SIP vs PPF Which is Better? SIP & PPF Calculator & Benefits in Hindi | Mutual Funds vs PPF

SIP vs PPF Which is Better? SIP & PPF Calculator & Benefits in Hindi | Mutual Funds vs PPF
In this video by FinCalC TV, we will see SIP vs PPF which is better, SIP calculator with mutual fund example, how SIP investment works in hindi, SIP return calculation or mutual fund calculator. Comparing it with PPF account benefits with PPF calculator and PPF interest calculation with latest PPF interest rate 2021 with the help of Excel calculators.
You will also know the PPF account benefits and how PPF monthly interest calculation and yearly compounding works along with how SIP works and how SIP returns are calculated in EXCEL.
Online SIP Calculator:
fincalc-blog.in/mutual-fund-s...
DOWNLOAD FREE Android App:
play.google.com/store/apps/de...
SIP Excel Calculator:
fincalc-blog.in/sip-returns-e...
PPF Excel Calculator:
fincalc-blog.in/public-provid...
All Excel Calculators videos: • All EXCEL Calculators
Income Tax Calculation FY 2021-22: • How To Calculate Incom...
Maximum Interest in ppf: • PPF Excel Calculator E...
Maximum returns best Mutual Fund: • Best Mutual Fund to In...
PPF interest rate change: • PPF Interest Rate Chan...
TIMESTAMP:
00:11 Intro
01:00 SIP & PPF Calculator Android App
01:33 Returns on SIP & PPF Interest
02:25 Saving Income Tax in ELSS & PPF
03:50 Income Tax on SIP & PPF Returns
05:03 Risks in SIP & PPF
06:07 How to get Maximum Interest in PPF
06:49 SIP & PPF Excel Calculators
09:07 Mutual Fund Units calculation formula
11:50 SIP Returns Calculation formula
14:11 PPF Interest Calculation
15:49 PPF deposit after 5th day of month
17:40 PPF Monthly Interest Calculation
19:50 Compounding in PPF
21:20 PPF Interest rate change calculation
23:01 PPF Returns Calculation
25:05 Other Excel Calculator Videos
26:12 Excel File Download links & Conclusion
After watching this video following queries will be solved:
What is SIP or Systematic Investment Planning?
How to invest using SIP?
Difference between SIP and Mutual Funds?
Difference between SIP and PPF?
How to Calculate SIP returns for mutual funds?
How to Calculate SIP returns for stocks or shares?
Are SIP and Mutual funds same?
SIP vs Lump sum investing. Which one is better?
How to get maximum interest in PPF
PPF interest rate change effect on Interest calculation
SIP or PPF Which is better based on your goals
About the Video:
What is a SIP Calculator?
A SIP calculator is a simple tool that allows individuals to get an idea of the returns on their mutual fund investments made through SIP. SIP investments in mutual funds have become one of the most popular investment options for millennials lately.
The SIP calculator does not provide clarification for the exit load and expense ratio.
Prospective investors can think that SIPs and mutual funds are the same. However, SIPs are merely a method of investing in mutual funds, the other method being a lump sum. A SIP calculator is a tool that helps you determine the returns you can avail when parking your funds in such investment tools. Systematic Investment Plan or SIP is a process of investing a fixed sum of money in mutual funds at regular intervals. SIPs usually allow you to invest weekly, quarterly, or monthly.
LTCG of 10% is applicable on mutual funds on returns above Rs. 1 Lac in a Financial Year
What is PPF and how it works?
PPF or Public Provident Fund is a savings scheme offered by the Government of India.
PPF have a lock-in period of 15 years
The interest on the account is paid by the government of India and is set every quarter, It is also tax-free and has many other benefits.
The applicable PPF interest rate for 1st July 2021 to 30th September 2021, has been fixed at 7.1%.
The interest rate is subjected to review every quarter by government.
PPF Interest:
Interest on PPF is calculated monthly on the lowest balance between the close of the fifth day and the last day of every month, that is. for the purpose of interest calculation, the amount that is deposited into the account before 5th of the month is considered.
Taxability & Exemption:
Public Provident Fund falls under EEE regime of taxation.
#SIPCalculator #PPFCalculator #SIPvsPPF #ExcelCalculators #FinCalCTV
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DISCLAIMER:
Examples 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.

[@fincalc]

SIP vs PPF aap kisme invest karte ho? COMMENT KARO SIP Calculator: fincalc-blog.in/mutual-fund-sip-calculator-systematic-investment-plan/ PPF Calculator: fincalc-blog.in/ppf-calculator-online-public-provident-fund-india/

[@rammitra340]

I invest on both

[@firojpatel5317]

Good sir aap ka baat karne ka tarika achha hai.... comments karne walo bando se

[@rajeshrahangdale4064]

धन्यवाद 🙏

[@vijaypatel8298]

Very good and intellectual information 🎉😊

[@pradeepkrmahato7234]

Good Information jee 🙏🙏; Dono Mein Investment Chal Raha hai

[@fincalc]

great

[@shyamalayedery7087]

Very well explained.

[@fincalc]

thanks

[@raginigupta1298]

Nice video. Sip aur ppf excel calculator ache se samjhaya aapne. Very easy to understand. Thank you and keep it up ,👍👍

[@fincalc]

Thanks for liking. stay connected

[@shwetafulmali713]

Jaberdast sir 👏👏👏👏Thanks for info🙏🙏🙏🙏dis is v useful for me😊

[@gsrathore8693]

Kisme thik hai PPF ya SIP aap batao

[@fincalc]

Thank you so much 👍🙂

[@sonukerni8364]

very nice infromation ppf very good

[@fincalc]

Thanks 👍🙂

[@anitakothawade193]

Very nice

[@fincalc]

thanks

[@istekharansari193]

Nice video

[@fincalc]

Thanks for liking. stay connected

[@pankajmagar1295]

What is the guarantee of sip

[@sunilchaurasiya3271]

Very nice information 👌

[@fincalc]

Glad it was helpful 🙂👍

[@nasikastrology]

Love from Nasik Maharashtra

[@rammitra340]

Very well described 👏 👌🏻 sir

[@fincalc]

Thanks and welcome

[@rammitra340]

@@fincalc please make a video on systematic withdrawal plan

[@fincalc]

@@rammitra340 video already made on systematic withdrawal plan. Watch this kzbin.info/www/bejne/Y6SmdGeLmMqKb80

[@rammitra340]

@@fincalc 👍🏻

[@rammitra340]

Sir please make a video on how to file income-tax return

[@niladrimandal5202]

For me as i experience last 10 years SIP IS BEST FOR LONG TERM.

[@kaustubh3084]

Both good ppf is safe is government Sip is best than investing stocks

[@fincalc]

Right

[@pragyaparihar7729]

Very well explained🙌

[@fincalc]

Thanks 👍

[@sujeetgupta6167]

PPF me chakrvirdi bayaj deta hai Right

[@arunghaydar9853]

भविष्यात व्याजदर7.1राहील हे कशावरून?

[@jkj1459]

You have big potential to make video for teaching CAGR CALCULATION TO HELP INVESTORS LIKE ME ., WHO DO NOT KNOW WHAT IS MY PROGRESS IN CORRECT WAY

[@jkj1459]

I think you can teach EXECL , ALONG WITH STOCK MATKET

[@fincalc]

Thanks for the idea. I was thinking about this from long but also have to see whether audience need excel tutorials😀

[@premkumarreddy921]

Sir mine sip me investment already karakkahu PPF me bi investment karsakte hai kya? Sir... 2 nome investment karne se Tax ka problem nahin hoga kya sir?

[@fincalc]

PPF tax free hai abhi tak so koi problem nahi Hoga. Invest Kar sakte ho PPF me bhi

[@premkumarreddy921]

@@fincalc tq sir

[@nasikastrology]

Sir which sip is better mutual fund sip or stock market sip

[@fincalc]

Mutual fund sip

[@nasikastrology]

@@fincalc but returns we get in stocks sip is more than mutual fund sip

[@arvindkumarchauhan21]

mutual fund ko 50 nav per check karo income tax bhi include karo tab dekho

[@omenterprises214]

sukanya yojna ke bare me video banao

[@fincalc]

Banaya hai. Ye video Dekho. kzbin.info/www/bejne/bGeziH-ibbFloa8

[@soochitdarji8588]

Invest in both.... balance risk

[@fincalc]

yes

[@shubhjourneyvlog7349]

Sip का पुरा डीटेल वीडीयो बनायै सर

[@fincalc]

Theek hai

[@lifewithriya123]

Better is to invest in VPF if u are salaried employee.

[@fincalc]

Agree to some extent

[@ravibisht6427]

Epf or vpf ki passbook ek hi hogi ya alag alag

[@lifewithriya123]

@@ravibisht6427 ek hi.. wo paisa same hi account me jayega. Its just ki tumhara abhi maan lo 5000 jama ho rha h per month or tumne vpf liya h 5000 ka to 10000 jama hoga monthly

[@ranjanghosh4321]

We need to use step up! As the PV and FV if you calculate, it will not value for the inflation! So always a step up is important! Atleast of 10%

[@fincalc]

That's right. Step up is very important when investing for long term in any good investment option. Anyone needing step up sip calculations can check this video kzbin.info/www/bejne/qavOfZ-hhqxrgc0 Thanks for your comment friend 👍🙂

[@_upcopajay_5089]

*Sir kya PPF me deposit amount every month change kr skte hai*

[@fincalc]

yes kar sakte hai

[@info-hindi-me]

Sir, agar hum ppf me har mahine 1000 invest karna chahte hai to kya har mahine 1000 hi invest karna hota hai ya 500 ya fir 1500, 2000, 5000 aise koi amount badhake ya kam karke invest kar sakte hai?

[@vinittiwari7965]

You have to invest minimum INR 500 and maximum 1.5 lakh in a year. So idealy you can invest whatever money you have as per the limit

[@fincalc]

yes har mahine jitna amount deposit karna hai kar sakte hai. FY me maximum Rs. 1.5 lacs tak deposit kar sakte ho

[@fincalc]

right

[@sayyadhydar5284]

Hi sir, I don't have knowledge in sip. Can I invest through bank (like any bank authority agent) Is it possible please let me know sir. And Ppf is good for private employees. Reply sir🙏

[@fincalc]

Yes online invest kar sakte ho sip me khud se Ye video dekho kzbin.info/www/bejne/oaWzlH-MoZippLM

[@MyLifeline6648]

@DEVENDRA KUMAR Sir mera PPF account h m har mahine ammount jama kar rha tha but ab COVID k baad ab nahi jama kar sakta to is case me kya hoga meri PPF emi automatically account se cut jati thi

[@gsrathore8693]

PPF me aap agr aap ke pass pese nhi ho to only 500 rupey hi jaamaa kar do ppf ka years jo 1apirl se 31 march raheta hai. 500 jama karoge to aapko intrest bhi kam milegaa.

[@nityapritampati2947]

In case of sip capital gain tax will applicable

[@fincalc]

Yes

[@achchhelal3278]

Sir 15 yrs investment 10000/m karna chahta hu kis me kare sip ya ppf kaun achcha rahega pse bataye.

[@manishthakur6699]

Yes me bhi iska answer jan na chahta hu

[@fincalc]

Rs. 7000 SIP aur Rs. 3000 PPF me per month karo. Equity aur debt dono me allocate ho jayega

[@fincalc]

Rs. 7000 SIP aur Rs. 3000 PPF me per month karo. Equity aur debt dono me allocate ho jayega

[@samareshbehera7725]

I m doing ppf from last 11 years with 1.5 lakh per year before 5th apr every year.this year i got 1 lakh interest.for my spouse 1 laj from last 5 yrs.where i got 29000 this yr.good tension free.but only problem if interest rate will be reduced.then this all be of no value

[@fincalc]

Great to hear about your interest amounts 👍🙂 Yes for now interest rate is 7.1% annually, hope we don't get much reduction in this interest rate further. But at least it is better than other safe deposits for now for our long term goals. Keep investing 👍🙂

[@the_Lazy_guy01]

If u will cont doing this one day ull get 5lac interest also

[@Mahapolitics113]

Lost the real charm of gaining from the investment... Your investment is dead and idle under this category.... atleast you should have considered 25% to 30% in elss for these 11 years...your corpus would have been in Crores... I am already at good stage...but really regret investing mine 1 lac in PPF... 🤦 Cannot beat inflation today....my biggest mistake ever....

[@fincalc]

@@Mahapolitics113 some focus on debt funds and guaranteed profits compared to risky investments even though the risks minimizes over long term in risky investments. Good that you had the knowledge of selecting best option for yourself 👍🙂

[@sunhazarika318]

Kitta

[@ajaytiwary5546]

Need to deduct taxable amount from fund's profit before withdrew same as expense margin to avoid cheating/corruption/tension. Need to be raise this issue before ministry of finance.

[@niladrimandal5202]

I feels ppf play always safe.

[@fincalc]

Yes PPF is safe but sip has given more returns in long run

[@higlights2938]

@@fincalc but In sip we have to give tax

[@nareshravim]

SIP returns is non taxable.. Correct me if I'm wrong.

[@aquibjaved6950]

@@nareshravim wrong

[@parveenbishnoi1560]

@@nareshravim Sip returns are taxable

[@AshishGershom]

Very nice explained bro … keep making more 👍 #ashishgershom 🎸🎸

[@fincalc]

Thank you

[@tanyanimje9581]

kzbin.info/www/bejne/jam2YmisrbiKa8k

[@tympass2320]

If already I have EPF account can I open One ppf account?

[@fincalc]

Yes ppf can be opened. EPF and ppf are different accounts so you can have both

[@rohitkhan118]

Where is the 1% exit load considered for last 12 months unit in SIP ? Not a fair evaluation/ analysis as it do not reflect the final %

[@fincalc]

Another scenario: We can wait for more 12 months after deposits to eliminate exit load

[@renupatil8237]

20 and 78 .... digest nahi ho rha ye diff..... some catch is there..... itna differnce hone impossible ya fir yeto ekdam achese acha wala reutrun pakdake lia hain .... jaha on an avg 36...37 se ekdam hi NAV 85 ka pakad lia ..... ek best ek worst example lete or even better kuch avg wala example lete to thoda realistic lagata .....

[@maximff7590]

5 Tarik hoga too Kay hoga bhaiya

[@awesomestuff8807]

TAX

[@ROHIT-kx4kz]

Invest ₹5k in PPF and ₹5k in SIP per month, for safety.

[@fincalc]

Seems good strategy

[@creative4motivation78]

Heyy...In PPF..... You calculated 7.1 % per month.. Is it?? It's 7.1 per annum. Correct me if I am wrong.

[@fincalc]

it's 7.1% per annum and that is how it is calculated in video as well by dividing this rate by 12%

[@sumitkumar-zg9dw]

Mutual fund me tax v include kroo

[@ajaytiwary5546]

Correct taxable amount need to be deducted before withdrew, otherwise another tension to face corrupted (IT) people

[@deepakarora7079]

Guide me bro

[@AshishSingh-ds9jw]

You cant calculate SIP returns only you can assume

[@anwarnoor8551]

Play speed 1.75 better to understand..

[@durgarao7630]

Can we deposit different amount every month in PPF?

[@fincalc]

yes. watch this video to know more kzbin.info/www/bejne/qHPKn4Wcf511fs0

[@kapildevsahoo9902]

April 2 me lump sump 1.5 lakh dal Dene se kya returns ayega

[@fincalc]

apne balance ke sath PPF calculator me check kar sakte ho. Ye video dekho calculator ke liye: kzbin.info/www/bejne/qHPKn4Wcf511fs0

[@nasikastrology]

Units kaise baychte hai

[@sandeepnain6757]

Please reply bhi diya kro

[@fincalc]

Hi Sandeep.. aapki kya query hai? aap mujhe mail bhi kar sakte ho Email: [e-mail]

[@kedarisgreat]

Biggest problem of PPF is that we can invest 1.5 lacs only. Second big problem is that the money locked for long term. Government did not increase interest despite high interest regime in the market.

[@nasikastrology]

Sir aap kaha rahte ho

[@fincalc]

Goa me 🙂 Aana Kabhi Goa me, milenge jaroor 😀👍

[@nasikastrology]

@@fincalc are sir goame 3-4baar ana hua madgaonme mera brother ka job tha

[@nasikastrology]

@@fincalc jarur sir 100%aap goa me kahaper kaunse area me rehte ho

[@aseemrawat859]

bhai too complex please simplify

[@rohitrana-cl7tl]

sip mai paisa dub bi sakta hai aur profit bi ho sakta hai

[@subhayandey2253]

long term me paisa nei dubega

[@mohdasif3569]

zyada amount investbkaroge to tax me cut jaiyegaa kum amount karoge to zyada interest nhi milegaa .

[@mohdasif3569]

bhai amount hamesha zyada kyu dalte hai investment ke liye

[@fincalc]

Sorry Bhai. Agli baar se thode amount ka examples lekar banayenge video 👍

[@rohitrana-cl7tl]

Sip mai risk hai ppf mai koi risk nhi hai

[@fincalc]

Sahi

[@AmitPrabhu2000]

10-12% ROI is bit overrated. Considering the current economic downturn and future trends, long term ROI on SIPs ebb out to 8-9%. PPF is exempt exempt exempt category and stable though in long term it will earn around 6-7% interest.

[@jkj1459]

TEEK SE SAMCHA NAHI FIR BHY THANK YOU .. COMUTER KAALA AKSHAR BHAYS BARABAR JO HAI 😂

[@sandeepnain6757]

Apka no bhejna apse baat karni h

[@fincalc]

Hi Sandeep.. aapki kya query hai? aap mujhe mail bhi kar sakte ho Email: [e-mail]

[@jkj1459]

I think any way holding up to 15 years .. So do SIP IN SOME GREAT STOCK LIKE ASEAN PAINT OR PIDILITE , OR BAJAJ FINANCE .. IT WILL BEAT ALL THIS PPF , MUTUAL FUND ETC .

[@naveensrivastav3946]

how do you sip in stocks? when the price of stocks fluctuates.

[@INDIAN1963]

47206 tax bana 🤣🤣🤣

[@SintechWorld]

In PPF, can i pay annual amount at once instead of monthly...will it reflects any loss in return or mothly interest???

[@the_Lazy_guy01]

U can deposit in one time also max 1.5lac

[@surendrathakur5075]

It is better to invest at start of financial year i.e. first week of April. So you could get max return.

[@kedarisgreat]

Put 1.5 lacs every year on 1st April. See the long term magic after 15 years.