PPF Vs Sukanya Samriddhi — Beti Ke Liye Kaunsa Behtar?
Dono hain kya
PPF (Public Provident Fund) — kisi bhi vyakti ke liye 15 saal ki sarkari bachat yojana. Tax-free byaj, sarkari garanti.
Sukanya Samriddhi Yojana (SSY) — sirf beti ke naam par, 10 saal se choti umar tak khata khulta hai. Ye Beti Bachao Beti Padhao ke tahat aayi, isliye byaj thoda zyada rakha jaata hai.
Dono me paisa sarkar ke paas surakshit rehta hai — share bazaar jaisa koi jokhim nahi. Farak byaj, lock-in aur nikalne ke niyam me hai.
Seedhi tulna
| Cheez | PPF | Sukanya (SSY) |
|---|---|---|
| Kiske liye | Koi bhi | Sirf beti (10 saal se choti) |
| Byaj | Sarkari, har quarter tay | Aam taur par PPF se thoda zyada |
| Saalana jama | ₹500 se ₹1.5 lakh | ₹250 se ₹1.5 lakh |
| Jama kitne saal | 15 saal (aage badha sakte) | 15 saal tak jama |
| Maturity | 15 saal | Beti 21 saal ki, ya shaadi 18 ke baad |
| Tax | EEE (poora tax-free) | EEE (poora tax-free) |
Dono EEE hain — jama par 80C ki chhoot (purane regime me), byaj tax-free, aur maturity bhi tax-free. Ye India ki sabse tax-friendly bachat me se hain. Apna hisaab PPF Calculator aur Sukanya Calculator me laga kar dekhein.
SSY ka byaj zyada — par ek keemat par
SSY ka byaj PPF se thoda upar hota hai, jo lambe samay me achha khaasa farak laata hai. Par iski ek keemat hai — lachak (flexibility) kam.
SSY me paisa tab tak nahi nikalta jab tak beti 18 saal ki na ho jaaye (aur tab bhi sirf padhai ke liye, ek seema tak). Poora paisa 21 saal par ya 18 ke baad shaadi par milta hai. Yaani ye paisa sach me beti ke liye hi band ho jaata hai — jo achhi baat hai anushasan ke liye, par emergency me kaam nahi aata.
PPF me 15 saal ka lock-in hai, par kuch saal baad aংshik nikasi (partial withdrawal) aur loan ki suvidha hai. Yaani beech me zaroorat pade to PPF thoda kaam aa jaata hai, SSY nahi.
Toh kaunsa chunein
Ye "ya" ka nahi, "kitna-kitna" ka sawaal hai. Aam samajhdaari:
Agar beti hai aur uski padhai/shaadi ke liye alag paisa rakhna hai — SSY zaroor kholein. Zyada byaj + ye pakka ki paisa usi kaam aayega, ye do bade fayde hain. Anushasan wale parivaron ke liye ye achha hai kyunki paisa beech me nikaalne ka lalach hi nahi rehta.
Agar lachak chahiye — PPF behtar hai. Paisa beti ke liye bhi rakh sakte hain aur zaroorat pade to loan/partial withdrawal se kaam bhi chala sakte hain.
Sabse achha (agar de sakein): dono. SSY me beti ke liye, aur PPF apni retirement ya emergency ke liye. Dono ki ₹1.5 lakh limit alag hai, par 80C ki kul limit ek hi hai — ye dhyaan rakhein.
Ek zaroori pech — 80C ki limit
Dono me jama paisa Section 80C me aata hai, par 80C ki kul seema ek hi hai (dono milaakar). Aur ye chhoot sirf purane tax regime me milti hai. New regime me 80C ka fayda nahi milta.
Iska matlab: agar aap new regime me hain, to in dono ka tax fayda aapke liye kaam ka nahi — sirf byaj aur surakshaa ke liye hi lena hoga. Kaunsa regime aapke liye theek hai, wo Old vs New Regime me dekh lein.
Kaise kholein
Dono khate bank ya post office me khulte hain. SSY ke liye chahiye:
- Beti ka janm praman patra
- Maata-pita/abhibhavak ka pehchaan aur pata praman
- Beti ki umar 10 saal se kam honi chahiye
Ek beti ke naam ek hi SSY khata. Ek parivaar me aam taur par do betiyon tak (kuch sthitiyon me teen) khata khul sakta hai. Post office ki yojanaon ki poori jaankari Post Office guide me hai.
Sirf in dono par mat ruko
PPF aur SSY surakshit hain, par inka byaj mehngai se thoda hi upar rehta hai. Beti ke 15-20 saal door wale lakshya (higher education, shaadi) ke liye, ek hissa equity mutual fund SIP me bhi rakhna samajhdaari ho sakti hai — lambe samay me wo aam taur par zyada badhta hai, chahe beech me upar-neeche hota rahe.
Ek aam soch: pakka aur surakshit hissa SSY/PPF me, aur badhotri wala hissa SIP me. Dono ka santulan aapki jokhim lene ki himmat par nirbhar karta hai. SIP ka hisaab SIP Calculator me, aur SIP vs surakshit vikalp ki tulna Mutual Fund vs FD me hai.
Zaroori: byaj dar har quarter badalti hai. SSY aur PPF ki current dar nsiindia.gov.in par confirm karein.
Ek chhoti misaal — dono ka farak 18 saal me
Maan lijiye aap beti ke liye har saal ₹50,000 daal sakte hain. Agar ye SSY me jaaye (thoda zyada byaj) to 18 saal me ek achhi khaasi rakam banti hai, aur wo poori tax-free milti hai — theek us waqt jab beti ki padhai ya shaadi ka kharcha aata hai.
Wahi ₹50,000 agar PPF me jaaye, to byaj thoda kam hone se rakam thodi kam banegi, par aapke paas beech me loan aur partial withdrawal ki suvidha rahegi. Yaani SSY zyada paisa deta hai par kam lachak, PPF thoda kam paisa par zyada lachak. Dono ka theek-theek number apni rakam daal kar Sukanya Calculator aur PPF Calculator me nikaal lein — kyunki byaj dar badalti rehti hai.
Faisla ismein hai ki aapko paisa beech me chahiye ya nahi. Agar pakka hai ki 18-21 saal tak nahi chhuna, to SSY ka zyada byaj jeet jaata hai. Agar thodi anishchitता hai, to PPF ki lachak kaam aati hai.
Aksar pooche jaane wale sawaal
SSY ka byaj PPF se kitna zyada hai?
Aam taur par thoda upar hota hai, par dono har quarter badalte hain. Exact dar NSI ki site par milti hai. Chhota sa farak bhi 15-20 saal me bada ho jaata hai.
Kya ek saath PPF aur SSY dono rakh sakte hain?
Haan. Dono alag khate hain. Par 80C ki tax chhoot ki kul limit dono milaakar ek hi hai (purane regime me).
SSY se paisa kab nikal sakte hain?
Beti 18 saal ki hone par padhai ke liye ek seema tak, aur poora paisa 21 saal par ya 18 ke baad shaadi par.
New regime me SSY/PPF ka fayda hai?
Tax chhoot (80C) new regime me nahi milti. Par byaj dono me tax-free rehta hai aur paisa surakshit rehta hai.
SSY khata kitni betiyon ka khul sakta hai?
Aam taur par ek parivaar me do betiyon tak, kuch khaas sthitiyon (jaise judwaan) me teen tak. Har beti ka ek hi khata.
Niyam aur rate badalte rehte hain. Bade faisle se pehle seedha yahan dekhein: