नौ साल में पैसे को दोगुना कर देगी यह सरकारी योजना

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Kisan Vikas Patra: अगर आप अपना पैसा दोगुना करने के लिये कोई सुरक्षित विकल्प ढूंढ़ रहे हैं और साथ ही सरकार की गारंटी भी चाहते हैं तो आपके पास कई विकल्प है जैसे बैंक की एफडी और दूसरी योजनायें। इसमें एक विकल्प पोस्ट ऑफिस द्वारा जारी किये जा रहे किसान विकास पत्र (KVP) भी हैं।

किसान विकास पत्र के जरिये आप 112 महीनों यानी सवा नौ वर्षों में आप की जमा राशि दोगुनी हो जायेगी।

भारत सरकार द्वारा पोस्ट ऑफिसों के जरिये जारी इन किसान विकास पत्रों को कोई भी खरीद सकता है। इस पर एक तय ब्याज मिलता है और यह सरकार द्वारा घोषित छोटी बचत योजनाओं (Small Saving Schemes) में शामिल है।

इसे भी पढ़ें: भारत ने जी-20 देशों से गूगल, फेसबुक समेत इन कंपनियों पर टैक्स लगाने की मांग की

किसान विकास पत्र

इस योजना में आप मात्र एक एक हजार रुपये (1,000) का निवेश करके शामिल हो सकते हैं। इस बाद हजार रुपये की इकाइयों में आप अपना निवेश बढ़ा सकते हैं।

इस योजना में आप 5,00 या अन्य गुणकों में निवेश नहीं कर सकते हैं लेकिन योजना में निवेश की अधिकतम सीमा नहीं है।

कैसे करें किसान विकास पत्र में निवेश

किसान विकास पत्र को आप रु. 1,000, 5,000, 10,000 और 50,000 रुपये में कर सकते हैं।

किसान विकास पत्र पर मौजूदा ब्याज दर 8 प्रतिशत से थोड़ा कम है।

सरकार की वेबसाइट पर दी जानकारी के अनुसार किसान विकास पत्र में निवेश करने पर आपका धन 112 महीनों में दोगुना जायेगा जो कि नौ वर्ष चार महीने का समय है।

इसे भी पढ़ें: मोदी 2.0: भाजपा को मतदाताओं का जबर्दस्त समर्थन, अकेले दम पर पार्टी 300 के पार

किसान विकास पत्र किसके नाम खरीदा जा सकता है

किसान विकास पत्र को कोई भी वयस्क अपने नाम पर या किसी अवयस्क के नाम पर उसका संरक्षक बन कर खरीद सकता है। इसे दो वयस्क संयुक्त रूप से भी खरीद सकते हैं।

कहां से खरीदे किसान विकास पत्र

किसान विकास पत्रों को देश भर में मौजूद करीब 2 लाख घरों में कहीं से भी खरीद सकते हैं। भारत सरकार की पोस्टल सेवाओं को देश में हर स्थान पर पहुंचाने की प्रतिबद्धता की वजह से देश के कोने-कोने, यहां तक कि दूर-दराज के स्थानों में भी डाकघर स्थित हैं जहां से किसान विकास पत्रों को खरीदा जा सकता है।

कौन से कागज या पहचान पत्र देने पड़ेंगे

  1. दो फोटो।
  2. राशन कार्ड, मतदाता पहचान पत्र, पासपोर्ट में से कोई एक पहचान पत्र।
  3. निवास प्रमाण पत्र (बिजली बिल, टेलिफोन बिल, बैंक पासबुक या ऊपर दिये गये पहचान पत्र जिन पर पता भी होता है)।
  4. आधार संख्या।

किसान विकास पत्र की शर्तें

अपने ग्राहक को जानो (Know Your Customer – KYC) के नियमों के अनुसार 50,000 से ज्यादा के किसान विकास पत्र खरीदने के लिये आपको पैन (PAN Card) देना होगा और एक विशेष सीमा से अधिक के किसान विकास पत्र खरीदने के लिये आपको आय का स्रोत बताना होगा।

क्या किसान विकास पत्र ट्रॉंसफर किया जा सकता है

जी हां! किसान विकास पत्रों को दूसरे व्यक्ति या दूसरे पोस्ट आफिस में स्थानांतरित किया जा सकता है।

कब निकाल सकते हैं पैसा

किसान विकास पत्र (Kisan Vikas Patra) से यदि एक साल के अंदर पैसा निकाला जायेगा तो ब्याज नहीं मिलेगा और साथ ही एक दण्डराशि भी देनी होगी। आप ढाई साल के बाद पैसा निकाल सकते हैं लेकिन एक वर्ष और ढाई वर्ष की अवधि में भुनाते हैं तो घटा हुआ ब्याज ही आपको मिलेगा। 9 साल 4 महीने के बाद पैसा निकालने पर दोगुना पैसा मिलेगा।

इसे भी पढ़ें: मिशन शक्ति: भारत ने अंतरिक्ष में उपग्रह को सफलतापूर्वक नष्ट किया

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