5 Sarkari Skime Jo Bina Risk Investment Ke Sath Lakho Kama Shakati hai Complete Guide in Hindi
Agar aap jankari dhundh rahe hai ki Bina Risk Investment ke sath lakho kamane wali sarkari scheme kaun si hai, to ye blog post aapke liye hai.
Aaj ham discuss karenge 5 aisi sarkari scheme, jinse aap lakho rupaye kama shakate ho- Bina Risk Investment yaani bina ya me to kahunga lagbhag zero risk ke sath.
Ye scheme saif hai aur aapko FD se higher returens de shakati hai. Is post me ham inhe brifly lekin equrately samjenge.
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1️⃣ National Saving Certificate(NSC) — Saif Aur Shthir Return
National Saving Certificate ek no braner scheme hai jo ki ek behtarin Bina Risk Investment vikalp hai.
Fayde:
- FD jitne ya jyada returns (7.7%)
- Directly government banked scheme
- FD se lagbhag 1% jyada return
- 5 saal ka lock-in
- Taxasion: Interest par slab ke anushar tax
📍 Ise kisi bhi najdiki post office ya adhikrut bank se liya ja shakata hai.
2️⃣ Senior Citizen Saving Scheme (SCSS) — Retired Logo Ke Liye Best
Agar aap Senior Citizen hai, to ye scheme aapke liye perfect hai. ye bhi ek majbut Bina Risk Investment option hai.
Mukhya Baate:
- 8.2% ka fix return
- 5 saal ka lock-in + 3 saal ka extension
- Taxasion: aapke tax slab ke anushar
- Min ₹1000 aur max ₹30 Lakh invest sima
- 60+ eligibality (defence personal ke liye 50+)
📍 Kisi bhi post office ya adhikrut bank me uplabdh.
3️⃣ Sukanya Samrudhdhi Yojana— Betiyo Ke LIye Surakshit Bhavishya
Yadi aapki beti 10 saal se kam umra ki hai, to ye schme No Braner hai, aur ye ek super saif Bina Risk Investment scheme bhi hai.
Mukhya Fayde:
- 8.2% Tax free return
- Tax categaries: puri tarah tax free
- Min ₹250 se shuru, saal me adhiktam ₹1.5 lakh
- Machyority: 21 saal baad ya shadi (18 saal ki umra par)
- Emergency medicle kharcho ke liye pre-machyore withrowal ki suvidha
📍 Ise SBI, post office ya anya sarvajanik banko me khola ja shakata hai.
4️⃣ Public Provident Fund (PPF) — Beto Ke Liye Long Term Saving
Agar aap bete ke liye saif saving karna chahte hai, to ye scheme behtarin hai. Ye ek shandar long term Bina Risk Investment vikalp hai.
Visheshtaye:
- 7.1% Tax free return
- 15 saal ka lock in + 5 saal ke block me extension
- Tax chhut: Section 80C me invester par
- Tax free interest aur machyority
- Beto ke liye long term saving ka ek vikalp
📍Ise kisi bhi post office ya public bank me khola ja shakata hai.
5️⃣ National Pension Scheme (NPS) — Retirement Ke Liye Perfect Vikalp
Retirement planing ke liye sabse upyukt aur structured scheme hai NPS. Ye scheme Bina Risk Investment ke sath sath wealth creation bhi pradan karti hai.
Khas Baate:
- 10–12% Sambhavit Return (Market Linked)
- 60 saal se pahele nikasi nahi — dicipline built-in
- Auto Choice Option: umra ke anushar quity ghatti hai
- Tax chhut taxasion 80CCD ke tahat
- Lambi avadhi ke liye wealth creation
📍 Bank se sampark kar ashani se shuru kiya jaa shakata hai.
📊 Kaunsi Scheme Kiski Liye Best Hai?
| 🎯 Udeshya | ✅ Sahi Scheme |
| Beti ke bhavishya ki planing |
Sukanya Samrudhdhi Yojana |
| Bete ke liye long term saving |
Public Provident Fund (PPF) |
| Senior citizen incom |
Senior citizen saving scheme |
| 5 saal ka surakshit invest |
National Saving Certificate (NSC) |
| Retirement ke liye planing |
National Pensio Scheme (NPS) |
📈 Saving Ke Sath Growth Bhi Chahiye?
Agar aap chahte hai ki aapki savings sirf save na ho,balki badhe bhi, to Finology 30 ek bahetarin vikalp hai.Ye seva un logo ke liyie hai jo lambi avadhi me wealth banana chahte hai. Har 12 din me ek naya stock jodkar , ye 30 best stocks ka basket taiyyar karta hai.
📌 Dhyan De: ye investment Serious investers keliye hai— traders aur spekuleters ke liye nahi hai
❓ Akshar Puchhe Jane Wale Saval (FAQ) — Sarkari Scheme Aur Bina Risk Investment Guide
Q1. National Saving Certificate (NSC) Kya Hai Aur Ye Kitni Saif Hai?
National saving certificate ek government banked shceme hai, jo aapko FD jitna ya us se bhi jyada returrn de shakati hai. Agar aap 5 saal wait kar shakte ho aur lo risk ke sath FD se higher return pana chahte ho , to ye ek No Baner sarkarri shceme hai.
Isme aapko lagbhag 7.7% ka returrns mil raha hai aurr ye goverment dhvara har quarters wise kiya jata hai. Risk bahut hi kam hai kyo ki government dhvara support hai. Isliye ise Bina Risk Investment category me rakha ja shakata hai.
Q2. NSC Me Paisa Kitne Samay Ke Liye Lock Hota Hai?
Is sarkari shceme me paisa 5 saal ke liye lock in ho jata hai. Yaani aap ye maan lo ki aap paisa uske pahele bahut rare parishthitiyo me nikal pavoge. Ye long term ke liye ek achcha Bina Risk Investment option banta hai.
Q3. Kya NSC Me Tax Lagta Hai?
Ji haa, isme jo interest aap kamate ho, us par aapki tax slab ke anushar normal tax lagata hai. yaani kuchh bhi fency taxasion nahi hai. Tax ke bavazud ye ek bharosemand Bina Risk Investment vikalp hai.
Q4. Senior Citizen Saving Scheme (SCSS) Kya Hai?
Senior cityzen saving ek sarkari scheme hai jo khaas tor par 60 saal se upar ke logo ke liye hai. Ye 8.2% ka fixed returrn deti hai, jo mahengayi ko asani se beat kar deta hai- bina kisi risk ke. Isliye ye scheme ek perfect Bina Risk Investment option hai.
Agar aap defence person hai aur retire ho chuke hai, to aap 50 saal ki umra me bhi isme invest kar shakate hai.
Q5. SCSS Me Tax Aur loan In Period Kya Hai?
Tax usi tarha ka hai jaise baaki schemes me- aapke slab ke hisab se lagega. Isme 5 Saal ka lock in hotahai aur baad me aap ise 3 saal ke liyie extend bhi kar shakate hai. Ye surakshit aur shthir Bina Risk Investment vikalp hai.
Q6. Sukanya Samrudhdhi Yojana Kya Hai Aur Isme Kaun Invest Kar Shakata Hai?
Agar aap parent hai to girl child aur aapki beti ki umra 10 saal se kam hai, to aap is scheme ko shuru kar shakate hai. Ye ek risk free tax free shceme hai jisme 8.2% ka return milta hai aur interest bhi puri taraha tax free hai. ek dam bharose mand Bina Risk Investment yojana hai betiyo ke liye.
Q7. Sukanya Yojana Me Kitna Invest Kiya Ja Shakta Hai?
Isme aap 250 se 1.5 Lakh prati varsh tak invest kar shakate hai. Machyority 21 saal par hoti hai ya 18 saal ki umra par shaadi ki shthti me. Long term ke liye ye Bina Risk Investment ka ek khaas vikalp hai.
Q8. Kya Sukanya Yojana Se Paisa Samay Se Paheele Nikala Ja Shakata Hai?
Haa, agar bachhi ko koi medicle emergency hai ya us ke ilaj ki jarurat hai, tab aap pre-machyore withrawal kar shakate ho. personal use ke liye paisa nahi nikala jaa shakata fir bhi , ye yojana ek surakshit Bina Risk Investment ke rup me maani jati hai.
Q9. Public provident Fund (PPF) Kya Hai Aur Ye Kaise Kaam Karta Hai?
PPF ek long term goverment shceme hai, jisme 7.1% tax free return milta hai. Ye scheme 15 saal ki hoti hai aurisme aap 5 saal ke block me extension leshakate hai.
Agar aap bete ke liye saif saving karana chahte hai aur Bina Risk Investment dhundh rahe hai , to PPF ek behtarin vikalp hai.
Q10. Kya PPF Me Tax Benefit Milta Hai?
Haa, ye Free categary me aata hai. Yaani aapka invest, return aur macyority -tino par tax nahi lagega. Khaskar agar aap old tax rijim me hai, to ye aur bhi faydemand Bina Risk Investment ban jata hai..
Q11. National Pension Scheme (NPS) Kya Hai Aur Kyo Jaruri Hai.?
NPS ek retirement planing scheme hai jo market linked hai. Isme aap saalo tak paisa dalte hai aur 60 saal ki umra ke baad ye aapko Pension aur lamsam amount ke rup me paisa deta hai.
Aapko isme 10-12 % tak ka salana return mil shakata hai, lekin ye fixed nahi hai. Ye aapke chune gaye quity aur date resyo par depend karta hai. Halaki ye market linked hai, lekin long term ke liye ye ek structured Bina Risk Investment plan ho shakata hai..
Q12. Kya NPS Se Paisa Pahele Nikala Ja shakata Hai.?
Nahi, sirf exsepshnal sarkamstonsens me hi NPS 60 saal ke pahle paisa nikala ja shakta hai. yahi iski sabse badi khasiyat hai-ye aapki retirement ko protect karta hai aur Bina Risk Investment ka sens deta hai..
Q13. Kya NPS Me Returns Stable Hote Hai.?
Agar aap auto choice option chunte hai, to jaise-jaise aapki umra badhati hai, aapki quity exsposer kam ho jati hai aur stablity badhati jati hai. Isse ye scheme ek balanced Bina Risk Investment ke rup me dekhi jaa shakati hai.
Q14. Agar Kisi Ko Stocks Me Wealth Creat Karni Ho To?
Agar aap apni saving ka kuchh hissa stocks me dalkar agrasiv growth karna chahte hai, to Finology 30 jaisi service upyukt hai. Ye serious long term investers ke liye hai – traders ya speculaters ke liye nahi.
Q15. Kya Ye Sarkari Scheme Inflation Ko Beat Kar Shakati Hai?
Ji haa, khaskar Senior citizen scheme aur sukanya yojana jaisi scheme aur sukanya yojna jaisi scheme to 8.2% returns de rahi hai, jo inflation ko ashani se beat karti hai. Ye schemes ek majubt Bina Risk Investment vikalp banti hai.
🔚 Conclusion:
Agar aap bhi Bina Risk Investment, tax free scheme,aur sarkari guaranti ke sath apne paise ko grow karna chahte hai-to ye FAQ aapke liye guide ki tarha kaam karega.