Post Office Saving Schemes 2021: Check RD/FD Rates, Features & All Details

Post Office Savings Schemes 2021 :- Yadi aap India Post Office Savings Schemes 2021 me apne liye sabse achhi beneficial schemes ki talash kar rahe hai, To hamne aaj ke is post me Post Office ki sabhi Savings Schemes ke bare me puri jankari di hai. Aap sabhi post office savings scheme ke jankari prapt kar ke apne paise sahi aur low-interest vale schemes me paise invest kar sakte hai.

India me aise kai Banks hai jo RD’s and FD’s par low rate of interest pradan kar rahe hai, Lekin aise kai log hai jo Post Office Schemes me apne paise invest karna chahte hai. Isliye, Hamne Post Office ke alag alag Saving Schemes ke bare me puri jankari di hai. Aap sabhi schemes ke bare me jankar apne paise sahi jagah invest kar sakte hai.

India Post Office ne Year 2021 ke liye sabhi sabhi Savings Schemes ki list jari kar diya hai. Hamne sabhi Post office savings schemes ke bare me jankari diya hai. Iske alava savings account, Public Provident Fund, Fixed Deposit and Recurring Deposit ke bare me bhi pura details share kiya hai.

Post Office Saving Schemes 2021 – Full Details

India Post Office Saving Schemes me koi bhi apna account khol sakta hai. Post office saving scheme me paise invest karne vale sabhi depositor ko yah dhyan rakhna hota hai ki Post office me account keval cash mode me khola ja sakta hai. Aap sabhi ko Post office me account kholne se pahle in main points par dhyan rakhna chahiye.

Post Office me ek single holder/ person, minor ke sthan par koi guardian, 10 Year se upar koi minor aur Do vyaktio ko milakar ek joint account post office saving schemes me khol sakte hai.
Aapke account me minimum balance Rs 500/- maintain rakhna hoga, Yadi minimum amount maintain nahi rakhte, To aapke account se Rs 100/- kat liye jayenge.
Aap ATM Card ke jariye bhi apna account operate kar sakte hai, Iske alava cheque transactions bhi valid hai.
Ek jagah sirf ek hi account khola ja sakta hai, Lekin ha account transfer kiya ja sakta hai.
Iske sath hi Post office Saving account 2021 ke sath mobile facility bhi available hai.

Post Office Saving Schemes 2021 Interest

Post office dwara apne sabhi Saving Schemes par interest 4 % per annum hai. Iske alava aapke account ko operate karne ke liye Minimum balance Rs 500/- maintain karna hoga. Iske sath hi 3 financial years me, Account ko ek bar operate kiya jana chahiye.

Aap niche sabhi Post Office Saving Schemes ke bare me puri jankari prapt kar sakte hai. Niche hamne total 8 Savings schemes ke bare me puri details share kiya hai. Aap apne fayde ke anusar savings scheme me paise invest kar sakte hai.

Types of Post Office Saving Schemes 2021

Aap sabhi Bhartiye nagrik Post Office me ye accounts khole ja sakte hai :-

1. Time Deposit Account – Post Office TDA 2021

->> Is Savings schemes me yah account four categories ke logo ke dwara khola ja sakta hai. Iske account me interest rate Yearly base par badlta rahta hai.

->> Is Account ko kholne ke liye Minimum balance Rs 1000 /- hone chahiye. Pahle 3 financial year ke liye, Interest rate 5.5% aur Fifth year ke liye, badhkar 6.7% ho jati hai.

2. Post Office RD Recurring Deposit Account 2021 ( Term 5 years)

->> Post Office RD Recurring Deposit account par pradan ki jane vali interest rate 5.8% hai. Interest rate annually calculate kiya ja sakte hai.

->> Iske sath hi, RD nomination facility bhi available hai. RD me har mahine minimum balance Rs 100/- jama karne hote hai Ya fir yah amount 10 ke multipy me jama kiya ja sakta hai.

3. Post Office 2021 MIA Monthly Income Account

->> Is Post office savings schemes me kai prakar ke account kai post office me operate kiya ja sakta hai. Sabhi account me deposit amount ko jodne par 4.5 Lakh honi chahiye.

->> Yadi koi vyakti minor hai, To use apne naam se account badlana hoga. Iske sath hi aapko yah bhi bata den ki is account ka maturity Monthly Income 5 years hai.

4. Post Office SCSS 2021 Senior Citizen Saving Scheme

->> Ek aisa senior citizen (60 years and more) aur 55 years ya usse adhik age ka vyakti, Jo VRS lekar retire hua hai. Ve is savings schemes me apna account khol sakte hai.

->> Is Senior Citizen Saving Scheme ki maturity 5 Years hai. Is account me 1 Lakh Cash deposit kiya ja sakta hai. Lekin isse adhik cash deposit keval Cheque se hi kiya ja sakta hai.

5. Post Office KVPA 2021 Kisan Vikas Patra Account

->> Yah Kisan Vikas Patra Account ek vyakti, ek minor ke guardian aur ek mentally unsound person ke guardian dwara operate kiya ja sakta hai.

->> Is scheme me 3 logo ko milakar ek hi joint account khola ja sakta hai. Is scheme me Kisan Vikas Patra certificate passbook ke rup me diya jata hai.

6. Indian Post Sukanya Samridhi Account 2021

->> Is Sukanya Samridhi Scheme me account 10 Years tak ke balikaon ke liye khola jata hai. Is scheme me girl’s guardian ke dwara operate kiya jata hai.

->> Sukanya Samridhi account me Rs 250/- minimum amount deposti karni hogi. Is account me account kholne ke liye date se 15 Years tak deposit possible hai.

7. Post Office PPF Account Public Provident Fund 2021

->> Post Office PPF me pradan ki jane vali interest rate 7.1% hai. PPF account me minimum Rs 500/- aur maximum Rs 1 Lakh amount deposit kiya ja sata hai.

->> PPF account puri tarah se taxes free hai, Isme joint PPF account nahi khole ja sakte hai. Account ki maturity 15 years hoti hai, Jise 1 Year aur badhaya ja sakta hai.

Post Office Saving Schemes 2021 Interest Rates Table

Type of Savings Account	Minimum Deposit Value	Maximum Deposit Value	Rate of Interest Per annum
P.O. Savings Account	500 Rupees	No Max Value	4%
RD	100 Rupees	No Max Value	5.8%
P.O. Scheme of Monthly Income	1000 Rupees	9 lac rupees ( For Joint account)	6.6%
Kisan Vikas	1000 Rupees	No Max Value	6.9%
P.P.F	500 Rupees	1.5 Lac per year	7.1 %
Sukanya Samridhi	250 Rupees	1.5 Lac per year	7.6%
Senior Citizen’s Saving Scheme	1000 Rupees	15 lac	7.4%

How To Open a Post Office Saving Account 2021: Step-wise Process

Yadi aapne upar di gayi sabhi Savings Schemes ke bare me jankari prapt kar li hai, To aap niche diye stesp ko follow karke un scheme me apna Account khol sakte hai :-

Apne najdiki “Post Office” visit karen.

Ab vaha se “Saving Account Form” open kare, Yah form online available hai.

Ab apna KYC documents submit kar den.

Aapke saving account kholne ke liye Rs 20/- ka charge liya jayega.

Ek single holder ke liye 1 Lakh /- max. amount limit hai. Aur Joint account ke liye 2 Lakh /- max. amount limit hai.

Important Links To Open Post Office Saving Scheme 2021

Post Office Savings Account 2021 Link (SB)	Click Here To Apply
National Savings Recurring Deposit Account 2021 Link (RD)	Click Here To Apply
National Savings Time Deposit Account 2021 Link (TD)	Click Here To Apply
National Savings Monthly Income Account 2021 Link (MIS)	Click Here To Apply
Senior Citizens Savings Scheme Account 2021 Link (SCSS)	Click Here To Apply
Public Provident Fund Account 2021 Link (PPF )	Click Here To Apply
Sukanya Samriddhi Account 2021 Link (SSA)	Click Here To Apply
National Savings Certificates 2021 Link (VIIIth Issue) (NSC)	Click Here To Apply
Kisan Vikas Patra 2021 Link (KVP)	Click Here To Apply

Post Office Low, Medium & High Risk Category Documents Required

Low-Risk Category	Medium Risk Category	High-Risk Category
Photo Id	PAN Card	PAN Card
Aadhar card	Aadhar card	Aadhar card
Bank Passbook	Bank Passbook	Bank Passbook
Ration Card	Ration Card	Salary Slip
Electricity Bill/ Telephone Bill	Electricity Bill/ Telephone Bill	Voter Id
Voter Id	Voter Id	Passport
Passport	Passport	Identity Card( of Central Govt.)
Passport Sized Photos	Passport Sized Photos	Letter by UIDAI and passport sized photos.

Aap sabhi Bhartiye nagrik is prakar Post Office Saving Schemes 2021 ke tahat apna Account open kar sakte hai. Yaha hamne post offce ki sabhi sabhi Schemes ke bare me puri details share ki hai.

Yadi aapke paas abhi bhi Post Office Scheme se related koi question hai, To aap apna saval hamse niche comment box me puch sakte hai.

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