Post office MIS scheme video link:
• மாதம் ரூ. 9250 பெறுவது எப்படி?Post of...
Post office RD scheme video link:
• 5 வருடத்தில் ரூ.14,27,316/- தரும் RD ...
Post Office Monthly Income Scheme
Post Office Monthly Income Scheme (POMIS) is an investment scheme recognized and validated by the Ministry of Finance. It is one of the highest-earning schemes with an interest rate of 6.6%. The interest in this scheme is disbursed monthly. After opening a POMIS account, individuals can invest a suitable amount based on affordability, which, however, should not be less than ₹1500. It provides low risk and steady income where an investor can deposit every month and get interested of MIS in the post office according to their applicable monthly rate. The income on investment is given by the concerned post office every month.
Features of the POMIS scheme:
Maturity period- The maximum tenure of the Indian post office monthly income scheme is 5 years.Number of holders- At least 1 and at most 3 individuals can hold post office MIS.Nomination- Only the nominee will get all scheme benefits after the investor’s demise. Nominee can be assigned later on after opening an account.Transfer- Individuals can transfer their MIS account in one post office to another anywhere in India.POMIS bonus- Accounts opened after 1st Dec 2011 have no bonus facility. However, those opened before that enjoy a 5% bonus.Taxability- Any income from this scheme does not come under TDS or tax deduction. The post office monthly income scheme tax benefit is zero.
Benefits:
Capital Protection- As the Government backs it, the return is safe.Low-risk Investment- Post office monthly income schemes online have no risk involved in market capitalization.Lock-in Period- A minimum of 5 years is the lock-in period which can be withdrawn after maturity.Affordable Premium Amount- The premium per month is low compared to other schemes and easily payable.Unbeatable by Inflation- Even during inflation, an investor can get income monthly.Multiple Fund Owners- Multiple owners can own one account as joint holders.Ease of Transaction- The transaction of money, including deposits, and withdrawal is very easy.Good for Risk-averse Investors- Post Office Monthly Income Scheme is the best scheme for risk-averse investors who wants monthly income. It is favorable for those looking for long-term investment and regular income.
Recurring Deposit (RD) account is a type of investment account offered by banks and other financial institutions in India that allows individuals to save money regularly and earn interest on those savings. In this article, we will delve into what an RD account is, how it works, its benefits and drawbacks, and provide an example to help you understand it better.
What is an RD Account?
A recurring deposit account is similar to a fixed deposit account. Still, the difference is that instead of depositing a lump sum at once, you deposit a certain amount regularly for a fixed period.
The term of an RD can vary from a few months to a few years, depending on the bank or financial institution. At the end of the term, you receive the principal amount plus the accumulated interest.
How Does an RD Account Work?
To open an RD account, you must first choose a bank or financial institution that offers this type of account. You must then fill out an application form and provide your KYC (Know Your Customer) documents, such as your Aadhaar card, PAN card, and passport-size photograph. Once your account is opened, you will need to decide on the amount you want to deposit each month and the tenure of the account.
Benefits of an Recurring Deposit Account
RD (Recurring Deposit) account is a low-risk investment option
It allows you to save money in a disciplined manner regularly
The interest rates on RD accounts are usually higher than on regular savings accounts
The returns on RD accounts are guaranteed, making it a safe investment option
It is a flexible investment option as you can choose the amount and duration of the deposit at your convenience
RD accounts are suitable for individuals with a fixed income or those who want to save for a specific goal
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