₹2000 PPF vs SIP Returns Calculation in Mutual Fund | Which is Better? [Hindi]

₹2000 PPF vs SIP Returns Calculation in Mutual Fund | Which is Better? [Hindi]
In this video by FinCalC TV we will see PPF vs SIP mutual fund returns calculation which is better using calculator in hindi. We will see deposits of Rs. 2000 in PPF and mutual funds via SIP every month for last 15 years and compare the returns or profits generated in both these options - PPF and Nifty mutual fund.
Mutual Fund has given better returns compared to PPF in long term.
SIP Calculator:
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PPF Calculator:
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PPF Features and Benefits Video:
• PPF Account Benefits &...
Income Tax on Rs. 2000 SIP Video:
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CHAPTERS:
00:00 PPF vs SIP Which is Better Intro
00:30 PPF Features & Benefits
01:13 What is SIP Investment?
01:53 Excel Calculator for PPF vs SIP
02:45 PPF Interest Calculation Example
03:32 Using PPF Calculator on FinCalC Blog
07:50 PPF Returns after 15 Years
08:34 SIP Returns Calculation Example
11:00 SIP Returns after 15 Years
12:02 SIP Profits vs PPF Profits
13:28 Using SIP Calculator on FinCalC Blog
14:41 Using Step up SIP Calculator
16:02 Conclusion
Step up SIP Returns Calculation Video:
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WHAT IS PPF?
PPF full form is Public Provident Fund, which is a government backed Saving Scheme. Many Indians invest in PPF and treat it as a retirement fund since it has a lock-in period of 15 years. Also it helps in saving income tax while claiming deductions under Section 80C (maximum deduction up to Rs. 1.5 Lacs in a financial year)
Features of PPF
- PPF or Public Provident Fund is a savings scheme offered by the Government of India.
- PPF has a lock-in period of 15 years
- Minimum deposit amount in a FY to keep your PPF account active is Rs. 500
- Maximum deposit amount for which you can earn interest in PPF account is Rs. 1,50,000
- The interest on the account is paid by the government of India and is set every quarter, It is also tax-free.
- PPF interest is calculated every month and is compounded annually
- The applicable PPF interest rate for Jan 2022 to Mar 2022, has been fixed at 7.1% annually.
- PPF or Public Provident Fund falls under EEE category (Exempt, Exempt, Exempt), which means, the Deposits, Interest and Maturity Amounts are all exempted from Income Tax
- Partial withdrawals are allowed in PPF account
- Loan facility is also available in PPF account
WHAT IS MUTUAL FUNDS SIP?
SIP full form is Systematic Investment Plan. SIP is a way to invest in mutual funds or any investment option every month regularly. In this article we will consider SIP as investments in mutual funds for simplicity. You can also do SIP in Stocks or Shares of companies.
Below are some benefits of SIP:
Rupee Cost Averaging: This is the term derived from dollar cost averaging but let’s understand this in terms of rupee! The fact that SIP invests in mutual funds regularly, helps you to buy less mutual funds units when market goes up (price goes up) and more mutual funds units when market goes down (price goes down). We will see this in examples below.
Lowering risk: As compared to lump sum investing where you invest entire amount in one go after seeing a small drop in market, your SIPs help you to balance your investment value by seeing the ups and downs of market while helping you invest regularly. This lowers the risk in SIP.
Mental Strength: In SIP you do not pay huge amount up front like lump sum investing. You always pay a fraction of amount which you can afford to invest and reap benefits over long term.
Achieving goals: You must have heard about - “Slow and steady wins the race“. It’s not about the sprints that you take but it’s about the marathon that you win slowly and with patience. SIP helps in achieving your long term goals by keeping aside some amount of money every month.
#PPFvsSIP #PPF #MutualFunds #SIP #fincalc
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DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.