एक बार 4.5 लाख रु करिए जमा, 29700 रु की होगी गारंटीड इनकम

बिना किसी जोखिम के हर महीने गारंटीड इनकम के बारे में सोच रहे हैं तो Post Office MIS आपके लिए बेहतर विकल्प होगा.

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यह स्मॉल सेविंग स्कीम है, जिसमें लम सम जमा करने पर हर महीने गारंटीड इनकम होती है.

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इसकी खास बात यह है कि इस स्कीम में निवेश पर बाजार के उतार-चढ़ाव का कोई असर नहीं होता है.

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इस स्कीम का लाभ पाने के लिए आपको सिर्फ अकाउंट में सिर्फ एक बार निवेश करना होता है.

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इसकी मैच्‍योरिटी 5 साल की होती है. यानी, पांच साल बाद से आपको गारंटीड मंथली इनकम होने लगेगी.

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मैच्योरिटी के बाद उसे 29,700 रुपये सालाना की इनकम अगले पांच साल तक होगी. यानी, हर महीने आपको 2475 रुपये मिलेंगे.

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पोस्ट ऑफिस की MIS स्कीम पर अभी 6.6 फीसदी सालाना ब्याज मिल रहा है.

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अगर एक साल से तीन साल के बीच में पैसा निकालते हैं, तो डिपॉजिट अमाउंट का 2% काटकर वापस किया जाएगा.

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अगर अकाउंट खोलने के 3 साल बाद मैच्योरिटी के पहले कभी भी पैसा निकालते हैं तो आपकी जमा राशि का 1% काटकर वापस किया जाएगा.

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MIS अकाउंट को एक पोस्ट ऑफिस से दूसरे पोस्ट ऑफिस में ट्रांसफर भी कर सकते हैं.

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मैच्योरिटी यानी पांच साल पूरा होने पर इसे आगे 5-5 साल के लिए बढ़ाया जा सकता है.

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2 पासपोर्ट साइज फोटोग्राफ आईडी प्रूफ के लिए आधार कार्ड या पासपोर्ट या वोटर कार्ड या ड्राइविंग लाइसेंस

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एड्रेस प्रूफ के लिए सरकार द्वारा जारी आईडी कार्ड या यूटिलिटी बिल मान्य होंगे.

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यह खाता खोलने के लिए शुरू में 1000 रुपये कैश या चेक के जरिए जमा करना होगा.

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