கிஸான் விகாஸ் பத்திரம்

kisan vikas patra: இரட்டிப்பாகும் முதலீடு – போஸ்ட் ஆபிஸின் ரிஸ்க் ஃப்ரீ முதலீட்டுத் திட்டம் பற்றி தெரியுமா?

உங்கள் முதலீட்டை இரட்டிப்பாக்கும் நீண்டகால முதலீட்டுத் திட்டமான அஞ்சலகம் அளிக்கும் கிஸான் விகாஸ் பத்திரம் (KVP) பற்றி தெரிந்துகொள்வோமா?

கிஸான் விகாஸ் பத்திரம்
கிஸான் விகாஸ் பத்திரம்

கிஸான் விகாஸ் பத்திரம்

நீண்டகால முதலீடு, குறுகிய கால முதலீட்டுத் திட்டங்கள் நிறையவே இருக்கின்றன. அவற்றில் சரியான மற்றும் ரிஸ்க் குறைவான முதலீட்டுத் திட்டத்தைத் தேர்வு செய்வது ரொம்பவே முக்கியம். அப்படி நீண்டகால முதலீட்டுத் திட்டத்தில் முதலீடு செய்ய நீங்கள் நினைத்தால், அஞ்சல் துறை வழங்கும் கிஸான் விகாஸ் பத்திரம் திட்டத்தைத் தேர்வு செய்யலாம். இந்திய அஞ்சல் துறை விவசாயிகளிடையே சேமிக்கும் பழக்கத்தை ஊக்குவிக்கும் வண்ணம் கடந்த 1998-ல் தொடங்கிய திட்டம்தான் கிஸான் விகாஸ் பத்திரம். இந்தத் திட்டத்தின்கீழ் ஒரு முறை முதலீடு செய்யப்படும் பணம் முதிர்வு காலமான 124 மாதங்களில் (10 ஆண்டுகள் 4 மாதங்கள்) இரட்டிப்பாகத் திரும்பப் பெற முடியும். இந்தத் திட்டம் முறைகேடாக பண முதலீடுகளை ஊக்குவிக்கும் என்ற நோக்கில் கடந்த 2011-ல் நிறுத்தப்பட்டது. அதன்பின்னர், பல்வேறு புதிய விதிமுறைகளோடு 2014-ல் மீண்டும் அறிமுகப்படுத்தப்பட்டது.

அஞ்சல் துறை
அஞ்சல் துறை

யாரெல்லாம் முதலீடு செய்யலாம்?

இந்தத் திட்டத்தின்கீழ் 18 வயதுக்கு மேற்பட்ட இந்தியர் யார் வேண்டுமானாலும் முதலீடு செய்ய முடியும். குறைந்தபட்ச முதலீட்டுத் தொகை ரூ.1,000. இத்திட்டத்தின் கீழ் முதலீடு செய்வதற்கான அதிகபட்ச வரம்பு எதுவும் நிர்ணயிக்கப்படவில்லை. அதேநேரம், ரூ.50,000-த்துக்கு அதிகமான முதலீடுகளுக்கு பான் கார்டு கட்டாயமக்கப்பட்டிருக்கிறது. மேலும், ரூ.10 லட்சத்துக்கு மேலான முதலீட்டுக்கு வருமான ஆதாரங்கள் குறித்த தகவல்களை அளிக்க வேண்டும்.

அஞ்சல் துறை
அஞ்சல் துறை

எப்படி முதலீடு செய்வது?

உங்கள் அருகிலிருக்கும் அஞ்சலகங்களுக்கு நேரில் சென்று அங்கு அளிக்கப்படும் ஃபார்ம் A-வைப் பூர்த்தி செய்து, ஆதார், முகவரி சான்று, புகைப்படம் உள்ளிட்டவற்றை அளித்து, முதலீட்டுக்கான தொகையைப் பணமாகவோ, காசோலை அல்லது டிடி வடிவிலோ கொடுத்து கிஸான் விகாஸ் பத்திரம் திட்டத்தில் இணையலாம். தனிநபராகவோ அல்லது அதிகபட்சம் மூன்று பேர் சேர்ந்து ஜாயிண்ட் அக்கவுண்டாகவோ கணக்குத் தொடங்க முடியும். முதலீடு செய்தவுடன் வழங்கப்படும் சான்றிதழை, அடமானம் வைத்து வங்கிகளில் கடன் பெறலாம். இந்தத் திட்டத்தின்கீழ் 6.9% வட்டி வழங்கப்படுகிறது. முதிர்வு காலம் 124 மாதங்கள் என்றாலும், இடையில் முதலீட்டைத் திரும்பப் பெற விரும்பினால் குறைந்தபட்சம் 30 மாதங்களுக்குப் பிறகு உரிய வட்டியும் திரும்பப் பெறலாம். கணக்குத் தொடங்கியவர் உயிரிழக்கும்பட்சத்தில், அந்தக் கணக்கை வாரிசுதாரரின் பெயருக்கு மாற்றும் வசதி இருக்கிறது. அதேபோல், இந்தக் கணக்கை நீங்கள் எப்போது வேண்டுமானாலும் வங்கிகளுக்கு மாற்றிக் கொள்ள முடியும்.

Also Read : பி.டி.ஆர்.பழனிவேல் தியாகராஜன் Vs டி.கே.எஸ்.இளங்கோவன் – தி.மு.க-வுக்குள் சலசலப்பு… என்ன நடந்தது?

2 thoughts on “kisan vikas patra: இரட்டிப்பாகும் முதலீடு – போஸ்ட் ஆபிஸின் ரிஸ்க் ஃப்ரீ முதலீட்டுத் திட்டம் பற்றி தெரியுமா?”

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    References:

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