PPF vs RD- Who will become rich first if you deposit Rs 1 lakh annually for 10 years? Know here
PPF vs RD- There are two popular saving schemes in the country- PPF i.e. Public Provident Fund and RD i.e. Recurring Deposit. In these, by investing 1 lakh rupees every year, you can create a huge fund in 10–15 years. But the question remains the
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PPF vs RD- There are two popular saving schemes in the country- PPF i.e. Public Provident Fund and RD i.e. Recurring Deposit. In these, by investing 1 lakh rupees every year, you can create a huge fund in 10–15 years. But the question remains the same that which gives more returns and which is more secure. Also, which among PPF and RD (PPF vs RD) will double your money first? Let us know the complete details of their returns, security and maturity.
What is PPF?
PPF is a government scheme in which you can invest for 15 years. It gives 7.10% annual interest. Both interest and principal are tax-free. It is a safe and tax saving option for the long term.
What is RD?
RD is a scheme of banks and post offices, in which a fixed amount has to be deposited every month. The interest rate ranges from 5 to 8%, but tax has to be paid on the interest.
What is the difference between the two?
PPF is better for long term and tax exemption, while RD is best for short term and fixed returns. The amount in PPF remains locked-in, while RD gives more flexibility.
According to a Department of Posts order dated July 7, 2025, RD and PPF accounts can now be opened and deposits can be made through e-KYC authentication. RD and PPF loan accounts can also be opened and repaid. Loans can be repaid against RD and PPF accounts. Withdrawals from PPF accounts (without any limit) can be made using Aadhaar biometrics at post offices.
Desclaimer: For any financial invest anywhere on your own responsibility, Times Bull will not be responsible for it.
Sweta Mitra
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