PPF vs Mutual Funds Which is Better? SIP Returns With Calculators [Hindi]

PPF vs Mutual Funds Which is Better? SIP Returns With Calculators [Hindi]
In this video by FinCalC TV we will see PPF vs Mutual Funds which is better in hindi. We will see PPF interest calculation and Mutual Fund Returns calculation using PPF and SIP calculators online.

For better returns you should invest in Mutual funds over long term compared to PPF with lock in period of 15 years.

PPF Calculator:
https://fincalc-blog.in/ppf-calculato...

SIP Calculator:
https://fincalc-blog.in/mutual-fund-s...

Mutual Funds for Beginners Series:
   • Mutual Funds for Beginners  

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Chapters:
00:00 PPF vs Mutual Funds Intro
00:35 PPF Account Features and Benefits
01:28 What are Mutual Funds
02:05 SIP Investment in Mutual Funds
02:27 Using FinCalC PPF Calculator
07:32 PPF Interest Rate Change Calculation
08:43 PPF Interest After 15 Years
10:05 Using FinCalC SIP Calculator
12:34 SIP Returns After 15 Years
13:04 PPF vs SIP Returns Difference
15:07 Past SIP Returns of 15 Years
17:17 PPF vs Mutual Funds Conclusion

Income Tax on SIP:
   • Income Tax on SIP Maturity & Redempti...  

Save Income Tax on Capital Gains:
   • How to Save Income Tax on Capital Gai...  

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 2023 to Mar 2023, 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 FUND SIP CALCULATOR?
SIP (Systematic Investment Plan) calculator is a calculator that helps you know how much profit you can expect from mutual funds based on your deposits and expected rate of return. This helps you in defining and planning for your goals according to the amount of deposit you can afford to contribute every month.

SIP can be monthly, quarterly, half yearly or yearly as well. The above calculator helps your calculate your SIP returns based on monthly deposits as monthly frequency of deposits are more common.

HOW MUTUAL FUND SIP CALCULATOR WORKS?
It’s very easy to understand how SIP works.

You deposit a predefined amount every month for the tenure that you select and based on the monthly rate of return (derived from expected rate of return), you calculate your SIP returns. We are not talking about past SIP returns here, but future returns.

For example, if expected rate of return is 10% in a year in one of the Best Mutual Funds, we divide this rate of return by 12 to get monthly rate = 10 / 12 = 0.83%. This rate is then multiplied by your balance amount and divided by 100. So let’s say, you deposit Rs. 1000 in first month, our calculation will look like:

= 0.83% * Rs. 1000 / 100
= Rs. 8.33
So, Rs. 8.33 is the profit after 1 month based on expected return.

#ppf #mutualfunds #sipcalculator #fincalc

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DISCLAIMER:
Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown. It is advised to seek professional help before taking any financial decisions. The owner of this channel shall not be liable in any way.