Do you know that your PPF account can be extended not just for 15 years but for lifetime? And if extension is done properly, your tax-free interest will also never stop! In this video, we will tell you the Extension Rules of PPF, the right method, and the mistake which can stop your earning. PPF account matures in 15 years and after that there are two ways to increase it: 1- Extension by Contributing (block of 5 years) If even after maturity you want to deposit money every year, then you will have to extend PPF in a block of 5 years by giving a written application. With this, both your 7.1% interest and tax benefits continue. 2- Auto Extension (without deposit) If you do not do anything after maturity, then PPF gets extended automatically. In this, you can withdraw money once every year, but if you do not make any deposit for a year, then you will never be able to make it a deposit account later. The most important thing – you can increase PPF unlimited times, in blocks of 5-5 years! Just remember to submit the Extension Form within 12 months of maturity.

This video is about Post Office Monthly Income Scheme (MIS), which is perfect for those who want to convert their savings into a safe and reliable investment. In MIS, you have to invest only once and after this you keep getting fixed and guaranteed income every month for 5 years. At present, this scheme offers 7.4% annual interest, which is more than the FD of many banks. In this scheme, you can invest from ₹ 1,000 to ₹ 9 lakh (single account), whereas in joint account, investment facility is available up to ₹ 15 lakh. For example, if you deposit ₹9 lakh, you start getting a fixed income of around ₹5,550 every month. After completion of five years, your entire Principal Amount is returned and if you wish, you can also renew it again. The most important thing is that MIS is a 100% government guaranteed scheme, in which there is neither any market risk nor any fluctuation. This is a great option especially for retired persons, housewives and low-risk investors. The documents required for this, the account opening process and all its advantages and benefits have been explained in detail in the video. If you want steady income every month, then this plan is made only for you. Don’t forget to Like, Share and Subscribe the video!

Is your hard-earned money sitting in a savings account just earning nominal interest? Then this video is for you! Today we will talk about the 444 day special FD scheme of government banks, which is giving better returns and guaranteed security. In this video, know at what interest rates SBI, Punjab and Sindh Bank, Bank of Baroda, Indian Bank, IOB and Canara Bank are giving you the benefit. Know how an FD of ₹8.55 lakh can earn more than ₹70,000 interest in just 444 days! Which banks are offering interest rates ranging from 6.6% to 6.7% and which bank is the best in terms of safety and trust. If you want guaranteed returns with low risk, then this FD scheme should definitely be in your portfolio. Keep in mind – interest rates may change from time to time, so be sure to consult your bank’s website or a financial advisor before investing. Like, share the video and tell in the comments – Which FD scheme did you like the best?

Have you also invested in digital gold? So be careful! Because SEBI has now issued a warning regarding digital gold. Many popular brands and apps in the market like Tanishq, MMTC-PAMP, Aditya Birla Capital, Caratlane, Jos Alukkas, PhonePe and Shriram Finance are selling digital gold from just ₹100. But the surprising thing is that this entire segment is not under the control of SEBI or any regulatory body. SEBI has clarified that digital gold or e-Gold is neither a security nor a commodity derivative. That means if there is default or fraud on any platform, investors will not get any protection. This is why questions are now being raised among investors about the security of digital gold. However, there are many regulated and safe options for investing in gold — such as Gold ETFs (Exchange Traded Funds), Electronic Gold Receipts (EGRs) and Exchange-Traded Commodity Derivative Contracts. All of them operate under SEBI regulations and investments in them can be made through SEBI-registered intermediaries. So be careful before investing, and make sure your money is invested in the right place.

If you want an investment option that is tax-free, protected by the government and beneficial in the long term, Public Provident Fund (PPF) is a popular and trusted option. But the question is whether in today’s era, when both inflation and stock market (Sensex) are changing rapidly, is PPF still equally beneficial? In the 1990s, interest on PPF was up to 12%, but with time these rates fell and since 2020 till now it is stable at 7.1%. On the other hand, Sensex has given an average CAGR return of 12.2% in the last 10 years, while the average inflation rate has been 4.79%. However, capital gains tax has to be paid on stock market earnings, whereas PPF is completely tax-free and tax exemption under 80C is also available on investments up to ₹ 1.5 lakh annually. In this video/post we will understand how PPF has performed against inflation and the stock market, and whether it can still be considered a smart investment option.

Now another great opportunity has come for small investors! RBI Governor Sanjay Malhotra has announced that now you can invest in Treasury Bills i.e. T-Bills through SIP (Systematic Investment Plan)-and that too directly from RBI’s Retail Direct Platform. T-Bills are government short-term debut securities with maturity of 14, 91, 182 or 364 days. They invest at least ₹ 25,000 and are purchased at discounts – that is, you get full face value on maturity. For example, if you bought for ₹ 128, you will get ₹ 130 on maturity. RBI’s Retail Direct platform was launched in 2021, where you can invest directly in G-SECs, SGBs and now T-Bills without a broker. Now with the option of SIP, you can invest a disciplind and safe investment by applying a little amount every month. Yes, keep in mind that they are slightly less liquid, that is, it can be difficult to withdraw money before maturity. But this is a golden opportunity for investors who want safe and government-attested returns!