Ministry of finanace ke Economic Affairs Vibhag ne abhi haal hi mein minor ke naam se banaye gaye PPF accounts, multiple PPF accounts, aur NRIs dwara post offices ke zariye PPF accounts ke extension ke liye naye guidelines jari kiye hain. Mantralaya ne 21 August 2024 ko ek circular jaari karke in badlavon ki suchna di hai.
Naye niyam 1 October 2024 se lagu honge.
21 August 2024 ke circular ke mutabik, “Yeh dhyan dena zaroori hai ki asamanya small savings accounts ko regularise karne ka adhikar Vitt Mantralaya ke paas hai. Isliye, sabhi asamanya accounts se jude mamle is vibhag ko bheje jane chahiye taaki Vitt Mantralaya dwara unhe regularise kiya ja sake.”
Minor ke naam par khola gaya PPF account:
Aise asamanya accounts ke liye, Post Office Savings Account (POSA) ka byaaj tab tak diya jayega jab tak minor vyakti account kholne ke liye eligible nahi ho jata, yaani jab tak vyakti 18 saal ka nahi ho jata. Iske baad, applicable interest rate diya jayega.
In accounts ka maturity period usi din se gina jayega jab minor vyakti 18 saal ka ho kar adult ban jata hai, yaani jab se vyakti account kholne ke layak ho jata hai.
Ek se zyada PPF Accounts:
Primary account ko scheme ke interest rate ka fayda tab tak milega jab tak deposit applicable annual ceiling ke andar rahe. Primary account wahi hai jo investor ne Post Office ya agency bank me do accounts me se chunha hai aur jo account investor regularisation ke baad rakhna chahta hai.
Dusre account ka balance pehle account ke saath merge kar diya jayega, shart ye hai ki primary account har saal applicable investment ceiling ke andar rahe. Merge ke baad, primary account ko current scheme rate ka interest milta rahega. Dusre account ka koi bhi extra balance zero percent interest rate par wapas kiya jayega.
Dhyan dein ki primary aur second account ke alawa, sabhi anya accounts ko unke khulne ke din se koi bhi interest nahi milega.
NRI ke dwara PPF account extension:
Sirf un active NRI PPF accounts ko, jo Public Provident Fund Scheme (PPF), 1968 ke under khule hain aur jahan Form H me account holder ke residency status ka zikr nahi kiya gaya, POSA rate ka interest diya jayega. Ye interest Indian citizen ko milega jo account ke dauran NRI bana. Ye rate 30 September 2024 tak chalega. Iske baad, upar zikr kiya gaya account zero percent interest par chalega.