{"id":27652,"date":"2023-01-16T09:15:28","date_gmt":"2023-01-16T09:15:28","guid":{"rendered":"https:\/\/todaysnews.in\/daily-updates\/?p=27652"},"modified":"2023-01-16T09:23:22","modified_gmt":"2023-01-16T09:23:22","slug":"choose-the-right-investment-plan-between-epf-ppf-and-bank-fds-in-2023","status":"publish","type":"post","link":"https:\/\/todaysnews.in\/daily-updates\/choose-the-right-investment-plan-between-epf-ppf-and-bank-fds-in-2023\/","title":{"rendered":"Choose the Right Investment Plan between EPF, PPF and Bank FDs in 2023"},"content":{"rendered":"<p>Choosing the Right investment plan between EFP, PPF and bank FDs has always been a bemusing and perplexed task for numerous long- term investors.<\/p>\n<p>So for such investors, here are some point mentioned about these investment plan that will provide you a detail information regarding these plans so that before investing you do not have any problem in choosing one of these.<\/p>\n<h2>EPF<\/h2>\n<ul>\n<li>As you already know the EPF is retirement benefit scheme in which its investor get interest on funds deposited in these account.<\/li>\n<li>The interest is calculated on compound interest on the monthly basis and at the end of the financial year it gets credited.<\/li>\n<li>Also, the interest that one receives is exempted from taxes but it is not same after the retirement.<\/li>\n<li>Currently in 2023 the EPF rate stands at 8.50% per annum.<\/li>\n<\/ul>\n<h2>PPF<\/h2>\n<ul>\n<li>The <a href=\"https:\/\/en.wikipedia.org\/wiki\/Public_Provident_Fund_(India)\">PPF<\/a> is one of the most popular government assisted saving schemes in India.<\/li>\n<li>The PPF is compounded on an annual basis and offers an assured risk- free return.<\/li>\n<li>\u00a0Also the maturity amount that one gets is tax- free.<\/li>\n<li>\u00a0Currently in 2023 the PPF rate stands at 7.1%.<\/li>\n<\/ul>\n<p>Also Read :-<a href=\"https:\/\/todaysnews.in\/daily-updates\/happy-15-th-indian-army-day-know-why-it-is-celebrated-on-15-january-history-and-importance\/\" rel=\"bookmark\">Happy 75 th Indian Army Day \u2013 Know Why it is celebrated on 15 January, History and Importance<\/a><\/p>\n<h2>Bank FDs<\/h2>\n<ul>\n<li>Bank FDs are safe investment option that guarantees accordant interest rates with many interest payment options, income tax reduction and risk- free Market.<\/li>\n<li>\u00a0Bank may use simple and compound interest to calculate interest, it depends on the tenure and the amount of the deposit.<\/li>\n<li>Bank FDs are taxable and is taxed under \u201cIncome from other sources\u201d in IT return however after the 5 years of deposit when the amount is up to Rs 1.5 lakh each financial year qualifies for tax reduction under 80 C of the Income tax Act.<\/li>\n<li>\u00a0Currently in 2023 the bank FDs rate-<\/li>\n<\/ul>\n<p>1. <strong>SBI<\/strong> \u2013 5 years and up to 10 years for Regular Rate is 6.25% and Senior Citizen rate stands at 7.25%.<br \/>\n2. <strong>HDFC<\/strong> \u2013 5 years and up to 10 years for Regular Rate is 6.25% and Senior rate stands at 7.00%.<\/p>\n<h2>Interest Rates Comparison in 2023<\/h2>\n<p>EPF \u2013 8.50%<br \/>\nPPF \u2013 7.1%<br \/>\nSBI FD (5 \u2013 10 years) \u2013 6.25 \u2013 7.25%<br \/>\nHDFC FD (5 \u2013 10 years) \u2013 6.25 \u2013 7.00%<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Choosing the Right investment plan between EFP, PPF and bank FDs has always been a bemusing and perplexed task for numerous long- term investors. So<\/p>\n","protected":false},"author":1,"featured_media":27656,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[52],"tags":[312,310,313,311],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Choose the Right Investment Plan between EPF, PPF and Bank FD<\/title>\n<meta name=\"description\" content=\"Choosing the Right investment plan between EFP, PPF and bank FDs has always been a bemusing and perplexed task for numerous long- term\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/todaysnews.in\/daily-updates\/choose-the-right-investment-plan-between-epf-ppf-and-bank-fds-in-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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