A tawi zawngin “ Financial Literacy” tih chu “ Hmun hima Sum khawl leh peipun nachang hriatna”a tih theih awm e.
Mizo mipuite hi hemi kawngah kan la thangharh tawk lo hle tih chu CHIAHPUAM -in min tihbuai dan atang mai pawh hian phat rual ani lo.Sum khawl “ Savings” neih hi kan uar deuh deuh a pawimawh ani.
Sum khawl “Savings” nei thei tura thil pawimawhte:
1.Sum khawl tur “ Savings” ruahman.
2.In renchem- Tui, electric, Telephone etc hman chung changah.
3.Tul lova Sum hman loh-zuk leh hmuam etc.
4.Bazar leh dawr tlawh tam loh. 5.Pawisa pai tam loh. 6.Ba a thil lak uar loh.
Sum Peipunna atana hmun him leh tha :
Kan Sum In lamah kan kawl mai chuan him lohna chen te a awm thin a, tin, Interest a nei dawn lo tih a chiang a, ‘Interest’ nei thei tura sum peipunna chang kan hriat a hun ta hle a ni.
A. Mitin tana Sum peipunna hmun him :
1) National Savings Schemes: Central Sorkar-In Dak In kaltlanga National Savings Schemes chi hrang hrang a duan R.D (Recurring Deposit) te, K.V.P (Kisan Vikas Patra) te, S.C.S.S (Senior Citizens Savings Schemes ) leh Scheme dang dang te hi Sum peipunna rintlak leh hlawk an ni. Pawisa dahtute tan Dak-In a kal buai kher ngai lovin Institutional Finance & State Lottery Department-in agent (SAS & MPKBY)atana mi rinawm a rawihte kal tlangin heng Scheme hrang hrang hian Sum peipun theih a ni.
2)RBI hriatpui Bank : RBI-in phalna (License) a pek Bank hrang hrang- SBI, Apex bank, Rural Bank leh Bank dang dang kan ramah a awm ta nual a, heng Bank hrang hrangah te hian Term Deposit chi hrang hrang hmangin “Interest” hlawk takin Sum peipun theih reng a ni.
3)Insurance Company :Mizoramah hian Insurance Company hrang hrang -L.I.C (Life Insurance Corporation) Bajaj Alliance-te, Reliance leh Insurance Company dang dang dan ang thlapa Company’s Registration ACT hnuaia in Registered an awm ve ta nual a, heng Insurance Company-te hi Sum peipunna tha tak an ni tlangpui hlawm. Amaherawhchu Insurance Company-te sumdawnna hi Stock Market dinhmuna in nghat anih miau avangin RISK erawh a sang deuh thung.
B. Sorkar Hnathawk tan bika sum peipunna tur hmun him :
1. G. P. Fund : G.P Fund Account-a Sum dah uar hi RISK awm lo leh a pung sang bawk si a Sum khawlna tha tak a ni a, engtik lai mahin Interest Rate hi a chhe ngai lo tih kan hriat a pawimawh.
2. PRS Schemes : Kum 5 term a ni a, a pung 7.5% p.a anih bakah Interest hi Compound Interest a chhut a ni a, a pung a that mai bakah hian loh theih lova lak chhuah kan mamawh anih pawhin Kum 3 hnuah 3.5% p.a Compound-in engtik lai pawhin awlsam te a lak chhuah theih reng a ni.
Sum peipun chung changa mi tamtak an lo chesual tawhna chhan chu “teirei anpeih loh vang “ a ni chawk. Keini YMA member, teirei peih mite hi chuan hun rei lo ringawt thlir lovin, nakina kan hlawk zawkna tur thlir chunga Dan ang tak leh hlawk tho si a Sum khawl leh peipun nachang kan hriat a hun ta hle mai. Sum khawl leh peipun kawnga Mizo mipui ten humsual kan dai zel lohnan a thei ang anga YMA member leh sawrkar hmalakna kan tawiawm a tul hle a ni. Chutianga kan tang ho lo anih chuan kan chhungakua emaw kan YMA member pui te emaw kan Mizo puite chungah emaw harsatna alo thleng palh ang tih a hlauhawm hle a ni.
Issued by Directorate of Institutional Financeand State Lottery
Govt. of Mizoram
