PPF vs SSY In Telugu - Which Is Better? | Public Provident Fund | Sukanya Samriddhi Yojana | Kowshik

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PPF vs SSY In Telugu - Which Is Better? | Public Provident Fund | Sukanya Samriddhi Yojana | Kowshik
Sukanya Samriddhi Account VS Public Provident Fund
Public Provident Fund (PPF) is a tax-free saving scheme regularised by the Government of India in which the interest on the account is specified for each quarter and is paid by the Government. On the other hand, Sukanya Samriddhi Yojana is a small savings scheme by the Government which is centred around the objective of women and girl child welfare in India.
An SSY account can only be opened in the name of the girl child whereas anyone and everyone can start a PPF. Both schemes have certain pros and cons. PPF is considered more liquid as compared to SSY. But the latter could possibly give higher returns.
On the basis of Eligibility
Sukanya Samriddhi Account can be opened by the guardian, in the name of the girl child. The maximum age limit to open the account is 10 years. An individual who is a resident of India, not an NRI, can open a PPF account. The age of entry in PPF is 18 years.
On the basis of Interest Rate
The interest rates for both the saving schemes keep changing in the financial year as they are linked to the Government security or G-Sec yields. The ROI is fixed and reviewed by the Government in every quarter. The current SSY Account rate of interest for Q2 (July-September) of FY 2022-23 is 7.6%. This interest is compounded annually. While calculating the interest on a monthly basis, the minimum balance in SSY account between the 10th and the end of the month into consideration. This implies that the investments must be made before 10th of every month.
And, the PPF rate of interest for Q2 FY 2022-23 (July-September) is 7.1%. For calculation of interest, the lowest balance between the 5th to the last day of each month is taken into consideration. So, investments should be made before the 5th of every month.
On the basis of tax benefits
If you invest in PPF, your investments qualify in the Exempt-Exempt-Exempt category. This implies that the investments made in this fund qualify for exemption under Section 80(C) of the Income Tax Act,1961. And, the interest accrued at the time of maturity is exempt from taxes. If you make a contribution of Rs.1.5 lakh per year (which is also the maximum limit of contribution) and you are in the 30% tax category, you will be able to save taxes amounting to Rs.45,000.
Likewise, Sukanya Samriddhi Account also falls under the Exempt-Exempt-Exempt category. The annual contributions are exempt from deductions under Section 80C of the Act. The interest accrued and final amount on maturity are exempt from taxes. Similar to PPF, SSY also allows a maximum contribution of Rs.1.5 lakh per financial year.
On the basis of the deposit limit
For PPF, the minimum deposit limit is Rs.500 and the maximum is Rs.1,50,000. For Sukanya Samriddhi Account, the minimum deposit limit is Rs.250 whereas the maximum limit is Rs.1,50,000.
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#ppfvsssy #ssyvsppf #sukanya_samridhi_yojana #publicprovidentfundtelugu

[@jeevankumarjeevan143]

intha manchi information likes enduku thakkuva vasthunayo Naku teliyadhu like kottandi Bros manchi information iccharu first time chusha bro recent gaa prasad channel chusi follow thanks for good information bro

[@nagakrishnayelisetty4774]

Super koushik garu,meeru baaga చెబుతున్నారు

[@mamathakadali2993]

Thank you kowshik garu, for your valuable information now we will go to SSY for my daughter 😊

[@malleshyadavbarla4316]

Meru chala chakkaga vevarinchinru brother mi videos andhuke chustha

[@varalakshmic8358]

,thank you sir yesterday nenu PPF account open chesanu post office lo

[@shreelatha2213]

Sir మా పాప పేరుమీద సుకన్యాయోజన పతకం అని 9ears కింద నెలకి 1000 చొప్పున కటినము మేము డబ్బులు కట్టిన ప్రతిసారి ( కట్టిన డబ్బులు దానికి మెత్తి) పక్కపక్కనే రాస్తునరు ఆది చూసి ఎందుకు మిత్తి ఇంత తక్కువ వస్తుంది అని అడిగితే మీరు ఎంతకడితే అంతకు మిత్తి వస్తుంది అంటునరు ప్రస్తుతం సుకన్య పతకానికి వున్న offr కూడ రావట్లేదు అసలు మేము కట్టింది సుకన్యాయోజన పతకామెనా అని అనిపిస్తుంది మేము కట్టినపుడు ఒక చిన్న పుస్తకం ఇచరు దానిలో సుకన్యాయోజన గురించే వుంది మరి ఎందుకల అంటునరు పోస్ట్ ఆఫీస్ లో దయచేసి చేపగలరు 🙏🏻🙏🏻

[@kasojupavanikasoju3168]

SBI bank account lo chudandi chala Bagundhi SSY super ❤❤

[@shivakumar-qh3yn]

Naku kuda elage jaruguthunndhi dayachesi salaha evagalaru

[@svrbiology8274]

Every month meeru 5th lopu kattali lekunte vaddi radu

[@kondababuvandalam6539]

Monthly 500 kaduthunnanu penchalanu kuntunnanu em cheyyali,ela penchavacha.

[@MV_RAMANA]

​@@svrbiology8274 ఎందుకు అలా.. అయినా ఇది monthly mandatory కాదు కదా.. yearly కదా..

[@jyothsnacherala1211]

Kaushik garu very useful info sir. Sukanya samruddhi yojana VS mutual funds kuda compare chesi cheppagarala plz

[@prashanth__laddu__3579]

Ppf better yendukante 15 years ki total return vasthai(40 lacs approx ) ssy 21 years ki total vasthai (60 lacks approx) Ssy 15 years lo 40 lacks teesukoni malli 7 years double ki vesukunte 80 lacks aithai. Ssy ki 1year yekkuva aagithe chalu

[@pawankaredla3773]

Chaala chakkaga baga artham ayye vidamga chepparu thanks you so much🤝

[@pravenkumar8505]

Super bayya nuvv ni antha clear ga evaru cheparu

[@Templedaires1000]

Tata AIA lo insurance policy katta yearly 50k 3 years kattesi apesanu eppud ah money tirigi vastunda vaste eppudu vastundi

[@sarikiramakrushna8553]

Excellent sir very useful to us......

[@దుర్యోధన]

బంగారు మరి వెండి మెటల్ అమ్మే కంపెనీల గురించి తెలియజేయండి

[@sreenukanakam7973]

Papa 21age vachaka ivvadam kadu sir, account open chesi 15 years money kattaka amount 21years taruvatha istaru, ante account open chesina 21 years taruvatha ani

[@kumarmamidi1254]

Brother మనం మన లాండ్ అపార్ట్మెంట్ కన్స్ట్రక్షన్ కి ఇచ్చేటప్పుడు ఎటువంటి అగ్రిమెంట్ ప్రకారం ఇవ్వవచ్చు ???

[@satyanarayanapvv7608]

Sir ppf 10yrs ki cheyavachha total amount entha vastundi

[@bhagyarekhas1007]

Ssy start chesi oka 5yrs katesaka mother r father ki edaina risk ayte wat next andi?

[@mahenderkorapu3429]

Could you please suggest the best mutual fund for children for a long period of time?

[@TERESAHELPINGHANDSTEAM]

Excellent Explanation Sir 😊

[@shivakumar-qh3yn]

Meru chepindhi bagane unnehi kani naku 7.6% evadam ledhu evarini adigina samadhanam ledhu dayachesi salaha evagalaru

[@sreedevis6774]

Every year same amount deposit cheyala..sir??

[@pagadalaraveendrababu8265]

మీరు చెప్పే విధంగా ppf లో కాకుండా sip లో పెడితే ఇంకా ఎక్కువ వస్తుందా sir plz tell me sir

[@endlakiranbabu5119]

Anna nuvvu pedalapati maharaju anna thanks 🙏👍👍👍

[@maheshe3284]

Tq sir, suber ga chepparu

[@edunurisrinivas.75azadikaa42]

Thank you maridi brother... Both are good.

[@Love_Nature__123]

Anna SSY eppudu nunchi start cheyachu , papa putagane open cheyacha? plz reply

[@Gouthamlu]

Thank you🙏

[@rakshanatenthousedecorationdj]

Mutual fund v/s sukanya sammuruddi yojana EDI best?

[@chandrasekhar2413]

thank you so much for explaining, its more helpful.

[@srinivasaraodubbaku812]

Excellent speech 🙏🙏🙏🙏👌

[@viratbhadra4639]

U are great sr, middle class dream's comes true

[@prashanthpoloju165]

Tq sir

[@krpaul2007]

HI SIR SSY lo ban ki & post office madya rate of interest thedaa untundaa?

[@rjdayadaya5007]

Sukanya samruddhi yojana scheme lo amount kadithe ganuka,kattina amount evari chethiki istharu sir.maaka,leka ma papa sign chesthe isthara.please sir reply evvandi

[@durgaprasads7898]

Hi sir, SBI ki POST OFFICE ki difference emayina untunda?

[@durgaraokancharla7983]

No difference

[@mahesh530026]

Can we invest in both schemes NPS & PPF at a time. Konchem clear ga Sec 80 c kosam & both schemes lo 150000 rs at a time invest can we do.

[@manibabu1359]

బ్రదర్ నాకు చిన్న డౌటు నలుగురు ఆడపిల్లలు ఉంటే సుకన్య కట్టుకోవాలా లేక వేరే ఏదైనా కట్టాలా

[@ksureshbabu4714]

ఇద్దరికి మాత్రమే వర్తిస్తుంది

[@rameshanna6771]

ఒకవేళ తండ్రి మధ్యలో చనిపోతే సుకన్య పథకం run అవుతుందా సార్

[@chaithenyaa456]

What an clear cut explantiin sir

[@sathishmittkola1964]

Nice information 🙏

[@JanaSainik_jsp]

We can oen ppf online also. We can deposite max 12 times in a year

[@JyothiUmmidi-o2d]

Can u explain plz

[@FashionView]

#indianmoney Anna life insurance for my parents or senior citizens ki unte a topic meda oka video cheyu anna

[@srinivasc9047]

Google lo chuste PPF interest annually compound ani undi but miru quarterly compound ani cheputunaru. Correct information edo confirm cheyandi plz.

[@raviskanda6105]

Nice vedio Brother... Very neat explanation

[@vamshiraj8]

Sir PPF rules changed. Unlimited deposits annaru..yearly up to 1.50L in 12months only. Plz clarify

[@sidduchirukuri4761]

Anna explain about lic schemmes

[@srinivasareddy6273]

Hi bro manam if sukanya scheme tisukoni abroad lo settle iyethe, After 21 years manaki amount istaraa? If we become foreign country citizen?

[@venkateshgoddugorla5628]

SSY ki minimum age yentha undaali.?

[@NarayanaraoRagumanda-p6p]

Super

[@Trivevlogs]

PPF loo memu monthly 500 kaduthunamu 15 years ki vaddi antha ayidhii sirr

[@BetheNinja27]

72k

[@rithishkusle7834]

SSY account bank lo open chesthe better ha sir post office lo chesthe better ha please replay sir.

[@jhansiranich2180]

Sir explain all schemes in post office

[@sumalathavasam9635]

Sir maa babu kosam monthly 1000 PPF lo last varaku amount intha vasthadi 7years maa Babu ku

[@rhanumanth3344]

PPF anedhi .ma account ekda untey akada Chesco vala Sir.. ekdaina chesco valla PPF shcem....

[@maanvimanne2268]

Anna ma mamayya recent ga expire ayyaru.. mamayya deputy Thashildar.. aa job ma husband ki vasthundaa? Ma husband MRF lo 9yrs nundi assistant ga work chesthunnaru job vacche chance unda? Cheppandi pls

[@Three_Brothers23]

Sir SBI life smart scholar scheme gurinci cheptara meru cheptene plan chedham anukuntuna

[@chaithanyakuruba5552]

Bro what is pre qualified credit card please explain

[@kumarkumar-vg3op]

Chala bagundi putagodula pepakam vati vapara vedie

[@pothalabhaskarreddy64]

Hi bro if the pf has not withdrawn for 10 years , someone told me it will convert to a pension scheme, please explain to me more about the pf .....

[@shekarmudhiraj9329]

super sir meru

[@umamaheshkondatamara3742]

Sir 1 year lo 150000 kante thakkuva kattavaccha

[@kidskitchen4339]

Sir,ma papa ki 6yrs appudu sukanya samridhi account open chesam eithae eppudu ma papa ki enta age vachey varaku memu money deposit cheyali.

[@BkrjBkrj-sp3sz]

2039 వరకు

[@randomstudio6177]

Intrest rate fixed or floating for SSY sir ?

[@TripleSisters03]

Explanation superr

[@VSKR28]

Anna post office pli plan gurichi chepaddi

[@PK1707]

సార్ ssy 3ఇయర్స్ బ్యాక్ ఆపేసాను.ఇప్పుడు కంటిన్యూ చేయొచ్చా

[@kvn1537]

Good content Bro

[@saisupriyatummala6477]

What about extension period time and how many times can I extension of ppf account.

[@dileepdileepkumar6965]

Nice information thanq bro

[@Ramyagarnapally]

PPF లో వడ్డీ నెల నెల వస్తుందా yearly వస్తుందా నెల నెల కట్టిన వాటికి

[@ravindranaikm9290]

2 open చేయవచ్చా sir

[@sai6442]

Thank you for over valuable information sir

[@gaddevenkatasaivardhan439]

Bro ppf 15y inko 6 years aa 40L ni FD చేయచ్చు గా

[@ancersyed8476]

Is it any options to open online

[@rajuk5612]

Bro inkoti marchipoyaru max 2 childs SSY tiskovacchu

[@jilakarasanthoshi5335]

0ne year 24000 vesthey 21years ki antha amount vasthundi cheppagalara

[@svrbiology8274]

11laks

[@Harishmuktapuram]

Sir ppf lo మధ్యలో person చనిపోతే ఎలా

[@sharonjoy4805]

Common man ki A insurance better chesukunte better reply evvandi

[@Adlurz]

Bro, thank you for the info. Do we have any insurance facility in both pod and ssy?

[@Test-kk8hd]

I have both

[@kangugamkalyani8468]

1 year babu ki kuda kattacha sir

[@Rameshkumar-nk9dn]

Madyalo break cheyocha?

[@teja-ke4no]

Ppf lo age limit vunda bro??

[@commondosampath7653]

👌👌🙏

[@robertpallav]

Thank you brother

[@nareshpulkam4176]

Thank you anna

[@Kumar_Natural]

Ppf లో వడ్డీ రేటు 7.1 అన్నారు కదా అది 15 సంవత్సరాల దాకా అంతే నా....వడ్డీ పెరగదా

[@muraliy2035]

Nice explanation

[@kalyanirowlo1831]

Pan card video meeru chesaru kada sir adi 2022 ki apply chesukovacha

[@nimmakasuresh4733]

Nice

[@seshuroyalty3833]

Tq very much sir

[@dharmadisekharbabu7035]

Good explanation bro 🙏🙏

[@sriramchattu3511]

Ma papa age 7 years ippudu start cheste eppati varaku kattali

[@Kumar-pc4jl]

22 years varaku kattali 28 ki money vastahi

[@vamsibharath9793]

Sir apy unnavaru ppf open cheyavacha

[@ksatyanandasivaprasad679]

Sira bAbu ke lic lo education plan chpande

[@ramakrishnaboosa4945]

You really great brother

[@navins-dt5kp]

Well explained

[@vamsibharath9793]

Atal pension Yojana unnavaru ppf open cheyavacha

[@gangabathinasaikumar697]

Tq you For information bro

[@trinathyepuri101]

Ssy and ppf rendu katallu vunte tax padutundha

[@chaitanyavarma1936]

1cr plan chepandi