ELSS Ya Phir PPF – Kaun Si Investment Hai Behtar

Jab bhi hum koi tax saving scheme ke bare me sochte hai to ELSS aur PPF hamare dimag me jarur aata hai aur hum confuse rehte hai ki ELSS fund me invest kare ki PFF fund me !

Iss confusion ko hum yaha article me dur kar denge. Hum aapko dono ko compare karke inke difference aur dono me se konsa behtar hai ye apko bataynge.

ELFF Vs PPF

ELSS Ya Phir PPF

Investment area

ELSS fund me hum invest karte hai to hamara paisa equity me lagta hai yani ki hamara paisa share me lagta hai. Paise share market me lagte hai jo ki risky hai isliye ELSS risky ho jata hai.

PPF hamare paise government bond me lagate hai. Government me paise invest hone ki vajah se ye bohat secure mana jata hai aur ye bilkul hi risk free hai.

Return

ELSS me market me paise invest hote hai isliye long term ke investment me yaha fayda hota hai.

PPF government bond me paise invest karte hai isliye yaha return bank ke jitna ya usse bhi kum milta hai.

Investment amount

ELSS me aap 500 Rs. se investment kar sakte hai. ELSS me maximum amount ki koi limit nahi hoti aap jitna chahe utna paisa invest kar skate hai. ELSS me koi fixed amount yearly invest nahi karni padti hai.

PPF me bhi aap 500 Rs. se investment shuru kar sakte hai lekin yaha aap maximum 1.5 lakh hi invest kar sakte hai usse jyada nahi aur to aur PPF me apko minimum 500 Rs. har saal jama karna compusalry hai.

Duration

ELSS me lock-in period 3 saal ka rehta hai. 3 saal me aap saare paise nikal sakte hai. Yaha koi loan nahi milta aur history dekhe to equity hamesha jyada return deta hai ye dekha gaya hai.

PPF me lock in period 15 saal ka rehta hai. PPF aap loan bhi le sakte hai aur partial paise 5 saal ke baad withdraw kar sakte hai.

Interest Rate

ELSS me pichhle 10 saal ka average interest rate 17.02% raha hai. Pichhle kuch salo me ELSS ne bohat achhe return diye hai. Agar aap long term invest karte hai to ELSS me bohat achha return mil sakta hai

PPF me interest bank deposit jitna milta hai. Pichhle 10 saal ka average 8.22% ka interest rate batata hai. Yaha kafi kum interest rate milta hai.

Tax Benefit

ELSS aur PPF dono me tax benefit milta hai kyunki dono section 80 C ke under aate hai jis vajah se yaha aapko full tax deduction mil jata hai. Ye Tax deduction EEE ke under me aata hai yani apko tax exemption mil jata hai aur to aur jo bhi interest milta hai wo bhi tax free hota hai.

Agar aap young age se hai aur risk lekar jyada return pana chahte hai to ELSS me invest karna aapke liye behtar hai aur agar aap retirement ke liye plan kar rahe hai aur risk free income gain karna chahte hai to PPF me invest karna behtar hai.

Iss topic related aur koi query hai to aap comment box me puchh sakte hai.

Bookmark the permalink.

Leave a Reply

Your email address will not be published. Required fields are marked *

CommentLuv badge