PPF Khata Mature Hone Par Kya Karein? Top 3 Options in Hindi

Public Provident Fund (PPF) ek lokpriya lambi avdhi ki bachat yojana hai jo 15 saal ke baad mature hoti hai. Jab aapka PPF khata mature ho jata hai, toh aapke paas apne paiso ke saath aage badhne ke liye kai vikalp hote hain. Yeh article aapko yeh samajhne mein madad karega ki aapko kya karna chahiye, sath hi yeh SEO-friendly aur bilkul original hai, taaki aap isse apne blog ke liye aaram se use kar sakein.

PPF Khata Mature Hone Par Kya Hota Hai?

PPF khata 15 saal baad mature hota hai, aur is dauraan jama kiya gaya paisa aur uspar mila byaj poori tarah se tax-free hota hai. Maturity ke baad aapke paas teen mukhya vikalp hote hain:

1. Poora Paisa Nikal Lein

Agar aapko apne PPF khate ke paiso ki zarurat hai, toh aap maturity ke baad poori rashi (jama paisa + byaj) nikal sakte hain. Yeh ek lump-sum payment hota hai jo aapke bank khate mein jama ho jata hai.

Kya karna hoga?

• Form C bhar kar apne bank ya post office mein jama karein.

• Apni PPF passbook aur KYC documents (jaise Aadhaar, PAN card) saath le jayein.

• Yeh process simple hai aur aapka paisa jaldi transfer ho jata hai.

Fayda: Yeh vikalp un logon ke liye best hai jo apne invest kiye hue paiso ka upyog abhi karna chahte hain, jaise ghar khareedna ya koi bada kharcha.

2. Khata Bina Naya Jama Kiye Badhayein

Agar aap abhi paisa nikalna nahi chahte, toh aap apna PPF khata 5-5 saal ke blocks mein badha sakte hain, bina koi naya paisa jama kiye. Ismein aapke purane jama kiye hue paiso par byaj milta rahega.

Key Points:

• Har 5 saal ke block mein aap ek baar limited rashi nikal sakte hain.

• Byaj ab bhi tax-free rahega, jo ek bada fayda hai.

• Iske liye koi formal application ki zarurat nahi hoti, agar aap koi action nahi lete toh khata automatically extend ho jata hai.

Kaun chune?: Yeh vikalp unke liye accha hai jo apne invest kiye paiso ko aur badhana chahte hain bina naye paisa daale.

3. Khata Badhayein aur Naya Nivesh Jari Rakhein

Agar aap PPF mein aur nivesh karna chahte hain, toh aap khata badha kar naye paiso ka nivesh jari rakh sakte hain. Iske liye aapko maturity ke ek saal ke andar apne bank ya post office ko inform karna hoga.

Kya karna hoga?

• Form H bhar kar jama karein, jismein aap batate hain ki aap naya nivesh jari rakhna chahte hain.

• Har saal kam se kam ₹500 jama karna zaroori hai, taaki khata active rahe.

• Aap maximum ₹1.5 lakh tak har saal jama kar sakte hain, jaise regular PPF khate mein hota hai.

Fayda: Yeh vikalp un logon ke liye best hai jo lambi avdhi tak tax-free savings aur disciplined investment jari rakhna chahte hain.

Kuch Zaroori Baatein

• Default Extension: Agar aap maturity ke baad koi faisla nahi lete, toh aapka khata automatically 5 saal ke liye extend ho jata hai, lekin aap ismein naya paisa nahi jama kar sakte.

• Tax-Free Byaj: Chahe aap khata extend karein ya na karein, PPF ka byaj hamesha tax-free rahega.

• Documentation: Hamesha apne documents (passbook, KYC, aur forms) ready rakhein taaki process smooth rahe.

• Bank ya Post Office: Aapke PPF khate ka management aapka bank ya post office karta hai, isliye unke specific guidelines check karna na bhoolen.

Kyun Hai PPF Ek Shandaar Vikalp?

PPF na sirf tax-free returns deta hai, balki yeh ek safe investment bhi hai jo government dwara supported hai. Iske flexible maturity options aapko apne financial goals ke hisaab se faisla lene ki aazadi dete hain. Chahe aap paisa nikalna chahein, khata extend karna chahein, ya naya nivesh jari rakhna chahein, PPF har situation mein ek reliable option hai.

Ant Mein

PPF khata maturity hone par aapke paas apne financial needs ke hisaab se faisla lene ki poori flexibility hai. Apne goals aur current situation ko dhyan mein rakhte hue upar diye gaye vikalp o  mein se chun sakte hain. Agar aapko bank ya post office ke process mein koi confusion ho, toh unke customer service se baat karein ya kisi financial advisor se salah lein.