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।

Investing in your child's future:Investment will continue with or without you

Benefits of Investing In Child Plan

Waiver of Premium Benefit

Future Premiums are paid by the insurer upon death of policyholder

Flexible Payout Options

Your premiums help your child achieve their dreams through lump sum or regular payouts

Wealth Boosters

Get rewarded with Wealth Booster and Loyalty Bonus for staying invested with us

Zero Commission

We charge no commission when you buy from us. Also buy online & get extra

Tax Benefits^

You get tax benefits under Section 80(C) and no tax on returns under Section 10 (10D)

Investment Flexibility

It offers the flexibility to invest at regular intervals or as a one-time contribution

We are rated⁺⁺

9.7 Crore

Registered Consumer

Insurance Partners

4.9 Crore

Policies Sold

Nothing Is More Important Than Securing Your Child's Future

Invest ₹10k/month your child will get ₹1 Cr^# Tax-Free^*

Your Name

+91

Mobile Number

Your personal information is secure with us

By clicking on "View Plans" you agree to our Privacy Policy and Terms of use

Get Updates on WhatsApp

We are rated⁺⁺

9.7 Crore

Registered Consumer

Insurance Partners

4.9 Crore

Policies Sold

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)

Invest More Get More

Invest ₹10K/Month YOU GET ₹1 Crores^* For Your Child View Plans

Invest ₹8K/Month YOU GET ₹80 Lakhs^* For Your Child View Plans

Invest ₹5K/Month YOU GET ₹50 Lakhs^* For Your Child View Plans

Standard T&C Apply *

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

View Plans

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

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The investment risk in the portfolio is borne by the policyholder. Life insurance is available in this product. The maturity amount of Rs 1 Cr. is for a 30 year old healthy individual investing Rs 10,000/- per month for 30 years, with assumed rates of returns @ 8% p.a. that is not guaranteed and is not the upper or lower limits as the value of your policy depends on a number of factors including future investment performance. In Unit Linked Insurance Plans, the investment risk in the investment portfolio is borne by the policyholder and the returns are not guaranteed. Maturity Value: ₹1,05,02,174 @ CARG 8%; ₹50,45,591 @ CAGR 4%
+Returns Since Inception of LIC Growth Fund
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.