PPF કે SIP? કોણ આપશે તગડું રિટર્ન?

PPF અને SIP બન્ને લાંબા ગાળાના રોકાણ માટે બેસ્ટ ઓપ્શન છે.

[{"selector":"#anim-401d4c57-fdf7-4913-9ae9-74b89852f820","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-18f1e22f-7022-4dfc-b43a-8b1165ecf51b","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-16c81dd4-1587-429a-9eea-8ee100a795c1","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-27383536-e777-4d70-98da-5218049ad043","keyframes":{"transform":["translate3d(0px, 186.22852%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1dce2b71-cfe9-4134-9516-3b270586dfc3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-de848f9e-d6fd-4b9f-8b36-1a4660d1a4d7","keyframes":{"transform":["translate3d(0px, 704.07386%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b7bc367-cabc-49d9-b2ec-38adfb5640bd","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6e75d472-386c-4e49-ad4a-9b6643fa627c","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 252.77783%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e9969457-29df-4d53-afc2-9c6242105d3f [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

PPF એટલે 'પબ્લિક પ્રોવિડન્ટ ફંડ', જેમાં તમને સુરક્ષિત અને ગેરંટીડ રિટર્ન મળે છે.

[{"selector":"#anim-5ea8e054-35c0-4de9-be53-561a42af9afd","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-68984476-52c7-4731-a00f-8df78055f441","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3a0ea7af-8045-4496-b388-1ba21cc62493","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f8f7a31-66dd-4c23-99d9-345e5bf7e10e","keyframes":{"transform":["translate3d(0px, 131.44842%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3fc10ea-afbd-44d6-bb8a-b5fe8e5b35b4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8dcd9078-d8e8-4b5d-aa75-d8ec679cd684","keyframes":{"transform":["translate3d(0px, 707.40735%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86985af6-bae1-41a7-bcd8-77892ad50b8d","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a957bdc5-b7d1-42eb-b7b0-351b42390881","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 259.02782%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5f5e1b29-bfaa-4b97-9551-16d6ac96fa0c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

બીજીબાજુ SIP એટલે 'સિસ્ટેમેટિક ઇન્વેસ્ટમેન્ટ પ્લાન', જેમાં રિસ્ક અને રિટર્ન બન્ને વધારે હોય છે.

[{"selector":"#anim-122b3586-f73e-4077-8ad2-273eb492998f","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-77cc6f40-1956-4da6-b79c-3c57eb701f47","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4bfcf172-76bd-497c-ac31-819340471b87","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6d5da68-312f-4be6-8cd1-2b20628a58b2","keyframes":{"transform":["translate3d(0px, 133.53909%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ad96916d-c944-41c4-8d18-b3b8147686d4","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d6a10a0b-2532-41f2-b892-b319258eb3c2","keyframes":{"transform":["translate3d(0px, 707.40735%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-381b2b25-ed43-46f4-accc-9bd9132c29de","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4d201091-ee7b-4ef9-a6bf-3a4d0a5d749e","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 256.52786%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-aa2a8b6a-85e8-4657-b1a9-34898284cff1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

PPFમાં લૉક-ઇન પિરિયડ 15 વર્ષ સુધીનો હોય છે. જણાવી દઈએ કે, આ એક સરકારી સ્કીમ છે.

[{"selector":"#anim-bab2136d-d9a0-49cb-b0dc-b33c29549f54","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-03508c3c-e645-4730-a117-45b72bd2769b","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-26bc386c-d206-4706-b320-e3db2d02c7f3","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-94467b08-d695-4f6b-b568-94155aeec9e2","keyframes":{"transform":["translate3d(0px, 136.80554%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e814da69-7a3f-4fc6-9d1b-66296ae26e26","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-0e3462d7-1845-433b-962d-9aca5ba8de62","keyframes":{"transform":["translate3d(0px, 786.00870%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-97f6878a-dd67-45c0-9c46-9be6bf6e0498","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-69094d1d-082f-4fc7-ba91-0d8a4ebe340c","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 264.02783%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d1b1d52d-4a4b-4701-8c3a-8891cfd8f17b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

SIPમાં ફ્લેક્સિબલ ઇન્વેસ્ટમેન્ટ હોય છે. આ સિવાય તમે SIPમાં આંશિક ઉપાડ પણ કરી શકો છો.

[{"selector":"#anim-1d746443-8747-40fa-941c-58b47417c342","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-74d790fa-67bf-424f-a08e-38076e174c8d","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-786c1888-25a8-465d-bf43-f6b620561a7b","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b652625a-f3f8-4eca-b6e6-48d62f947d66","keyframes":{"transform":["translate3d(0px, 142.52137%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-1cf43605-d9f2-46e0-a565-543fcdcb38bb","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-fadd2a39-ab54-4a9e-bfbe-9b07c5f27376","keyframes":{"transform":["translate3d(0px, 757.93733%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-da27d596-7ad8-42af-8410-7745ab6c0948","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-4ca66ae9-5e64-40f8-b640-8d30846db8f3","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 264.02783%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dfda7a3d-858c-468e-a528-804d2aeff433 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

PPFમાં તમને વાર્ષિક 7.1% વ્યાજ મળે છે, જ્યારે SIPમાં અંદાજિત 12% વ્યાજ મળે છે.

[{"selector":"#anim-e6443437-085a-45de-94da-5d848728c94b","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-00a8c7d4-f331-4e88-ba1b-e01a9e97aaf1","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a2bfd717-a4eb-4ea7-b0e4-e2a47b13672d","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-a29eddd3-1161-4998-8d72-c504b64bd936","keyframes":{"transform":["translate3d(0px, 133.23410%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ffc1c779-948c-40bb-9293-3a32a209cc89","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b6a5b4c3-f7c6-41a0-9a4c-74d6fb7382a8","keyframes":{"transform":["translate3d(0px, 720.74069%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-86ac3d30-7680-49c9-b77b-8172cbbc13cb","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9c1f1646-7fc7-4cfb-9116-be8d8c5f4431","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 262.77785%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b909b9c9-d4a5-4aa6-aec6-623441f967be [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

તમે PPFમાં 15 વર્ષ સુધી 1.5 લાખ રૂપિયા રોકાણ કરીને ટોટલ 39.45 લાખ રૂપિયા મેળવી શકો છો.

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જો તમે SIPમાં 15 વર્ષ સુધી 1.5 લાખ રૂપિયાનું રોકાણ કરો છો તો તમે 59.49 લાખ રૂપિયા મેળવી શકો છો.

[{"selector":"#anim-71b8c3c8-7101-4954-aae4-409fafa54158","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7b141726-1f4c-4037-87da-708b85942729","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-b54279f3-fe13-4815-bf6b-2352e3093ecf","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9c388090-998a-4eeb-ac58-50a6a9bed807","keyframes":{"transform":["translate3d(0px, 138.16871%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f51524bf-b8b9-46a8-ae2f-ca196606cdc9","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f33df4df-f48b-44d7-9245-f68c6b54c18c","keyframes":{"transform":["translate3d(0px, 707.40735%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6ca53c6f-9503-4013-ab55-95e93bd0495c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-f44b2fcd-b080-4e25-943c-b64c8d5d56fe","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 259.02782%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e3509ebb-c47a-4f0e-ae7f-f8ce684288f1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

જણાવી દઈએ કે, PPF રિટર્ન પર કોઈ ટેક્સ નથી લાગતો પરંતુ SIP રિટર્ન પર લોંગ ટર્મ કેપિટલ ગેઇન ટેક્સ લાગે છે.

[{"selector":"#anim-07285975-413e-4fa8-b707-80e104e6006d","keyframes":{"opacity":[0,1]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-bb24b337-fa4c-44d1-98a0-4ee3bd1e7356","keyframes":{"transform":["translate3d(0px, 54.78363%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-dd837c2a-af88-41c7-86d5-aedc153d58c5","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-af026d5a-5d9f-45ce-bb9b-622d8c9426f1","keyframes":{"transform":["translate3d(0px, 157.61316%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-7a995151-ae25-4064-b763-5c3b10e51e5c","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-25d4a928-f2c0-4f3a-9384-337c35aed1f0","keyframes":{"transform":["translate3d(0px, 747.40718%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-36078f15-60dc-406d-99cc-e1419c3b8162","keyframes":{"opacity":[0,1]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8a085807-911b-4c50-a37d-4145f89defa1","keyframes":{"transform":["rotate(-270deg) translate3d(0px, 281.52790%, 0) rotate(270deg)","rotate(-270deg) translate3d(0px, 0px, 0) rotate(270deg)"]},"delay":0,"duration":1500,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6cdfccc4-7cce-450e-b4cd-04ffd1b60b2b [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(0%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}]

(નોંધ: કોઈપણ રોકાણ કરતાં પહેલા ફાઇનાન્શિયલ એડવાઇઝરની સલાહ લો.)

આ પણ જુઓ

[{"selector":"#anim-2c706ac5-1d7e-4259-8ef7-51a4d3868690","keyframes":{"opacity":[0,1]},"delay":0,"duration":3000,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6d25cdda-703d-4372-97df-cd56cebfd7f3","keyframes":{"transform":["translate3d(-128.84614%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-763137f2-221c-403c-b2d1-08d893297820","keyframes":{"opacity":[0,1]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-8e39e1c1-eafc-4aaa-8bd4-a5fbec39961c","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-04f2f86c-3821-45e9-8389-743bec7befb0","keyframes":{"opacity":[0,1]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-99322df3-ad2c-4ce2-9a33-6778f49372d8","keyframes":{"transform":["translate3d(-167.52136%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e6f87348-e057-418a-ba32-f38a421440f5","keyframes":{"transform":["translate3d(-128.84614%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-ca81138c-ac4f-4e9c-9518-1292b21de3de","keyframes":{"opacity":[0,1]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-46814ca6-b318-4929-be76-8d47790abb5f","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ffefb9d4-6057-4732-bde2-48fda21a2fb4","keyframes":{"opacity":[0,1]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-5123ecd0-d8bc-40cc-a3e2-a7c57b411455","keyframes":{"transform":["translate3d(-162.82051%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":100,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-da751340-764c-4732-955b-395bd2072103","keyframes":{"transform":["translate3d(-128.84614%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":300,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9d0c5fed-00a3-4308-b818-a5838801f807","keyframes":{"opacity":[0,1]},"delay":300,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-02c8782e-52e8-4f2b-be7c-24ce3712bc99","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":300,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-ba3bf931-a792-4dc3-8f70-6b916426be2a","keyframes":{"opacity":[0,1]},"delay":200,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-e26065f6-138d-46bf-aa25-e5272b9e5bcd","keyframes":{"transform":["translate3d(-159.2742%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-3a0f76b5-93c2-4b8f-a789-877678d9f0b1","keyframes":{"transform":["translate3d(-128.84614%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":250,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-79ef4a78-383e-4927-af58-256953370fdf","keyframes":{"opacity":[0,1]},"delay":250,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-6ad0bfe9-8a77-4a02-b048-ec83bb75164d","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":250,"duration":1400,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}] [{"selector":"#anim-26f3c0de-f086-49be-8c96-eef1bf3bfffa","keyframes":{"opacity":[0,1]},"delay":200,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-9f3dcb71-df65-48d9-ac23-5f5f94949ac1","keyframes":{"transform":["translate3d(-168.69565%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":200,"duration":1400,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] સવાર સવારમાં કોયલનો અવાજ સંભળાવો કઈ વાતનો સંકેત આપે છે? Jioના આ પ્લાનમાં 2.5GB ડેટા અને અનલિમિટેડ કોલિંગનો લાભ, જાણો કિંમત Vastu Tips: સવારે મોરનો અવાજ સંભળાવો કઈ વાતનો સંકેત આપે છે? Vastu Tips: સવાર સવારમાં ચકલીનો અવાજ સાંભળવો કઈ વાતનો સંકેત આપે છે?

PPF કે SIP? કોણ આપશે તગડું રિટર્ન?

PPF અને SIP બન્ને લાંબા ગાળાના રોકાણ માટે બેસ્ટ ઓપ્શન છે.

બેસ્ટ ઓપ્શન

PPF એટલે 'પબ્લિક પ્રોવિડન્ટ ફંડ', જેમાં તમને સુરક્ષિત અને ગેરંટીડ રિટર્ન મળે છે.

સુરક્ષિત અને ગેરંટીડ રિટર્ન

બીજીબાજુ SIP એટલે 'સિસ્ટેમેટિક ઇન્વેસ્ટમેન્ટ પ્લાન', જેમાં રિસ્ક અને રિટર્ન બન્ને વધારે હોય છે.

રિસ્ક અને રિટર્ન બન્ને વધારે

PPFમાં લૉક-ઇન પિરિયડ 15 વર્ષ સુધીનો હોય છે. જણાવી દઈએ કે, આ એક સરકારી સ્કીમ છે.

લૉક-ઇન પિરિયડ

SIPમાં ફ્લેક્સિબલ ઇન્વેસ્ટમેન્ટ હોય છે. આ સિવાય તમે SIPમાં આંશિક ઉપાડ પણ કરી શકો છો.

ફ્લેક્સિબલ ઇન્વેસ્ટમેન્ટ

PPFમાં તમને વાર્ષિક 7.1% વ્યાજ મળે છે, જ્યારે SIPમાં અંદાજિત 12% વ્યાજ મળે છે.

વાર્ષિક વ્યાજ

તમે PPFમાં 15 વર્ષ સુધી 1.5 લાખ રૂપિયા રોકાણ કરીને ટોટલ 39.45 લાખ રૂપિયા મેળવી શકો છો.

PPFમાં કેટલું રિટર્ન?

જો તમે SIPમાં 15 વર્ષ સુધી 1.5 લાખ રૂપિયાનું રોકાણ કરો છો તો તમે 59.49 લાખ રૂપિયા મેળવી શકો છો.

SIPમાં કેટલું રિટર્ન?

જણાવી દઈએ કે, PPF રિટર્ન પર કોઈ ટેક્સ નથી લાગતો પરંતુ SIP રિટર્ન પર લોંગ ટર્મ કેપિટલ ગેઇન ટેક્સ લાગે છે.

કોના પર કેટલો ટેક્સ?

(નોંધ: કોઈપણ રોકાણ કરતાં પહેલા ફાઇનાન્શિયલ એડવાઇઝરની સલાહ લો.)

આ પણ જુઓ