Paise Kaha Invest Kare – SIP ya phir Recurring Deposit

Aksar logo ke mind me ye doubt hota hai ki SIP ya Recurring Deposit me se kaunsa plan achha hai. SIP Investment ek tarah ka recurring plan hai par ye mutual fund me invest hota hai. RD yani ki recurring deposit ek tarah ka saving bank account hai.

To aaj hum aapko SIP aur RD ke diffrence aur benefits ko compare karke bataynge ki konsa plan better hai.

SIP Vs Recurring Deposit

SIP Vs Recurring Deposit

Meaning

SIP me aap fixed amount weekly, monthly, quarterly, half yearly kisi bhi mutual fund company me invest kar sakte hai.

Recurring deposit me aapko ek fixed amount every month ek fixed period tak (ex.2 year, 3year, 5 year) bank ya post office me jama karna padta hai.

Interest Rate

SIP me interest rate fix nahi hota. Aap jo paise invest karte hai wo market me invest hote hai aur market ke situation ke hisab se aapko kum ya jyada return milta hai.

Recurring deposit me interest rate fix hota hai. Yaha aap befikar hoke investment kar sakte hai kyunki jitna interest rate bataya gaya hai utna return milta hai.

Actual Return

SIP ke large fund investor ne  12 to 15% return investor ko yearly basis pe pichhle 10 years me diye hai.

Recurring deposit me lagbhag sare bank yearly 5.75 to 7.25% tak return dete hai.

Dependency & Performance

SIP completely market pe nirbhar hota hai. Market ke price ke hisab se apko return milta hai. SIP ek long term financial goal ko dhyan me rakh kar kiya jata hai aur behtar return pane ke liye equity SIP ko jarur preference de.

Recurring deposit me market ka koi pressure nahi hota hai ye ek fix income plan hai.

Minimum Investment

SIP me minimum investment 500 Rs. se shuru hota hai yani agar apne equity me SIP start ki hai to apko har month 500 Rs. invest karne hoge.

Wahi recurring deposit me har bank me minimum investment ka criteria alag hota hai. Yaha aap minimum 10 Rs. se 1000 Rs. tak invest karke account open kar sakte hai.

Duration

SIP me aap minimum 6 month ke liye invest kar sakte hai aur jyada se jyada perpetual SIP bhi laga sakte hai.

Recurring deposit me minimum aap 6 month ke liye invest kar sakte hai aur maximum 10 saal ke liye invest kar sakte hai.

Premature closure

SIP me agar aap 365 days se pehle paise nikalte hai to 1% exit load lagta hai taki koi investor itni jaldi paise na nikal sake. Agar aap 365 days ke baad paise nikalte hai to aapko koi exit load nahi dena padta.

Recurring deposit me premature closure penalty har bank me alag hoti hai. Agar aap recurring deposit bandh karke paise nikalna chahe to us par aapko 1 to 2% penalty lagti hai.

Taxation

Agar aap SIP ek saal ke baad redeem karte hai to aapko koi tax nahi dena padta par ek saal ke andar redeem karne pe flat 15 % tax pay karna padta hai.

Recurring deposit me jo bhi interest milta hai us par apko tax pay karna padta hai.

Agar interest income 10000 Rs. se jyada hai aur apne PAN number bank me submit kiya hai to bank apko 10%  ke hisab se TDS cut karti hai aur PAN number submit na karne par 20% ke hisab se TDS cut karti hai.

Agar aap SIP ke through equity me invest karne chahte hai to apna investment long term (lagbhag 3 saal) rakhe aur agar apka plan short term investment ka hai to recurring depost best option hai. Aap apne financial goal decide karke in dono me se kisi me bhi invest kar sakte hai.

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

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