Post Office RD Calculator: Maturity Aur Byaaj
Recurring deposit mein aap har mahine ek tay rakam jama karte hain, aur uspar tihai saalana chakravriddhi byaaj lagta hai. Neeche apni mahine ki jama daalein aur poori avadhi ka hisaab dekhein.
apna hisaab khud dekhein
Calculator
Is samay ka official dar: 6.7 percent. Dar National Savings Institute ki RD rate page se liya gaya hai; calculator usi dar par quarterly chakravriddhi lagata hai.
Har mahine ki jama par tihai saalana chakravriddhi byaaj lagta hai. Official avadhi paanch saal hai, aur term input usi par pehle se set hai. Kam ya zyada mahine daalne par numbers sirf andaze ke liye hain.
ek nazar mein
Yeh Scheme Kya Hai
Recurring deposit un logon ke liye bana hai jinke paas ek badi rakam ek saath nahin hoti, lekin har mahine kuchh bachat kar sakte hain. Aap har mahine ek tay rakam jama karte hain, aur poori avadhi tak woh jama chakravriddhi byaaj ke saath badhti rehti hai. Post office ka recurring deposit account har mahine ki chhoti jama ko ek badi maturity rakam mein badal deta hai.
Is scheme mein byaaj tihai saalana, yaani quarterly, chakravriddhi ke hisaab se lagta hai. Har mahine ki jama ko us samay se byaaj milna shuru hota hai jab woh jama hoti hai, isliye shuru ki jama avadhi ke ant tak sabse zyada byaaj kamati hai aur antim jama sabse kam. Isi wajah se mahine ki jama badhane par maturity ki rakam mahine ki jama se tez badhti hai.
Yeh calculator aapko saal dar saal dikhata hai ki kitni jama hui, kitna byaaj bana, aur us saal ke ant mein balance kitna tha. Avadhi ke ant mein poori jama, kul byaaj aur maturity rakam neeche saaf saaf dikh jate hain.
kaam kis ka
Kiske Liye Sahi Hai
- Jinke paas ek saath badi rakam nahin hai, lekin har mahine bachat kar sakte hain.
- Jo salary aane ke baad tay rakam bachat mein daalna chahte hain, taaki kharch khud ba khud seemit reh.
- Jo chhoti chhoti jamaon ko ek badi rakam mein badalna chahte hain.
- Jo certificate ya monthly income yojana ke saath RD ko apne plan ka hissa banana chahte hain.
hisaab ka tareeka
Poora Formula
M = D × [((ek + i)^q − ek) ÷ (ek − (ek + i)^(−ek ÷ teen))]
Is formula mein D har mahine ki jama hai, i saalana dar ko chaar se bhaag dekar mila quarterly dar hai, q poore quarters ki ginti hai (mahine ko teen se bhaag dein), aur M maturity par milne wali rakam hai. Yeh aam jama wale hisaab se alag hai kyunki yahan byaaj quarterly judta hai.
seema, avadhi aur tax
Official Niyam
- Jama ki seema
- NSI ke hisaab se har mahine kam se kam sau rupaye jama karne hote hain, aur uske baad das rupaye ke gunaj mein. Upar ki taraf koi maximum limit nahin hai.
- Avadhi
- Account paanch saal mein mature hota hai. Maturity ke baad account ko aage chalaya ja sakta hai, chahe jama jaari rahe ya bina jama ke bhi.
- Pehle nikalna
- Account teen saal ke baad band kiya ja sakta hai, lekin tab savings account wale saral byaaj ke hisaab se hisaab hota hai, chakravriddhi ka nahin.
- Advance jama
- Depositor apni marzi se chhah mahine ya baarah mahine ki jama pehle hi jama kar sakta hai, aur uspar rebate bhi milta hai.
- Aadhi rakam nikalna
- Account kholne ke ek saal baad maujood balance ki aadhi rakam tak nikalne ki suvidha milti hai, isliye beech mein paise ki zaroorat par account todna zaroori nahin.
- Tax ka hisaab
- NSI ki RD page par tax ke niyam ke baare mein kuchh darj nahin hai. Isliye is page par tax ka dawa nahin kiya jata, aur apne salahkar se poochh kar faisla karein.
jaise asli zindagi mein
Ek Udaharan
Maan lijiye aap har mahine paanch hazaar rupaye RD mein jama karte hain aur poori paanch saal ki avadhi chalne dete hain. Neeche wale calculator mein yahi rakam pehle se bhari hui hai.
Pehle saal mein jama hui poori rakam par byaaj milta hai, kyunki har jama avadhi ke ant tak rukti hai.
Har agle saal mein pehle ki jamaon par bhi byaaj banta rehta hai, isliye byaaj ka hissa har saal badhta jata hai.
Paanch saal ke ant mein poori jama se kaafi zyada rakam milti hai. Poora saal dar saal hisaab, kul byaaj aur maturity neeche table mein turant dikh jate hain.
jinse bachein
Aam Galtiyan
- Mahine ki jama bhool jana aur kist chookna, jisse account par niyam ke hisaab se asar padta hai.
- Aadhi rakam nikalne ki suvidha ko bhool jana aur account beech mein tod dena.
- Teen saal se pehle account band karne ki koshish karna, jabki uske baad hi saral byaaj wala hisaab hota hai.
- Jama ki rakam aisi rakhna jo das rupaye ke gunaj mein na ho, jisse ginti ulajh jati hai.
aksar poochhe jaane wale sawaal
Frequently Asked Questions
Post Office RD par byaaj kis dar se lagta hai?
RD mein kam se kam kitni jama karni hoti hai?
Kya RD account paanch saal se aage bhi chal sakta hai?
RD beech mein band karne par kya hota hai?
Kya mahine ki jama badhane se maturity bahut badhti hai?
RD mein advance jama kar sakte hain?
aadhikarik srot
Official Sources
Dar National Savings Institute ki RD rate page se; account ke niyam NSI ki RD scheme page se.
NSI: Post Office RD current interest rate · NSI: RD minimum deposit rule · NSI: RD maturity period · NSI: RD premature closure rule · NSI: RD advance deposit option · jaancha gaya