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2018-08-12

PF Aur PPF Account Kya Hote Hain, Isame Antar(Difference) Kya Hain?


PF Aur PPF Account


PPF Aur PF Ke Bich Log Hamesa Confused Ho Jate Hain. Hm Apako Bata Rahe Hain, Ki Isame Difference Kya Hain.

Pf Account Ke Bare Me?


PF- Yah Ek Tarah Ka Retirement Fund Hain, Jo Ham Logo Ko Retirement Ke Baad Hamari Jarurato Ko Pura Karane Ke Liye Milta Hain Ya Karane Ke Liye Hota Hain.

EPF (Implied Private Fund) Act, 1952 Ke Tahad Employees Ko Basic Salary Aur DA Ka 12 Fisadi Part PF Account Me Chala Jata Hain. Yah Money Baad Me Apake Retirement Ke During Kam Aata Hain Ya Yu Kahe To Yah Ek Jama Punji Hi Hoti Hain, Jo Ham Logo Ko Jobs Ke Baad Arthik Help Karata Hain.


Jane PF Ke Kitane Ya PF Ke Fayde Ke Bare Me?


Jab Kisi Bhi Employees Ka Account Open Hi Use Free Insurance Ka Labh Bhi Usake Sath Me Hi Milane Lagata Hain Ya Mil Jata Hain.

EDLI(Implied Deposit Linked Insurance ) Scheme Ke PF Account Par Insurance Milata Hain.

Chuki PF Retirement Fund Hote Hain, But Special Paristhiti Me Jaise Home Buy Karana, Banvana, Disease, Marry, Home Repair And Study Ke Liye Aap PF Ka Kuchh Part Nikal Sakte Hain. Magar Aisi Needs Me Kewal Aap PF Ki Total Amount Me Se 90 Percent Money Hi Withdraw Kar Sakate Hain. Kisi Karan Vas Kisi Bhi Employees Ki Jobs Chali Jati Hain Aur Vah Vah Person 60 Days Agar Bina Jobs Ke Rahata Hain, Ya Berojgar Ho Jata Hain To Vah Apana PF  Ka Amount Lene Ke Liye Application Apply Kar Sakata Hain. Lekin Ha Agar Employees Ke Pas Jobs Hain To Vah Aisa Nahi Kar Sakata, Vah Total Amounts Nai Nikal Sakata Hain. Agar Kisi Reason Vas Agar Apaka Pf Account Three Years Se Adhik Time Se Niskriy Hain, To Apako Uska Usaka Interest Milega.


Lekin 2016 Me EPFO Ke Madhyam Se Kiya Gaya. Jqabki Agar Apaka PF Account Three Months Se Jyada Time Tak Niskriy Rahata Hain Tab Interest Ko Close Kar Dete Hain.


Agar Apaka Present Time Me PF Account Ke Rule Ke Hisab Se To Agar Five Years Tak Pf Account Ya Usase Adhik Samay Tak Niskriy Rahe To Agar Aap Pf Account Se Paise Ke Liye Apply Karenge To Use Pane Ke Liye Apko Tax Dene Padhenge.

Agar Aap Apana Jobs Exchange Karna Hoga Bahut Asan Hain. Chahe Gov Ho Ya Non-Gov Employees To Apko Apana PF Account Change Nahi Karana Hoga. Pahale New Jobs Pane Par Form-13 Bharana Padhata Tha Lekin Ab Usaki Jarurat Nahi Hain.


Ab New Form-11 Fill Karana Padhega, Jo Form-13 Ki Hi Tarah Usake Jagah Kam Karega.

PPF Account Ke Bare Me?


PF Account Ke Baad Bhi Ek PPF Account Hota Hain, Jo Ayakar Me Chhut Dilata Hain Aur Bachat Ka Bhi Options Deta Hain.
Public Private Fund Centre Government Ke Dwara Chalane Wala Ek Scheme Hain, Jo Bank Or Post Office Ke Madhyam Se Chalayi Jati Hain. Agar Aap PPF Account Kholna Chahte Hain To Jaruri Nahi Hain Ki Aap Jobs Ya Government Jobs Karate Ho, Agar Aap Bataur Counsellor, Freelancer Ya Anubandh Ke Ye Sab Bhi Karate Hain. Aap Apna Account Kholawa Sakate Hain. Lekin Ha PPF Account Ka Paisa 15 Years Ki Maturity Ke Baad Hi Nikal Sakate Hain. Usase Pahale Aap Ku6 Nahi Kar Sakate Hain.


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