Tricks to Maximize returns in PPF | Thinking Tamizha | Tax saving in Tamil
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- Опубликовано: 4 дек 2021
- In this video, we have discussed tricks to maximize your returns in PPF.
To know more about PPF - • Public Provident Fund ...
Section 80 C full details
A) Guaranteed Return - Low Risk Investments
1. Employee Provident Fund (EPF) - • Employee Provident Fun...
2. Public Provident Fund (PPF) - • Public Provident Fund ...
3. Sukanya Samriddhi Yojana - • Sukanya Samriddhi Yoja...
4. National Savings Certificate
5. Senior Citizen's Savings Scheme
6. Tax saving Deposits
B) Market linked - Moderate Risk Investments
7. National Pension System (NPS) - • NPS is Tamil | Nationa...
8. Equity Linked Savings Scheme (ELSS) - • ELSS - Equity Linked S...
9. Infrastructure Investments
C) Insurance linked Products
10. Term Life Insurance
11. Life Insurance Endowment Plans - • What is ULIP and Guara...
12. Unit Linked Insurance Schemes (ULIP) - • What is ULIP and Guara...
D) Others
13. Housing Loan Principal Repayment
14. Children's Tuition Fee
Complete details on 80C: • Section-80Cஇல் 14 வழிக...
EPF in Tamil: • Employee Provident Fun...
PPF in Tamil: • Public Provident Fund ...
NPS in Tamil: • NPS is Tamil | Nationa...
ULIP/LIC & money back plans: • What is ULIP and Guara...
ELSS: • ELSS - Equity Linked S...
Sukanya Samriddhi Yogana: • Sukanya Samriddhi Yoja...
Comparison of 80C: • Section 80C Comparis...
Watch our income tax series - Calculation, old vs new tax regime, HRA, Income tax savings, Section 80C and more: • HOW TO CALCULATE INCOM...
Watch Sharemarket for beginners series: • Basics of Share Market...
Subscribe to our channel: / @thinkingtamizha007
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Super sir... 👏🏻👏🏻👏🏻 இன்று தான் உங்கள் Channel Videosஐ பார்த்தேன். Insightful and your PowerPoint skills 👌🏻🔥. இதுபோன்ற அருமையான Financial Knowledgeஐ மென்மேலும் Videoகளாக பதிவேற்ற வேண்டுகிறேன் 🙏🏻
Neatly explained
Thank you sir.
Thanku for ur great explanation..... My doubts cleared thanku again for the useful Video👍
Thank You and very informative.
நன்றாக உள்ளது நண்பரே
தகவலுக்கு நன்றி நண்பரே. பகிர்ந்துள்ளேன் பகிரியில்
Heartful thanks... Excellent explanation 👍👍
Good and clear information
Wonderful Bro ..great information ..
Very useful information 👏👏👏👌🙌🙌🙌
all 3 tips are excellent
Super brother, thanks for this very useful video
Good documentary 👏🏻👏🏻
Hi Bro, really you are giving us a good content videos keep providing the same.
தகவல்களுக்கு நன்றி
Very nice 👍 Thank you 😊
Thanks for the wonderful video
Very useful video 👍
Its very useful bro tq🙏
Thanks for your information bro🤝
To know more about PPF - ruclips.net/video/I9UTR3kB01Y/видео.html
Watch our income tax series - Calculation, old vs new tax regime, HRA, Income tax savings, Section 80C and more: ruclips.net/video/wtriages-KQ/видео.html
Section 80 C full details
A) Guaranteed Return - Low Risk Investments
1. Employee Provident Fund (EPF) - ruclips.net/video/RslX1344Bfc/видео.html
2. Public Provident Fund (PPF) - ruclips.net/video/I9UTR3kB01Y/видео.html
3. Sukanya Samriddhi Yojana - ruclips.net/video/_sThIPt_coc/видео.html
4. National Savings Certificate
5. Senior Citizen's Savings Scheme
6. Tax saving Deposits
B) Market linked - Moderate Risk Investments
7. National Pension System (NPS) - ruclips.net/video/RVC2jZXwsdQ/видео.html
8. Equity Linked Savings Scheme (ELSS) - ruclips.net/video/9upZSyPl0vs/видео.html
9. Infrastructure Investments
C) Insurance linked Products
10. Term Life Insurance
11. Life Insurance Endowment Plans - ruclips.net/video/4NAviRROgGE/видео.html
12. Unit Linked Insurance Schemes (ULIP) - ruclips.net/video/4NAviRROgGE/видео.html
Naila video TQ nainba 🎉
5th of every month interest calculated for SSY?
Nice explanation
Thanks nanba
Thank you sir
Yes sir correct
Superb
best way to approach is PPF risk-free 34% 7.1 returns, Mutual Fund high risk 33%(5 funds, if split equally we can get avg of 12% returns), Term insurance 9%, 24% ur wish PPF, MF. so avg of PPF + MF would be 9.5% returns.
Hi bro. Exact ah April 5th deposit panna andha April month ku interest calculate aagumaa pls reply me.
Ipo November 2022...IPO ppf accunt start panna profit irukuma or march2023 la pannalama
Hi sir pnb la ppf open panniruke,, ppf bond yedhachi dharuvangala evidence ku
So only better investing in April. Correct,? If I invest this year May can I show it for next year tax ?
Bro 5.39 minutes la last 2 option um same ah iruku monthly investment before 5th of month nu pls check and reply who got higher return
Why no one told about these points from Bank while opening the PPF account.
Hi you mentioned one important saving point.other youtubers not mentioned your first tip, it will use full to all.
And Additional we having another one dought PPF & EPF which one we get more returns. I heard one information about interest calculation type is different in this two. Finally compared to PPF & EPF. PPF is giving more returns compared to PPF. it really true? Please tell us.
Bro axis bank ppf podran monthly 17 day debit aghuthu debit date modified panna mudiyuma
can you please share this excel. So, we can analyze with it
Sir, i can pay 10000/- every month. But maturity amount i need within five years. Which account is best for it
Pls tell me if I deposit December month or january month.... What will happen
I'm new to ppf. How to mention investment amount of ppf in tax declaration before we invest. if I cannot deposit consistently? Please advice.
hi bro i have one doubt, recently i opened (26th May 2023) new PPF for my son name, so can i deposit 1 L first week of june month before 5th it is benefit ? pls advise
Similarly, SSY layum how to increase the returns nu podunga bro please
Sir oru doubt.
Ppf start panni 1st oru yr ku monthly 500rs deposit panren but 2nd yr starting la irunthu monthly 1000rs deposit panren athe Mari Mari 3rd la monthly 2000rs deposit panren. Ithu edhuna pblm aguma, intrest correct ah varuma, after 15yrs kalichu Nan withdraw Pannum pothu pblm aguma sir. Pls explain
Anna imm a clg student didn't know all about this na 500 kateerukan varsam varsam katanumaam 500 dha katanuma illa evlo money venaalum varusam varusam panlaama
Bro one doubt i have a open new account in april 2024 with amount 1.5lakhs after 15 years continuously invest april month of 1.5lakhs can i get higher interest
Good info bro...
I thought interest will be calculated and credited at the end of FY.
Is it calculated at every month end and credited at FY end?
Yes
Aprlil thaan inverse panna venduma
compare ppf vs elss
Month 1date pay panna pracantage athigamaguma
Thanks for tips sir, If i put 1.5L as lumpsum in April, can get 80C exemption on that financial year end?
If you invest in April 2021, you ll get benefit for financial year 2021-2022
@@thinkingtamizha007 investing in.lumpsum is benefit?
If I start account on march 2022 . From when onwards 1st day of 1 year will be calculated? From April 2022 or April 2023?
April 22
Bro, if i started PPF on Jan 2022 month then the 15 yrs calculation ll be done from Apr 2022 cycle right?
Watch this video ruclips.net/video/I9UTR3kB01Y/видео.html . We have explained all these aspects here.
Invest every 5th of every Month --- this is applicable for NPS also?
Anna, pls advise in this:
Home loan ah prepayment panrathu nallatha or antha amount ah ppf la invest pannurathu nallatha?
Repayment of loans is always advisable whatever category it might be
3.47 sec la before after varum... error iruku video laa
Bro for our 1st year account opened year will they give interest in that financial year end March or not.will interest be given for that 1st year investment
They will give interest bro
Bro if we invest in December 2021 , we can get the certificate for financial year 2021 - 2022
Yes
Thank you bro.
Should the lump some investment also should be done before 5th for max return?
Also my bank friend gave me a tip for lump some investment. He asked me to open a RD and invest the maturity amount every year. Will that be useful?
No brother. Instead of putting the money in RD every month which earns 5% interest, you can directly put in PPF which will earn 7.1%. This is true only if you havent invested 1.5L in PPF already for the financial year
@@thinkingtamizha007 thank you
Bro I opened ppf at Nov month.how they calculate fy
Bro lump sum amount min value 1.5 l or lesser than that plzz tell it (I mean 1l is an lumpsum or not)
lumpsum means one time investment. Up to a maximum of 1.5 Lakh. it can be 50K, 60K, or 1L
But oru doubt bro 3rd point la.... 1.5 l ithula fulla pana.... EPF also under 80c ... Kandipa athu elaruku pudipanga.. So 1.5l-deduction on EPF Remaining ppf la pota pothum la...
The following videos will give good idea
All about 80C - ruclips.net/video/EYTM3JpaKPU/видео.html
EPF - ruclips.net/video/RslX1344Bfc/видео.html
PPF - ruclips.net/video/I9UTR3kB01Y/видео.html
Hi bro , i get to know about your You tube channel & it's really helpful to improve our financial stability. Thanks for that . I have two doubt bro ?;
1. If i am going to open PPF account from July onwards ( 1-5day ). So my Investing period of one year is July 23 to july 24. Is in it right??
2. If i miss the monthly investment ( like monthly 5000 per month) & for 4 to 6 months, what will happen? Can i get penalty for missing month or the general penalty for a year ??
1. No.. Investment is considered for financial year.
2. No penalty.. Only if you dont invest the entire year, it may become dormant. Watch the following video for more details on PPF
- ruclips.net/video/I9UTR3kB01Y/видео.html
Suppose I invest in April 2022 , is it possible for the tax exemption for FY 2021 - 2022 or FY 2022-2023 ? Please suggest
Fy2022-23
Any other way to invest long term??
PPF account ல் ஓரு மாதத்திற்கு எத்தனை முறை பணம் செலுத்தலாம்....
Can I pay on 5th of April
Bro may I request if you can present a video where you can just show up % of amount that can be invested in different instruments. This shouldn't be applicable to all however according to your understanding, if you come up with a financial strategy would be great.
I dont understand your question
@@thinkingtamizha007 bro you have already taken a video on various tool to save tax. I would like you to give an investment strategy to save money. If you can say like 10% of monthly salary in NPS, 5 % in pf, 5 % in mutual funds, 5% in gold etc. So if you give a strategy then it will be helpful. May not be applicable to all but it will give some idea to consider from a person who has got better understanding on financials. Thank you.
great 👏👏., can we expect a video for ELSS vs PPF , which one is better 😎
We have already compared the 80c investments including PPF and ELSS in below video.
Comparison of all 80C investments: ruclips.net/video/opM2DGAbRFY/видео.html
You ll get a very good idea if you watch the following videos
Complete details on 80C: ruclips.net/video/EYTM3JpaKPU/видео.html
EPF in Tamil: ruclips.net/video/RslX1344Bfc/видео.html
PPF in Tamil: ruclips.net/video/I9UTR3kB01Y/видео.html
NPS in Tamil: ruclips.net/video/RVC2jZXwsdQ/видео.html
ULIP/LIC & money back plans: ruclips.net/video/4NAviRROgGE/видео.html
ELSS: ruclips.net/video/9upZSyPl0vs/видео.html
Sukanya Samriddhi Yogana: ruclips.net/video/_sThIPt_coc/видео.html
Bro I checked with ppf calculator .suppose we invest lumsum rs.150000, or else 12500 per month gives same return ie (40L) . There is no difference between split up an lumsum . May ur 1st point correct. But how you r telling they are calculating simple interest of every month . ( 7.1) with in 5 th . Do you have any regards. If there pls share on descriptions and ppf calculator .
I dont know which calculator you are using.. Not sure if it considers time window in which lumsum investment is made.. Note that lumpsum investment can be made in April will have different returns compared to the one made in Dec, if withdrawal happens at the same time
இந்தத் திட்டத்தில் லோன் வாங்குவது எந்த வருஷத்தில் வாங்கலாம் ஐந்து வருடங்களுக்கு மேல் இதை குளோஸ் செய்ய முடியுமா
Compare PPF with NPS please, thank you
Already compared in this video - ruclips.net/video/opM2DGAbRFY/видео.html
NPS - ruclips.net/video/RVC2jZXwsdQ/видео.html
PPF - ruclips.net/video/I9UTR3kB01Y/видео.html
Bro January la ppf account open panni 1.5 laksh deposit pannitu... Coming April la 1.5 laksh deposit panna mutiyuma bro
Yes. Max 1.5L in a financial year.
Oruvar post office and Bank Eradilum account open pannalama...
Yes.. but both put together 1.5L
Excel sheet கிடைக்குமா நண்பா
❤Tq
Sir ,for example entha year 1L kattina,next year um 1L dhan kattanuma ..ella 1.5 L kattalama
Max 1.5L per financial year. Within that evlo vena kattalam
Sir நான் March 30-2022 முதல் முறையாக PPF ACCOUNT தொடங்கினேன் Monthly இன்வெஸ்ட்மெண்ட் தான் பண்ணிட்டு இருக்கேன் இது நல்லதாக இருக்கும்
How much per month you are paying
Very informative.Thank you.i need detailed video on VPF. its interest rate is 8.1%
But can we withdraw the whole amount vpf + EPF when we need? Or any rules is there
You have videos for most of investment options
EPF - ruclips.net/video/RslX1344Bfc/видео.html
Overall 80C - ruclips.net/video/EYTM3JpaKPU/видео.html
A) Guaranteed Return - Low Risk Investments
1. Employee Provident Fund (EPF) - ruclips.net/video/RslX1344Bfc/видео.html
2. Public Provident Fund (PPF) - ruclips.net/video/I9UTR3kB01Y/видео.html
3. Sukanya Samriddhi Yojana - ruclips.net/video/_sThIPt_coc/видео.html
B) Market linked - Moderate Risk Investments
7. National Pension System (NPS) - ruclips.net/video/RVC2jZXwsdQ/видео.html
8. Equity Linked Savings Scheme (ELSS) - ruclips.net/video/9upZSyPl0vs/видео.html
C) Insurance linked Products
11. Life Insurance Endowment Plans - ruclips.net/video/4NAviRROgGE/видео.html
12. Unit Linked Insurance Schemes (ULIP) - ruclips.net/video/4NAviRROgGE/видео.html
@@thinkingtamizha007 de. cc
Interest yearly basis la add agum ? So antha interest ah enga income tax la kattanum bro ?
Interest from PPF is tax free. It comes under Exempt, Exempt and Exempt(EEE) category.
Bro I have opened PPF account in HDFc bank is it secure?
Yes. it is secure.
Post off or bank which is best
Same interest rate. No big difference.
🙏🙏🙏🙏🙏🙏
But after 5th , next month la intrest calculate aagume bro..
yes. Net month interest calculation aarambikkum
Video panuka sir
Bro tax file panrapo epdi exemption vaangurathu
For investing- You'll get deduction upto Rs.1,50,000 for a year
For redemption - The intrest amount and the final maturity amount is also exempted under income tax
Just mention the amount in respective section of income tax return and avail the exemption
If we are not investing monthly monthly means what will happen
Nothing will happen. You need to invest once a year atleast
Nanba, na month oda 5th day la auto debit set paniruken.. so ithu before 5 rule la varuma? Enala intha auto debit ah change pana mudiyala, any idea how to do it ?
Write to bank
@@Just_Do_It_x ok ok
Bro, EPF vs VPF vs PPF pathi oru comparison video podunga bro.
ruclips.net/video/opM2DGAbRFY/видео.html - Detailed comparison of all 80C investments
@@thinkingtamizha007 Thanks bro for your reply..
Ji nenga soldrathu theliva Puriyuthu eg. Month 5th before soldringa monthly 5th date anaikey pay panalama or 4th 3rd best ah
4th or 3rd to be safe.
Bro for FY 2022 best time is to put money on April 1st to 5th right? If we plan to invest for a year with huge amount then this time ia right time i hope..Please confirm
you mean FY 2023? Because FY 2022 is over
@@thinkingtamizha007 Yes bro 2023..
In case of guaranteed return plans like PPF, lumpsum in april is good. In case of mutual fund, it depends on market conditions.
@@thinkingtamizha007 Thank you so much bro.. i m going for PPF 😀
Which bank is safe to open ppf account..?
Any nationalized bank
Bro new born childku ppf open pana mudiyuma
Yes under guardian/parent
Sir monthly 2000 balance aakuthu na yathula poda use full erukum soluka come year ya erukanum sir
It depends on your need, long-term or short term. When you need returns, what is your risk taking appetite.
@@thinkingtamizha007 short term
Is it compulsory paid on monthly
No
சகோ....மாசம் 500,1000,அப்பிடினு சிறுக சிறுக போடலாம்மா....தெரிஞ்சவங்க யாராயிருந்தாலும் பதில் சொல்லுங்க
Yes podalam
Bro, LIC Labh is good investment? Pls tell
Lic la enda plans pathi bro!! Are u asking about lic endowment plans?
@@thinkingtamizha007 yes bro, LIC LABH PLAN
It is better to avoid such guaranteed return, ,money back plans. I have discussed such plans in detail in this video - ruclips.net/video/4NAviRROgGE/видео.html
@@thinkingtamizha007 bro can i get you mobile num or email id. Need to discuss with you... Its urgent bro
@@prabhu3089 Sorry. Cant share contact. pls ask ur question in comments section
You can save 1.5 lakhs by rd and pay 1.5 lakhs on april 2nd
Instead put in ppf everymonth, you ll get 7.1% instead of 5% in RD
@@thinkingtamizha007 correct. I usually save next year lump sum on current year with rd. and invest that in ppf on 2nd april. Just an another tip.
@@aarus6 useful, 👌🏽
நான் அக்டோபர் மாதம் ppf பணம் செலுத்துகிறேன் நான் அதை ஏப்பிரல் பணம் செலுத்தலாமா சொல்லுங்க
Yes
Govt policies not steady now.Suddenly one day they will say in budgets 1,50,000/# investment benefit for tax in PPF abolished !You will mad then as 15 yrs you have to wait!
If you think that way, you cannot invest in anything.