SIP vs PPF: ₹5000 मंथली निवेश पर कहां मिलेगा ज्यादा रिटर्न? कैलकुलेशन से समझें

शेयर बाजार में तूफानी तेजी चलते निवेशकों के बीच सिस्टमैटिक इनवेस्टमेंट प्लान यानी SIP का क्रेज तेजी से बढ़ा है...यही वजह है कि अगस्त महीने में म्यूचुअल फंड इंडस्ट्री में 1 लाख करोड़ रुपए से ज्यादा का निवेश आया...धमाकेदार रिटर्न की वजह से निवेशकों को SIP तो पसंद है, लेकिन सुरक्षित और गारंटीड रिटर्न के लिए आज भी पब्लिक प्रॉविडेंट फंड यानी PPF का जलवा बरकरार है....निवेश के लिहाज से SIP और PPF दोनों काफी पॉप्युलर इनवेस्टमेंट टूल्स हैं, तो पहले समझतें है PPF और SIP हैं क्या...और कैलकुलेशन से समझेंगे कि रिटर्न के मामले में कौन है किस पर भारी..

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~HT.178~ED.148~PR.147~

Transcript

00:00Due to the storm in the share market, the systematic investment plan, i.e. SIP, has increased rapidly.

00:08This is why in August, the mutual fund industry invested more than Rs. 1 lakh crore.

00:15Because of the explosive return, the investors like SIP, but for a secure and guaranteed return,

00:22the public provident fund, i.e. PPF, is still in force.

00:26Namaskar, I am Digvijay Singh, and you are welcome to GoodReturns.

00:31In terms of investment, both SIP and PPF are popular investment tools.

00:36So, let us first understand what PPF and SIP are, and from the calculation we will understand

00:41who is more important in terms of return.

00:45Systematic investment plan, i.e. SIP, invests money in the mutual fund.

00:51However, SIP is a high-risk investment tool, in which the return depends on the movement of the share market.

00:58It is believed that an investor in SIP can get a return of up to 12% on average.

01:04Now, if we talk about PPF, then this is a government saving scheme, which matures in 15 years.

01:10In this, an investor gets an annual interest rate of 7.1%.

01:15It should be noted that in PPF, an investment of up to Rs. 1.5 lakh and at least Rs. 500 can be made during one financial year.

01:26In this scheme, investors also get the benefit of tax exemption.

01:30As far as the best option for return is concerned, let us understand this from the calculation.

01:34If an investor invests Rs. 5000 per month in PPF, then an annual investment of Rs. 60,000 is made.

01:43If the investment is continued for 15 years, the total amount deposited in the account will be Rs. 9 lakh.

01:49According to the annual interest rate of 7.1%, an investor will get a return of only Rs. 7,27,284 in 15 years.

02:00That is, an investor will get a total of Rs. 16,27,284 on maturity.

02:07If an investor invests Rs. 5000 per month in SIP and continues it for 15 years, the total amount deposited in the account will be Rs. 9 lakh.

02:17According to the annual interest rate of 7.1%, an investor will get a return of Rs. 25,22,880 on maturity.

02:29That is, an investor will get a total of Rs. 16,22,880 on maturity.

02:36According to the calculation figures, an investor gets the highest return in SIP, which is a high-risk investment tool.

02:45In PPF, under Section 80C of the Income Tax Act, an annual tax exemption of up to Rs. 1.5 lakh is given.

02:56Also, there is a guaranteed return on investment.

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SIP vs PPF: ₹5000 मंथली निवेश पर कहां मिलेगा ज्यादा रिटर्न? कैलकुलेशन से समझें | GoodReturns

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