PPF vs SIP: हर महीने 10,000 निवेश करने को हैं तैयार?

आपके पास 2 बेहद लोकप्रिय ऑप्‍शन हैं. पहला- पब्लिक प्रॉविडेंट फंड (PPF) और दूसरा- सिस्टमैटिक इन्वेस्टमेंट प्लान (SIP)

[{"selector":"#anim-7d2e7d16-4301-4007-9af3-9f542315a7a3 [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"}] [{"selector":"#anim-e4390e64-6eea-4be7-85e0-8766c90456d6","keyframes":{"transform":["translate3d(-110.71429%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-8250f6ed-fbcc-4294-9f85-b00d8e838a09","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-537f972b-7e89-4f5a-a49d-1c948acf4cdc","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}]

हालांकि ये दोनों ऑप्शन अलग-अलग एसेट क्लास से जुड़े हैं

[{"selector":"#anim-becd7abd-9afd-45b7-a8be-2e9f2f6531a1 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(34.179687404002955%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-5c2db309-2f05-481f-bc1b-0e2b4dce9fff","keyframes":{"transform":["rotate(-540deg) scale(0.1)","none"],"opacity":[0,1]},"delay":0,"duration":1000,"fill":"both","iterations":1}]

ब्लिक प्रॉविडेंट फंड (PPF) एकाउंट एक लॉन्ग टर्म सेविंग स्कीम है

[{"selector":"#anim-680e8059-c9be-4654-9f6d-2e328a8c8fb9","keyframes":{"transform":["translate3d(-113.39032%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .8, 1)","fill":"both"}] [{"selector":"#anim-a68ab02c-6dda-46fd-b9fe-a1fa115a0c29","keyframes":{"transform":["rotateZ(-180deg)","rotateZ(0deg)"]},"delay":0,"duration":1000,"easing":"cubic-bezier(.2, 0, .5, 1)","fill":"forwards"}] [{"selector":"#anim-fa727a61-bfc6-4898-a4b1-fd673259da28","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}] [{"selector":"#anim-faef0c05-e8df-43a5-b181-cacbde85f57e","keyframes":{"transform":["translate3d(0px, -159.5853%, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.2, 0.6, 0.0, 1)","fill":"both"}]

PPF एकाउंट पर मिलने वाले ब्याज की दर सरकार समय-समय पर तय करती है

[{"selector":"#anim-fe34a2ee-a1db-418f-b568-f0bd3ee9d8c6 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate(10.80000003033287%, 0%) scale(1.5)","translate(0%, 0%) scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-46fc3b93-29df-4b2f-a9aa-da24d413c19a","keyframes":{"transform":["rotate(-540deg) scale(0.1)","none"],"opacity":[0,1]},"delay":0,"duration":1000,"fill":"both","iterations":1}]

सिस्टमैटिक इनवेस्टमेंट प्लान (SIP) को म्यूचुअल फंड्स में निवेश का बेहतर तरीका माना जाता है

[{"selector":"#anim-22d9f308-ba99-4baf-a007-6c1a001458d3","keyframes":{"transform":["rotate(-540deg) scale(0.1)","none"],"opacity":[0,1]},"delay":0,"duration":1000,"fill":"both","iterations":1}] [{"selector":"#anim-3da64a4b-6743-466b-a897-ace246345a89","keyframes":{"transform":["translate3d(-113.99417%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-d3022997-8822-426c-8781-dde6580f5e7e","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-2fcfbda7-33a0-4969-bb78-ffccfe169354","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

15 साल तक एक बराबर रकम का निवेश करने पर PPF के मुकाबले SIP में कहीं ज्यादा रिटर्न मिलने की उम्मीद रहती है

[{"selector":"#anim-12e71846-0043-4770-9bd9-4c1768ff6f0f","keyframes":{"opacity":[0,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-b6a867c7-2519-41ae-b0e5-ccd25ba75104","keyframes":{"transform":["scale(0.3333333333333333)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-f5220a91-2213-42fc-8ffc-dcbb6f3e6a65 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-14.843749904002948%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}]

लेकिन ये नहीं भूलना चाहिए कि PPF में गारंटीड रिटर्न मिलता है

[{"selector":"#anim-5c5df226-0002-475d-9608-7eae2fd5ae7c [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-39.45312490400295%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-38689ace-d92a-4eca-b383-c5b1aa757c6d","keyframes":{"opacity":[1,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-4436d4a4-e4f4-452d-9f48-5d708150845a","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-9aab18d9-c7c5-481e-a73b-7716dbc16abf","keyframes":{"transform":["rotate(-540deg) scale(0.1)","none"],"opacity":[0,1]},"delay":0,"duration":1000,"fill":"both","iterations":1}]

जबकि SIP के जरिए इक्विटी निवेश में बाजार से जुड़ा जोखिम मौजूद रहता है

[{"selector":"#anim-76dade62-c2c3-4225-88cb-b4e2eac3c909 [data-leaf-element=\"true\"]","keyframes":{"transform":["translate3d(-34.179687404002955%, 0, 0)","translate3d(0%, 0, 0)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-78032ac3-450f-4293-9d95-cf2b688e6759","keyframes":{"opacity":[1,1]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"both"}] [{"selector":"#anim-30d4df5a-7e74-4912-9fa8-d84034ceb37c","keyframes":{"transform":["scale(3)","scale(1)"]},"delay":0,"duration":2000,"easing":"cubic-bezier(.3,0,.55,1)","fill":"forwards"}] [{"selector":"#anim-04fe3d24-5ce6-4079-b3f1-b64226e83200","keyframes":{"transform":["translate3d(-99.09503%, 0px, 0)","translate3d(0px, 0px, 0)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-31f7a439-45b3-46e4-81e6-5902e59708c6","keyframes":{"opacity":[0,1]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"both"}] [{"selector":"#anim-864d049a-af7e-448b-93f3-6b3dbc3834fe","keyframes":{"transform":["scale(0.15)","scale(1)"]},"delay":0,"duration":600,"easing":"cubic-bezier(0.4, 0.4, 0.0, 1)","fill":"forwards"}]

Related Stories Silver Price Today 07th November 2025: आपके शहर में आज क्या है चांदी का रेट? यहां देखें नई लिस्ट Silver Price Today 05th November 2025: आपके शहर में आज क्या है चांदी का रेट? यहां देखें नई लिस्ट Gold Price Today 04th November 2025: आपके शहर में आज क्या है सोने का रेट? यहां देखें नई लिस्ट Gold Price Today 03rd November 2025: आपके शहर में आज क्या है सोने का रेट? यहां देखें नई लिस्ट