Whalesbook
Naye financial year mein dosto, ek mast update hai! Jisne bhi apna paisa 3 ya 5 saal ke liye Post Office Time Deposit (TD) mein lagaya hai, woh bank FD se zyaada kama raha hai.
Reports ke mutabik, Post Office TDs abhi 6.90% interest de rahe hain 1 saal ke liye, 7.00% 2 saal ke liye, 7.10% 3 saal ke liye, aur sabse badhiya 7.50% 5 saal ke liye. Yeh rates kai bade banks se zyada hain.
Ab bank FDs ke comparison mein dekho toh State Bank of India (SBI) 5 saal ki FD par sirf 6.05% de raha hai, aur HDFC Bank 6.15%. Kaafi difference hai na? Aur Post Office TD ko toh direct government ka bharosa hai, toh paisa bilkul safe hai, duniya mein kuch bhi ho jaaye.
Bank FDs mein kuch faayde hain, jaise maturity ke time options zyada hote hain, loan mil jaata hai, aur senior citizens ko toh extra benefit bhi milta hai. Post Office TDs mein yeh flexibility thodi kam hai.
Achhi baat yeh hai ki 5 saal wali Post Office TD mein Section 80C ke under tax benefit bhi milta hai. Waise, agar aapko aur options dekhne hain toh National Savings Certificate (NSC) 7.7% de raha hai, Senior Citizens Savings Scheme (SCSS) 8.2% tak aur Public Provident Fund (PPF) 7.1% de raha hai.
RBI ne repo rate stabil rakha hai, toh abhi ke liye fixed income investments ke liye market stable lag raha hai. Equity market ke volatility ko dekhte hue, log ab safe investments ki taraf zyada aa rahe hain. Toh agar aap apna paisa safe rakhna chahte ho aur thoda lamba time investment kar sakte ho, toh Post Office TD ek solid choice hai is time pe. Paisa bhi safe, aur returns bhi bank FD se behtar!