Скачать с ютуб Post Office Monthly Income Scheme | Post Office | MIS Scheme в хорошем качестве

Post Office Monthly Income Scheme | Post Office | MIS Scheme

Health Insurance Link : https://tinyurl.com/4t4tbdvy Term Insurance Link : https://tinyurl.com/3tdn8xzu ————————————- About This Video : The Post Office MIS (Monthly Income Scheme) is a savings plan offered by India Post that provides a fixed monthly income. It’s a government-backed scheme, designed for people who are looking for a steady income from their investments. Key Features of the Post Office MIS Scheme: Fixed Monthly Income: The main benefit of the scheme is the monthly interest payment, which provides a steady cash flow for investors. The interest is paid on a monthly basis, which is credited directly to the account. Interest Rate: As of now, the interest rate is around 7.4% per annum (subject to change, depending on government notifications). The rate is fixed for the entire tenure of the investment. Eligibility: Any Indian citizen can invest in the scheme. The account can be opened by individuals, joint account holders, or minors (through a guardian). Tenure: The investment tenure is 5 years, and the account can be extended after maturity. Investment Amount: The minimum investment is ₹1,000. The maximum limit for a single account is ₹4.5 lakh, and for a joint account, it’s ₹9 lakh. Withdrawal: After a period of 1 year, premature withdrawal is allowed, but it comes with a penalty. The penalty is generally 2% of the principal amount if withdrawn before 3 years, and 1% after 3 years. Taxation: The interest earned on the MIS scheme is taxable as per the investor’s tax bracket. TDS (Tax Deducted at Source) is applicable if the interest exceeds ₹10,000 in a financial year. Loan Facility: You can also avail a loan against your MIS account up to 90% of the deposit amount. How to Open a Post Office MIS Account: Visit your nearest post office. Complete the application form and submit necessary documents (such as proof of identity and address). Pay the amount you wish to invest. You’ll receive a passbook, which will detail your investment. Benefits: Security: It’s a government-backed scheme, making it a low-risk investment. Regular Income: Ideal for people looking for a reliable, monthly source of income, especially retirees. Tax Benefits: Although interest is taxable, the scheme is exempt from capital gains tax. Disadvantages: Fixed Returns: The interest rate is fixed and may not keep up with inflation over time. Taxable Interest: Interest earned is taxable and could reduce the overall returns. Premature Withdrawal Penalty: There are penalties if you withdraw the amount before the maturity period. ------------------------------------- Our Other Useful Links : ------------------------------------------ 1) XY Axis - Full YouTube Course Link https://xyaxiseducation.com/learn/fas... -------------------------------------------- Some Best Credit Cards Links : --------------------------------------------- SBI Cashback Credit Card https://secure.traqkarr.com/click?pid... ----------------------------------- SBI BPCL Octane Credit Card - Best Fuel Card http://tinyurl.com/IMASBIBPXY ----------------------------------- Tata Neu - HDFC Credit Card https://tinyurl.com/yhf8wae6 ------------------------------------- Kiwi Credit Card https://tinyurl.com/4bm29nv6 ------------------------------------- HDFC Bank Credit Cards Link https://tinyurl.com/29m4ksnt -------------------------------------- Axis Bank Credit Card Links https://tinyurl.com/mux6fe3j -------------------------------------- Best Bank For 0 Balance Account Opening ----------------------------------------- IndusInd Bank 0 Balance Account Opening Link https://mdeal.in/c_Rg0GCaV8TYn0PMD --------------------------------------- Best EMI Credit Card Link --------------------------------- Bajaj Finserv EMI Card Apply Link https://mdeal.in/c_ySS7pArFgTYWnY9 -------------------------------------