PPF aur FD mein exact returns compare karein — tax benefit ke baad kaun zyada deta hai, apni tax slab ke hisaab se instantly dekhein.
PPF better hai! (30% slab mein)
PPF se ₹1,13,990 zyada milega
| Metric | PPF | FD |
|---|---|---|
| Interest rate | 7.1% (tax-free) | 7% (taxable) |
| Effective rate (after tax) | 7.1% | 4.90% |
| Total invested | ₹1,50,000 | ₹1,50,000 |
| Total interest | ₹1,21,214 | ₹10,500 |
| Tax paid | ₹0 | ₹3,276 |
| Net returns | ₹2,71,214 | ₹1,57,224 |
Long term (15+ saal) ke liye PPF better hai — tax-free returns aur 80C benefit. Short term ke liye FD flexible hai. 30% slab mein PPF ka effective return FD se 2-3% zyada hota hai.
Haan — ₹1.5 lakh PPF mein (80C aur tax-free growth) aur baaki FD ya mutual funds mein lagayein. Diversification best approach hai.
FD interest aapki income mein add hota hai aur tax slab ke hisaab se tax lagta hai. 30% slab mein 7% FD ka effective return sirf 4.9% reh jaata hai.
Haan — PPF 15 saal lock-in hai. Emergency mein sirf partial withdrawal (7th year ke baad) ya loan (3rd-6th year) mil sakta hai. FD zyada liquid hai.