) खोला है, वे अब मार्च, अप्रैल, मई और जून की किस्तें 31 जुलाई तक जमा कर सकते हैं. इसके लिए उनसे कोई अतिरिक्त शुल्क नहीं लिया जाएगा. यही नहीं, उन्हें डिफॉल्ट फीस का भी भुगतान नहीं करना होगा. आपको बता दें कि छोटी बचत के निवेश के लिए ये सबसे ज्यादा हिट विकल्प माना जाता है.
आरडी में मिनिमम 100 रुपये महीना भी निवेश किया जा सकता है. यहां आपके जमा पैसों पर तय ब्याज के हिसाब से रिटर्न मिलता है. यह एक छोटी बचत योजना है कि लेकिन इसमें आप अपने रोज होने वाली छोटी मोटी बचत को निवेश कर बड़ा फायदा उठा सकते हैं.
>> रिकरिंग डिपॉजिट ऐसी ही स्कीम है, जो छोटी मोटी बचत को भी प्रोत्साहन देती है. वैसे तो इसकी मेच्योरिटी 5 साल की है, लेकिन आप आवेदन देकर इसे 5-5 साल के लिए आगे भी बढ़ा सकते हैं.
>> अच्छी बात यह है कि इसमें जमा के लिए जरूरी नहीं है कि आपको डाकघर या बैंक की बांच जाना पड़े. आनलाइन भी आप रकम जमा कर सकते हैं.>> इस आरडी स्कीम में आप मिनिमम 100 रुपए हर महीने निवेश कर सकते हैं. इससे ज्यादा 10 के मल्टीपल में आप कोई भी रकम जमा करा सकते हैं.
>> मैक्सिमम जमा राशि की कोई लिमिट नहीं है. दस के मल्टीपल में कितनी भी बड़ी रकम आरडी खाते में जमा की जा सकती है.कोई भी व्यक्ति अपने नाम चाहे जितने आरडी खाते खुलवा सकता है. अधिकतम खाता संख्या को लेकर भी कोई पाबंदी नहीं है. हां, यह ध्यान रहे खाता सिर्फ व्यक्तिगत रूप से खुलवाया जा सकता है, परिवार (HUF) या संस्था के नाम पर नहीं. दो वयस्क व्यक्ति एक साथ मिलकर ज्वाइंट आरडी अकाउंट भी खुलवा सकते हैं.
आसान शब्दों में समझिए- अगर आप रोजाना 50 रुपये बचाते हैं तो आप महीने में 1500 रुपये की सेविंग कर पाएंगे. वहीं, आरडी पर ब्याज 5.8 फीसदी तिमाही कंपाउंडिंग के हिसाब से मिलता है.
>> 5 साल की मेच्योरिटी पर रकम: 1.05 लाख रुपये होती है. वहीं, 10 साल की मेच्योरिटी पर रकम: 2.75 लाख रुपये होती है और 15 साल की मेच्योरिटी पर रकम: 4.3 लाख रुपये होती है.
>> आरडी में सिंगल अकाउंट और ज्वॉइंट अकाउंट दोनों की सुविधा है. 10 साल से ज्यादा उम्र के बच्चे के नाम भी खाता अभिभावक अपनी देख रेख में खोल सकते हैं.आरडी की मेच्योरिटी 5 साल की होती है, लेकिन मेच्योरिटी के पहले आवेदन देकर इसे अगले 5—5 साल के लिए बढ़ा सकते हैं.
>> आरडी अकाउंट में कम से कम 100 रुपये महीना और 10 के गुणक में अधिकतम कितनी भी रकम जमा कर सकते हैं.
>> खाता खोलने के समय नॉमिनेशन की भी सुविधा है.आरडी में पैसे आनलाइन भी जमा कर सकते हैं.
आपको एक अवधि और एक रकम तय करनी होती है.
>> मान लीजिए आपने तय किया कि आप अगले 10 साल तक हर महीने अपने RD खाते में 1000 रुपए जमा करेंगे. एक बार यह तय होने के बाद आपको 10 साल तक हर महीने 1000 रुपए ही जमा करने होंगे. सामान्य आरडी खाते में आप जमा होने वाली रकम में कभी भी बदलाव नहीं कर सकते. ऐसा करने पर पेनल्टी लगेगी.
> फ्लेक्सी रेकरिंग डिपॉजिट: इसमें आपको एक निश्चित समय तो तय करना होगा, लेकिन उसमें जमा होने वाली रकम को आप घटा-बढ़ा सकते हैं.
>> मान लीजिए आपने 10 साल तक पैसे जमा करने का तय किया, लेकिन बीच में अगर आर्थिक स्थिति कमज़ोर हुई, तो आपने कुछ कम रुपया दिया और अगर स्थिति बेहतर हुई, तो रकम बढ़ा सकते हैं.
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