Ponmagan Podhuvaippu Nidhi Scheme (PPNS)

Post Office Ponmagan Podhuvaippu Nidhi scheme एक social welfare योजना है, जिसे Tamil Nadu government ने 2015 में शुरू किया। इस scheme का उद्देश्य economically weaker sections (EWS) के male students को financial assistance देना है। इस योजना के तहत, eligible students अपनी contributions पर high interest earn करके educational expenses के लिए corpus बना सकते हैं। इस article में Ponmagan Podhuvaippu Nidhi Scheme के फायदे और features के बारे में जानें।

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Ponmagan Podhuvaippu Nidhi Scheme (PPNS) क्या है?

"Ponmagan" का मतलब होता है "Golden Child"। Tamil Nadu सरकार ने Post Office Ponmagan Podhuvaippu Nidhi Scheme launch की, ताकि economic constraints से जूझ रहे students को financially मदद मिल सके। यह child education plan हजारों छात्रों को financial burden की चिंता किए बिना पढ़ाई जारी रखने में सहायता प्रदान कर चुका है।

Ponmagan Podhuvaippu Nidhi Scheme (PPNS) की विशेषताएं

नीचे दिए गए table से Post Office Ponmagan Podhuvaippu Nidhi Scheme की मुख्य विशेषताओं के बारे में जानें:

Features	Details
Launched By	Tamil Nadu सरकार (2015)
Administered By	Department of Post
Scheme Type	Public Provident Fund (PPF) Scheme
Eligibility	Male Child, Economically Weaker Section, Tamil Nadu निवासी
Account Type	केवल Single Account Holder
Who Can Apply?	- Minor Child (<10 Years): Guardian opens account - Male Child Above 10 Years: खुद PPNS account open करता है


Age Limit	N/A
Contribution Amount	Minimum Amount to Open: ₹100 Minimum Annual Deposit: ₹500 Maximum Annual Amount: ₹1.5 lakh


Contribution Payment Options	Lump Sum या 12 Installments
Maturity Period	15 years (5 years तक extend कर सकते हैं maturity के बाद)
PPNS Interest Rate	9.7% p.a. (government द्वारा periodically तय किया जाता है)
Interest Payment	Compounded Annually
Nomination Facility	उपलब्ध
Premature Closure	Maturity से पहले अनुमति नहीं है
Partial Withdrawals	7th financial year के बाद
Loan Facility	3rd financial year पूरा होने के बाद उपलब्ध
Tax Benefits on Investment	Section 80C के तहत ₹1.5 lakh तक के investment पर tax deductions
Tax Benefits on Interest Earned	Tax-Free
Transferability	PPNS Account किसी भी post office branch में transfer किया जा सकता है
Payment Method	Cash, Cheque
Last Date to Apply	किसी भी समय apply कर सकते हैं

Eligibility Criteria

Ponmagan Scheme के लिए eligibility criteria नीचे दिए गए हैं:

Particulars	Eligibility Criteria
Scheme For	Male Child
Residence	Tamil Nadu का निवासी
Education	Tamil Nadu में किसी government या government-recognized school या college में पढ़ाई कर रहा हो
Income	Economically Weaker Section (EWS) से संबंधित हो
Other Conditions	- बच्चा किसी और government financial assistance के तहत education के लिए मदद न ले रहा हो
Other Conditions
Other Siblings	अगर बच्चे का sibling है, तो सिर्फ एक ही इस scheme के लिए eligible होगा
Bank Account	बच्चे के नाम से bank account खुला होना चाहिए

Documents Required

Ponmagan Podhuvaippu Nidhi Scheme के लिए आवेदन करते समय आपको निम्नलिखित documents submit करने होंगे:

सही से भरा हुआ application form
बच्चे की passport-size photograph
Income Certificate
School/College Certificates (current academic year के लिए)
बच्चे के bank account की details
Residence Proof (Ration Card/ Voter ID Card/ Aadhaar Card)

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Ponmagan Podhuvaippu Nidhi Scheme (PPNS) के लिए कैसे आवेदन करें?

Post Office में Ponmagan Scheme के लिए आवेदन करने के steps नीचे दिए गए हैं:

Step 1

अपने नज़दीकी post office branch पर जाएं और Ponmagan Podhuvaippu Nidhi Scheme का application form collect करें।

Step 2

Form को ध्यान से भरें और सभी जरूरी documents attach करें, जैसे:

Identity Proof
Address Proof
Education Certificates
Bank Account Details
Income Proof, आदि।

Step 3

भरे हुए application form को सभी required documents के साथ post office के अधिकारियों को जमा करें।

Step 4

Verification process पूरा होने के बाद application approve हो जाता है।

इसके बाद, बच्चा Ponmagan Podhuvaippu Nidhi Scheme का beneficiary बन जाता है।

Benefits of Ponmagan Podhuvaippu Nidhi Scheme

Post Office की Ponmagan Scheme के key benefits नीचे दिए गए हैं:

Easy Accessibility

यह scheme Tamil Nadu और Puducherry के designated post offices पर उपलब्ध है, जिससे इसे लोगों के लिए easily accessible बनाया गया है।
Low Investment Amount

Scheme में minimum investment amount सिर्फ ₹100 है, जो low-income लोगों के लिए भी affordable है।
Attractive Interest Rate

Scheme में fixed interest rate मिलता है, जो अन्य small savings schemes की तुलना में ज़्यादा होता है। अभी scheme पर 9.7% p.a. interest rate मिलता है, जो yearly compound होता है।
Tax Benefits

Section 80C के तहत इस scheme में किए गए investment पर tax benefits claim कर सकते हैं।
Safe Investment Option

Scheme को Government of India द्वारा back किया गया है, जो financially weaker sections के लिए इसे safe बनाता है।
Guaranteed Returns

Fixed interest rate के साथ assured corpus मिलता है, जो समय के साथ high interest generate करता है। यह भविष्य में बच्चे की educational expenses को cover करने में मदद करता है।

Unique Triple Benefit

Future premiums paid by insurer on parent's death

Monthly income to fund child's education on parent's death

Lumpsum payout to family on parent's death

Returns

Return as of Apr 2024
12%-15%
8.2%
7.1%

Availability

Availability
Girl Child or Boy Child
Girl child only
Girl Child or Boy Child

Max Entry Age
Upto 18 years
Upto 10 years
No Age Limit

Flexibility

Invested Amount can be Withdrawn after
5 years
21 years
15 years

Conditions for Premature closure
Anytime after 5years
Extreme Compassionate Grounds
Serious Ailments or for education

Penalty on Premature Closure
No Penalty after 5 years
Returns reduced to Post Office Savings rate
1% reduction in interest rate

Max deposit amount in an year
No Limit
1.5 Lacs
1.5 Lacs

Documentation

Documentation Required for Withdrawal
Low
High
Low

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Wrapping It Up

Ponmagan Podhuvaippu Scheme inclusive education को promote करने और financial constraints के कारण किसी भी छात्र को exclude होने से बचाने के लिए बहुत ज़रूरी है। Tamil Nadu सरकार द्वारा शुरू की गई इस savings scheme का उद्देश्य economically weaker sections के parents/guardians को उनके boys की education के लिए saving के लिए encourage करना है।

FAQs

Ponmagan Scheme का interest rate क्या है?

अभी Tamil Nadu Government Ponmagan Podhuvaippu Nidhi Scheme में contributions पर 9.7% p.a. का high interest rate देती है।
Ponmagan Scheme की maturity period क्या है?

Post Office Ponmagan Scheme की maturity period 15 years (Government of India की PPF scheme की तरह) है। इसे maturity के 1 साल के अंदर 5 years के लिए extend किया जा सकता है।
Tamil Nadu Post Office में Ponmagan Scheme क्या है?

Ponmagan Podhuvaippu Scheme Tamil Nadu Postal Department की savings scheme है, जो खासतौर पर boy children को target करती है। यह scheme parents/guardians को बच्चे की educational expenses cover करने के लिए saving करने के लिए encourage करती है। इसके तहत, parents अपने बच्चे के नाम पर 15 साल के लिए एक PPF account खोल सकते हैं, जिसमें tax benefits भी मिलते हैं।
Post Office PPF Scheme के benefits क्या हैं?
Public Provident Fund (PPF) एक long-term savings scheme है जो पूरे भारत में post offices में available है। इसके कुछ benefits:
- High interest rate: 7.1% p.a.
- Long-term investment goals के लिए ideal, 15-year lock-in period के साथ
- Section 80C के तहत tax benefits
- Flexibility: ₹500 से ₹1.5 लाख तक annual deposits
- 3 साल पूरे होने के बाद PPF account balance पर loan उपलब्ध
- Account खोलने के 5 financial years के बाद partial withdrawals की सुविधा

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