Nivesh ka secure option: RD mein har mahine ₹10,000 jama karne par Post Office aur SBI mein kitna milega return?
मुख्य बातें
- •Post Office RD par current interest rate 6.7% saalana hai, jabki SBI RD par 6.05% saalana.
- •Har mahine ₹10,000 jama karne par paanch saal baad Post Office RD se lagbhag ₹7,13,659 milenge, jabki SBI RD se karib ₹7,01,557 milenge.
- •Post Office RD mein investment ki koi maximum limit nahi hai aur minimum ₹100 per mahine se khata khola ja sakta hai.
- •SBI RD mein kist na bhare jaane par penalty lagti hai aur lagatar chhah kist na bhare jaane par khata band kiya ja sakta hai.
Niveshakon ke liye Recurring Deposit (RD) ek secure aur guaranteed return dene wala option hai. Ismein bazar ke utaar-chadh ka koi asar nahi padta, jisse niveshakon ko nischit aay milti rehti hai. Agar aap har mahine ₹10,000 jama karte hain, toh Post Office RD aur State Bank of India (SBI) RD, dono hi aapke liye achha option sabit ho sakte hain. Haan, lekin dono ki interest rates mein farak hone ke karan maturity par milne wali raashi alag-alag hogi.
Vartaman mein Post Office RD par 6.7% saalana interest milta hai, jabki SBI RD par yeh rate 6.05% saalana hai. Agar aap paanch saal tak har mahine ₹10,000 jama karte hain, toh total investment ₹6,00,000 hoga. Post Office RD mein is raashi par maturity ke baad lagbhag ₹7,13,659 milenge, jismein total interest ₹1,13,659 hoga. Vahi, SBI RD mein aapko maturity par karib ₹7,01,557 milenge, jismein total interest ₹1,01,557 hoga. Is tarah Post Office RD se niveshakon ko SBI RD ki tulna mein lagbhag ₹12,100 zyada mil sakte hain. Ye calculation current interest rates par based hai; future mein interest rates badalne par return bhi badal sakta hai.