{"id":817,"date":"2021-04-24T06:36:47","date_gmt":"2021-04-24T01:06:47","guid":{"rendered":"https:\/\/thepktalks.com\/?p=817"},"modified":"2021-04-24T06:36:47","modified_gmt":"2021-04-24T01:06:47","slug":"public-provident-fund-vs-fixed-deposit-which-is-better","status":"publish","type":"post","link":"https:\/\/www.thepktalks.com\/public-provident-fund-vs-fixed-deposit-which-is-better.html","title":{"rendered":"Public Provident Fund vs Fixed Deposit.Which is better?"},"content":{"rendered":"

The Public Provident Fund (PPF) and Fixed Deposit (FD) are the two safest and popular forms of savings. Although ,these both are investment schemes,they have different features.<\/span>
\nHere is a detailed comparison between them.<\/span><\/p>\n

What is PPF account ?<\/span><\/strong><\/h2>\n

Money gets locked for a period of 15 years in PPF account with the option of extension in the block of 5 years.<\/span><\/p>\n

What is FD?<\/span><\/strong><\/h2>\n

It is a kind of secure invest scheme which provides you higher rate of interest than a regular savings account and offers guaranteed returns.<\/span><\/p>\n

What are the different interest rates provided by banks in PPF and FDs?<\/span><\/strong><\/h3>\n

A interest rate of 7.1% is provided in PPFs and a fixed interest rate of 8-9% is provided by banks in FDs.The interest rate of FDs does not change even in the time of crisis.<\/span><\/p>\n

What is the tenure difference between both?<\/span><\/strong><\/h3>\n

Fixed tenure of PPF is 15 years with an option of extension in the blocks of 5 years.<\/span>
\nThe tenure offered in FD ranges from 1 to 5 years. So,here in FD ,you can get the flexibility to choose the tenure which you can’t get in PPF.<\/span><\/p>\n

What are the different minimum and maximum amount which are deposited in PPF and FDs?<\/span><\/strong><\/h3>\n

The minimum annual amount that can be deposited is INR 500 and it goes upto 1,50,000 per year.<\/span>
\nThere is no fixed limit with FDs.<\/span><\/p>\n

Can you avail loans from any of these?<\/span><\/strong><\/h3>\n

You can avail loan from PPFs only after the completion of 3 years.<\/span>
\nThe loan against FD is provided at any point of time.<\/span><\/p>\n

What are the premature withdrawal rules?<\/span><\/strong><\/h3>\n

If you invest in PPF ,you can withdraw the amount after the completion of 5th years but only a certain amount.<\/span>
\nYou can withdraw your FD at any premature time .<\/span><\/p>\n

What are the terms of investment?<\/span><\/strong><\/h3>\n

PPF investment made in lumpsum or in installments with a maximum limit of 1.5 lakhs.<\/span>
\nFixed deposits require one to make a one time investment.<\/span><\/p>\n

Both of these investments are secure and have their own benefits . However,choosing between PPF and FD is a personal choice and should be based on one’s financial needs.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The Public Provident Fund (PPF) and Fixed Deposit (FD) are the two safest and popular…<\/p>\n","protected":false},"author":2,"featured_media":818,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2],"tags":[],"yoast_head":"\nPublic Provident Fund vs Fixed Deposit.Which is better?<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.thepktalks.com\/public-provident-fund-vs-fixed-deposit-which-is-better.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Public Provident Fund vs Fixed Deposit.Which is better?\" \/>\n<meta property=\"og:description\" content=\"The Public Provident Fund (PPF) and Fixed Deposit (FD) are the two safest and popular...\" \/>\n<meta property=\"og:url\" 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