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What is PPF Account | Public Provident Fund explained in Hindi | PPF withdrawal and investment rules

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PPF or Public provident fund scheme is a very popular retirement planning scheme offered by the Government. PPF account has many advantages in retirement planning and this video will explain everything about public provident funds in simple Hindi language.
The video will cover the following topics
1) what is the Public Provident fund or PPF
2) PPF account interest Rate
3) PPF withdrawal Rules
4) PPF account benefits
5) How to open a PPF account
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Опубликовано:

6 сен 2024

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Комментарии : 3,4 тыс.

@pranjalkamra 4 года назад

A mistake in the video between 6:18 - 6:50 i have said you don't have to pay interest, what i meant was you don't have to pay tax. Correct position - 1. PPF ki earnings pe tax nahi bharna 2. FD ki earnings pe tax bharna hai

@kunwar1679 4 года назад

Sir apka kitna corpus hai total money?

@100ecesudhanshuranjan7 4 года назад

Sir please translates your book in hindi please reply

@100ecesudhanshuranjan7 4 года назад

Sir please translates your book in hindi please reply kb tak aayega

@rajm8682 4 года назад

@@kunwar1679 hahaj

@nupthote262 4 года назад

What's better to do monthly installment before 5 of every month or Lumpsum once in year(By making RD of same every month) for better intrest rate..please suggest

@pinakisahoo9260 4 года назад

I am not coming under the tax budern, but I already opened this account in postal since from 2 yr. . Yes I already know the rules before, but the things today I know from you are the complete information. So thanku sir.

@rakeshpenni 3 года назад

Great knowledge brother, going to open PPF account next month because i am salaried but pf not cut from company so i was looking the best saving plan and got the perfect knowledge from you thank and god bless you dear

@janhavimhatre921 9 месяцев назад

Jitne bhi ppf pe videos dekhe usame sabse best video.. Thanks

@sumitmakhija9979 4 года назад

Very nice info. Me and my wife both have ppf accounts and will continue 1.5 lkhs per annum in both accounts uptil we are 60. At the age of 60 I’ll have a great amount at maturity and that too free from any tax . It’s the best investment scheme for long term. Compounding has its magic when u remain invested for long. Ppf is best 👍🏻

@up2660 2 года назад

Chicha kisi ne pucha kya tumse 🤣🤣

@sumitmakhija9979 2 года назад

@@up2660 chicha ek saal pehle likha tha tanne aaj dekho 😂

@siddhishreejalifestyle9467 2 года назад

Sir can we increase the deposit amount after 2 or 3 years. Suppose I open ppf account with monthly 2000 rupee, can I increase it to 3000 per month next year?

@ranjit3raj 2 года назад

@@siddhishreejalifestyle9467 yes we can invest different amounts every year according to our budget

@eshimabhalla2419 2 года назад

Please let me know if my calculations is right. If i invest 2000 every month 24k yearly. 24000*180= 4,320,000 will be the amount excluding tax??? Please answer

@jigneshjoshi3362 4 года назад

I already having a PPF aacount and also getting great awareness about this scheme. But After watching your video i very clear about PPF.

@growwithwealthnation7403 2 года назад

This guy educated me more than my entire schooling and college.

@IndianBoy77 Год назад

Up,bihar me rehta hai kya

@kaushamvisingh Год назад

@@IndianBoy77 😢yep banaras

@vaibhavpatil3672 Год назад

@@IndianBoy77 😀😀

@Airops-td4qs 10 месяцев назад

@@IndianBoy77Anpadh up Bihar walon ko English nhi aati. Itna nhi pata tujhe

@Rishi23399 8 месяцев назад

@@IndianBoy77Same situation of whole India.. Not few particular states

@chaitanyaagrawal 4 года назад

Best stock market teacher. Your Stock market classes series are very up-to-the-point. No nonsense. Never seen these type of videos on youtube. We should thank you for providing actual paid material for free. Love you bhai ♥️

@govindbhai2313 2 года назад

Bnn

@rakeshjoshi6681 4 года назад

Small correction. Interest on PPF is tax free and withdrawal of lumpsum amount is also not taxable. You have used interest free instead of tax free. All other info well and good. 👍🏼

@poojakherwar9253 Год назад

You are the best teacher in financial education.... Thanks a lot for your all knowledgeable information.... 🙌

@ketanmaurya779 3 года назад

Your explanation and details are much better than others

@trilokkanyal8995 2 года назад

Very well explained,. I am already PPF account holder since long time, still I learnt many things through this video,. Thanks a lot,. Very good job, keep it up

@laxidhir2672 2 года назад

Hi, can you tell if we can open our PPF account online from the bank website. Is it compulsory to visit bank or post office to open the account?

@akrphysicaltraining 3 года назад

Thank you so much sir for ur valuable information. I am a government servant. This information is very useful to me

@NikhLogic 4 года назад

One of the best videos I've watched on PPF. Well structured and easily explained.

@harikrishnachandaluri5221 3 года назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-d821wyXMe7Y.html

@weextinctin8338 4 года назад

I'm regular viewer and I'm 17yrs old boy who started investment , influenced by you . You are my guruji 😄 ek din aapse aake jaroor milunga ..🙏🙏

@harshthanvi 4 года назад

Start passive investment in index funds research karo mutual fund se 100% best option hai. And only and only index fund ka investment kaafi hai.

@weextinctin8338 4 года назад

@@harshthanvi mere khud ka portfolio hai

@kunwar1679 4 года назад

@@weextinctin8338 mai 15 years ka hu I am learning stock market since 3 months

@kunwar1679 4 года назад

@@harshthanvi we should also have mutual fund in our Portfolio

@weextinctin8338 4 года назад

@@kunwar1679 tumahre parents bhi na share market ko gambling samjhte hai na

@sudipde5966 3 года назад

After listening this video, I have great interest for other interesting saving schemes. Illustrations are very clear to all. Waiting eagerly for other schemes.

@viddy515 4 года назад

Paying before 5th of every month is super cool tip. Thank you.

@ramesherrabolu1590 3 года назад

thanks for explaining PPF. It would have been helpful if you had used some charts to explain how the scheme would have worked given the fact that this scheme was operational for many decades now. For example how would someone who opened a PPF in 2000 see his account value. Also it would have been helpful to see the difference in account value if the investment was committed by the 05 of the month

@sunilchougala6831 4 года назад

Sir Thanks for providing the detail Knowledge Of PPF , & suggestion of paying on or before of 5th of every month... It's vary valuable & helpful Sir...... Thanks once again for your valuable support....mm

@mr_sarks 4 года назад

My goodness... 🙆🏻‍♂️ I was about to search for PPF details but coincidentally I found your video in my 2nd recommendation video 😀

@genglobalplatforms 3 года назад

Power of Artificial Intelligence & machine Learning.

@nikhilsurange6674 3 года назад

Considering Inflation rate, is it worth investing in ppf? And to get inflation beating returns how much we should invest?

@arkadas1993 4 года назад

The last bonus point about putting the money before 5th of every month is really really HELPFUL... Thank you

@arpitsaxena108 4 года назад

Thanks Pranjal, I do have a PPF account, but didn’t aware much abt it. Thanks for making this vedio

@Chucklevision12 3 года назад

Yogesh Joshi: @letsmakeitogether Bro join this group free of cost.basicaly this is group of scalping in stock option where we took only 0.50 paisa to 1 rupee because of lot size is big First see our trade for 5 days of you like then take

@surajbhagat651 3 года назад

@@Chucklevision12 is it a telegram group?

@harikrishnachandaluri5221 3 года назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-d821wyXMe7Y.html

@nishantkumarsharma2548 3 года назад

Way of explanation is very fine...everything is crystal clear

@ps.15_ 4 года назад

Thank you pranjal SIR BUT PLS MAKE A NEW VEDIO ON NPS & OTHER BEST SAVING SCHEME PLS SIR🙏💛

@easyfun1800 4 года назад

What a honest person love you ❤️

@ravinderrawat6244 3 года назад

बहुत महत्वपूर्ण जानकारी के लिए बहुत बहुत धन्यवाद🙏

@akshyakumar.4227 4 года назад

I allways hit the like button before watching bcz i know that some new thing is going to learn today.

@Raja-up6yv 3 года назад

Sir, as per new rule one can withdraw money after completion of six years, and not after five years. One can not withdraw 50% of the balance amount, but it is 50% of the 4th year back from the preceding year.

@girishsharma6595 3 года назад

your content is very rich. love your videos and work. simple straight and on point.

@sanny87100 4 года назад

Sir, aaj aapko Zee Business par dekh kar dil khush ho gaya 😊

@kiyarasharma4050 3 года назад

Please give analysis on investing in PPF and investing in mutual fund which one is best for longer term. PPF Features well described in this video.

@AnkitKrsingh08 3 года назад

You should go for both.. You dont have to Pay tax for PPF interest and u will get Tax relaxation also. For High return(with risk) you should definitely go for Mutual Fund.

@rajendramali5988 3 года назад

I like your all video.. aapke video muje bahut hi acche tarh samj aate h ..bcoz aap acchi tarh se details me samjate ho😊

@santoshpiyamail 4 года назад

Lovely explanation, really enjoyed as always, Im good in the Financial literacy now.

@vishalsamnani2109 4 года назад

My like on this video was for the interest increasing trick shared in the end. 👍😊

@therevolution1615 3 года назад

Such a wonderful teacher, how could one be so effective... Big salute, how beautifully you explain everything...🙏🙏👍so helpful Sir🙏

@pranjalkamra 3 года назад

Thank you! 😃

@subhashrajput7829 2 года назад

Loan par interst rate kitna hai....

@LongWay2G0 3 года назад

Thanks for making this very informative video, you have covered all the points for PPF in easy language. Cheers!

@pranjalkamra 3 года назад

Glad you liked it

@jyotikumar4002 2 года назад

@@pranjalkamra sir mai govt employee h mera nps me account h kya mai ppf account khol sakta dono ek sath

@amarshiwankar1995 2 года назад

@@pranjalkamra and

@rohinisingh6425 5 дней назад

What wonderful video!!! 🎉🎉🎉 Very well explained absolutely amazing!!

@saffanvohra3436 4 года назад

Ur honesty is ur success... ❤️

@cajainshubh 3 года назад

Very informative video. Just need one correction - there is a cap on maximum investment in a FY. One can't deposit more than 150k in one FY.

@rohanshinde5287 2 года назад

He has mentioned that

@user-ne1qu7rl8p 3 месяца назад

He said we can invest>1.5L also, which is wrong. There is a Max cap.

@R.c.turning_2337 2 года назад

Sirji aap bht acche se samjhte ho...mazaa aa gya..mene to sabse subscribe kra Diya

@R.c.turning_2337 2 года назад

Sirji konse bnk se krau main ppf

@stayhealthy9125 2 года назад

@@R.c.turning_2337 sbi theek hai, baaki jisme saving account hai usne karwa lo. Net banking se ppf bhi link ho jayega

@harshthanvi 4 года назад

6:15 Mistakes corrected. Ppf ke interest pe tax nahi bharna And FD ke interest pe tax bharna hai

@vishalshaw9387 4 года назад

Right

@manishmishra7610 3 года назад

Right

@SuperSantoshMore 4 года назад

I know most of the details related to ppf however I saw ur video notification and saw this video. And trust me I got many other details those i was not aware of. very useful video.

@dhruvsharma3389 2 года назад

seriously most comprehensive explanation of ppf so far i have seen :):):)

@5123karan 2 года назад

Investing in PPF has been one of the greatest decisions of my life.

@bhaskardutta4052 4 года назад

Every point well explained.

@rmugade 3 года назад

sir, you are extraordinary teacher. very simplified way.

@sidmahagreat 4 года назад

Very informative. Can you please also share your views on NPS v/s PPF. I am sure, this would be a doubt in lot's of subscribers' mind. Thanks.

@SS-yk8df 3 года назад

What a video.. cut to cut information.. you got a subscriber bro.. 👍

@remarkableproremodelingcha8802 2 года назад

Aapne bataye baki information ke liye thank you so much sir 💖

@manishankar1779 3 года назад

you talked about how we can get the extra interest by depositing the amount before 5th of every month. That was nice but will I get this benefit if I am depositing the amount once in an year.

@manishsayankar2690 3 года назад

Infact u get the max interest when u deposit the entire 1.5 lacs before 5th April

@shilpa6877 3 года назад

the last trick you mentioned. always wondered if its true. my understanding is if you pay before 5th its gonna contribute to current month if after 5th its gonna contribute to next month. does it make a difference. If it does make a difference it should be minute amount like one month interest or so right?

@sudipde5966 3 года назад

Really, explanation is very very clear. Thank you so much.

@pranjalkamra 3 года назад

Glad it was helpful!

@destinator23 4 года назад

Beautiful as always sir🙏 Please make videos on bonds and how to select attractive bonds with pros and cons , how to invest etc etc Thank you!

@bhuvan1787 3 года назад

Your content is really good sir 🙏👏✌️

@revinderkaur2856 3 года назад

I hope. In this vedio is very benefit able to all Taxpayers.

@commutewithsrikant 4 года назад

Sir thank you. great teacher. my all about finance management taught from you..make ticker apk.

@rishabhraj4293 3 года назад

Yes please

@subratadey667 3 года назад

Yes... Much required.

@manojkolhe2384 3 года назад

Thanks, Sir 1 question if I open PPF and NPS account from ICICI bank do they have any maintainence charges to maintain my PPF and NPS if yes how many do they charge

@safarsufiyana1 Год назад

Thanku so much batane ke liye mujhe to kuch nahi pata tha bas PPF chalu kar li thi

@bhupenhazarika5077 3 года назад

Very good information. I would like to know whether NPS holder (govt employee with nps plan) can open a ppf account or not. Please let me know.

@akshaymahajan5383 3 года назад

Yes they can. One can open both NPS and PPF. Both are different schemes

@vinayakp9981 3 года назад

Yeah of course they can open ppf in parallel nps ...

@Supporter_Jay_pro_harsh 3 года назад

I have not only nps account but also ppf account. I am a Highschool teacher.

@abshar5 4 года назад

This is not correct that during the extended period of 5 yrs, one can withdraw the entire amount. It's possible only at the "end of the extended period of 5 yrs", in April.

@VenuGopal-tt3ee 3 года назад

Is it so? Can you please explain?

@rahulkumar-nk1pp 3 года назад

Very informative bro..thanks for ur clear cut information

@pranjalkamra 3 года назад

Thanks and welcome!

@harshgandhi7848 4 года назад

Sir mera 1 questions hai.... Shares mein compounding intreste kese lagta hai... Sir please is par 1 video.... Sir please.... 😊👍🙏🙏🙏🙏

@itsboyshubham 4 года назад

Search on google ppf calculation u can calculate according to ur monthly sip in ppf account.

@Daisy-lh5xk 4 года назад

Very well explained

@princechaudhary982 Месяц назад

❤❤

@artisingh546 2 года назад

Thank you for information

@mohammadrizwannatyansh8716 3 года назад

Brother you are doing really a great work and efforts for us. I have a request, please make a detailed video for Postal Life Insurance ( PLI & RPLI) it will be very beneficiary for Small investors and villagers 😇😇

@ppushkar1993 Год назад

Are you from post office?

@first9292 4 года назад

SEBI के नये Rule explain करो ना आसान भाषा में सर 🙏

@gopalbisht8505 2 года назад

Very nice information sir thanks

@sagardam2989 4 года назад

Best bank account described by the best teacher. I opened this when I was 19. For long term it's a very very very good (and safest) choice. Still some little information was unknown to me. Thank you Pranjal Sir. One question: You've told that for more than 150000/- in a year is not tax beneficial. Is it on the whole amount or the extra than 150000/- for that year?

@rohithsh007 3 года назад

whatever you pay more than 1,50,000/-, only that will be taxable. For e.g., if you would have paid 2,00,000/-, then only for 50,000 will be taxable and 1,50,000/- will be tax exempted. Hope this helps

@nithin32166 2 года назад

@@rohithsh007 but will it give Interest on that exceeded amount ex. Here on 50,000 ?

@hrdiaries1332 3 года назад

Impressive how you cleared everything.

@MadhavS9045 2 года назад

Everytime i watch a new video, i am blank about the topic but end up having so much knowledge that i can educate anyone.. Thanks 🙏

@drkamalbhardwaj2786 2 года назад

Bhai I really liked your comprehensive and extremely simplified in-depth analysis ….. The best part was you asked for the like the video part towards the end…. No question remains unanswered ….Really happy….Have liked and subscribed too….. would even love to be a part of your channel for life

@pranjalkamra 2 года назад

Thanks a ton!

@amanmurarka8666 4 года назад

Sor u explained every topic very well and interactiveway, as student it is very beneficial in this time of pandemic👍

@tashupreet3920 3 года назад

If a person die before maturity then how that deposited fund can be redeemed immediately or after that term ends

@nikhilnishanimath6560 3 года назад

It can be redeemed by the person who has been nominated. The nominated person can directly approach bank and claim it

@apscoinscurrenciesmore7599 4 года назад

Awesome video 🙌🌷good explanation about the features and various aspects of ppf 😎👍

@pranjalkamra 4 года назад

Glad you liked it!

@sheldonhomes23 4 года назад

@@pranjalkamra Can the deposit amount be varied? Like if I invest 50k this year, can I invest 30k next year, 20k the year later Or The yearly amount cannot be changed? It shld be 50k every year? I am not talking abt the minimum deposit but the initial deposit from which I had started 50k, can that be varied?

@parthapratimthakuria9857 4 года назад

@@pranjalkamra sir why your website finology ticker shows Reliance industry's debt 2lac coror when it's become bebt free company..... Please update it

@humaali4636 Год назад

Thanks alot pranjal, It was super helpful for me. Specially u cleared my long time doubt of "What if there is a gap in paying amount i.e not able to pay large amoung for a certain year in between?" I am relieved to know this. Thanks again 😊

@gamedeepak1 4 года назад

First withdrawal is on 7 th year... On 50% of outstanding amount of 5th year

@vasuchauhan9723 4 года назад

What is ATAL PENSION SCHEME? NATIONAL PENSION SCHEME? PUBLIC PROVIDENT FUND? GPF ?

@navjotchahal8149 2 года назад

Very nice video everyone should try

@deepshikhabhatt9401 4 года назад

Sir very insightful video.. have one question.. Monthly installments ke lye aapne bataya to pay within 1-5 days of every month. But if am paying once in 3 or 6 months, then is there any timeline to pay this amount?

@maheshpandya1398 2 года назад

In any condition, you have to pay on or before 5th of that month to get the benifit of intrest for that month

@vishalmuthal5780 4 года назад

Hi Pranjal, I like your videos on all the financial matters. Thanks for keeping the content so simple and useful. In regards to the PPF I've a question. -- I've daughter and I opened the Sukanya Samridhi Account for her already. Now in this video you said we can open an PPF account for minors as well. Now, can I also open for my daughter as well as she already has Sukanya Samridhi Account in her name and also do banks require PAN cards for the kids?

@Dave_en 4 месяца назад

only one can be opened for an individual. For girl child sukanya samriddhi is better option.

@saumenvidyarthi 4 года назад

The most important thing of higher (compound) interest earning has been missed

@harikrishnachandaluri5221 3 года назад

ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-va8N0332188.html

@thechinmoydeka 4 года назад

Will the interest earned vary if we choose yearly over monthly?? The point that you mentioned about depositing before 5th of every month. What will happen if we do it once in a year??

@RajeevKumar-jb6om 4 года назад

Yes it will earn more interest if you deposit whole amount on or before 5th of april...

@mjvlog4727 4 года назад

@@RajeevKumar-jb6om if I open a ppf account today..then will it be calculated as one year till march 31/2021.(the end of a financial year)?

@RajeevKumar-jb6om 4 года назад

No@@mjvlog4727 It will around 7 months interest you will get.

@hariomkumar0303 Год назад

मैं 23 साल से शुरू कर दिया हूं इन्वेस्ट करना ppf account में और lic में ।जय माता दी❤🙏🏼

@rameshahir4735 2 месяца назад

Lic me monthly kitna bharte Ho aap

@rameshahir4735 2 месяца назад

Ppf account online khula tha ki post ki beach me ja ke

@hariomkumar0303 2 месяца назад

@@rameshahir4735 lic se achha hai sip

@rajatjain3043 4 года назад

Insightful as always 😍

@user-qc7lh4je7b 3 года назад

कन्या की तरह पीपीएफ में पैसे कभी भी जमा करो 1 साल में गुल्लक की तरह कभी पास जो कभी अगले महीने 811 दिन

@shachipriyasinha2273 2 года назад

I put in Rs.1,50,000 in April every year. Rest of the year I do not put in any more money in my PPF account. Is that ok to do or should I put in the money in monthly installments? Which one is better?

@dmeena92 2 года назад

Well it’s up to u If u invest in ApR that well n good u get Intrest benefit from starting ,if monthly get benefit by subsequently investment every monthly

@souravbhattacharyya1849 4 года назад

Sir many times you have mentioned PF instead of PPF. This will create confusion to many. Generally PF is used for EPF.

@nupthote262 4 года назад

What's better to do monthly installment before 5 of every month or Lumpsum once in year(By making RD of same every month) for better intrest rate..please suggest

@map-creator 4 года назад

suppose you have opened PPF account on April 2020. Make a lump sum deposit of 1,50,000. Then invest in RD till March 2021. Then again on before 5th April 2021, make the lumpsum deposit. In this way, you will get both RD and PPF interest.

@MyFraggi 4 года назад

@@map-creator what is RD?

@nupthote262 4 года назад

@@MyFraggi Recurring Deposit

@MyFraggi 4 года назад

@@nupthote262 so, does RD give higher interest rate than saving and FD, so u put your amount in RD for your next PPF instalment...

@madhusaxena1617 4 месяца назад

Namaste sir very nicely explained. No confusion and doubts. Very clear video. Thanks.

@sanjay_cwa 5 месяцев назад

बहुत ही अच्छी जानकारी दी है आपने। मेरा एक सवाल है कि क्या पति और पत्नी अलग अलग पीपीएफ अकाउंट खुलवा सकते हैं, जबकि पत्नी हाउस वाइफ है।

@anuragdas239 3 года назад

Can we increase the PPF installment later in future.... As we can open only one PPF account

@Sbjworld 3 года назад

Pls confirm ? Can we increase ppf contribution

@Renukank 3 года назад

If I die in between policy, when can my nominee gets money, after maturity or on my death?

@MrOpthakur 3 года назад

The nominee can withdraw the money if the account holder dies before the maturity of the PPF account. Also, the condition of completing 5 years of the account gets rejected in such a situation. It means the PPF account is closed after the death of the account holder. The money is given to the nominee or legal heir. The same account is not allowed to continue.

@darjikishan3803 2 года назад

Please make video on ppf vs insurance skim Ppf agar return ghat gaye to kya hoga jabki insurance me vo fix he

@anujmourya7471 2 года назад

Sir jo defence service me jaise Army, navy, State police unka ppf shayad date of joinning se he govt. Already cut krti h, to kya aise logo bhi post office me ppf scheme le skte h..

@basantchandola2116 2 года назад

Yes

@Prerakagrawal1989 4 года назад

Hi Pranjal, Thanks for the amazing explanation During the video, you mentioned that there is no upper cap of investment per annum in PPF account, however the amount invested beyond 1.5lac will not be tax exempted. Does the same applies on the interest earned on that excess? Would you be kind enough to share a short calculation video, say if you invest 1 lac for the first 10 yrs and about 2 lacs in the last 5 years, how would the ppf corpus be evaluated for taxes?