SOFHOUR Finance SOFHOUR Finance
IPO desk
Sign in
Report a bugTell us what went wrong. We read every report.

What kind of problem?

We also send the page link and your browser name, to help us fix it.

PLAN YOUR MONEY · 4 MIN READ

FD, RD, PPF and NPS compared

Fixed income choices and how they are taxed.

01

FD and RD

Bank deposits with a fixed rate. Interest is added to your income and taxed at your slab. Good for money you need within a few years.

02

PPF

A 15-year government scheme. Up to ₹1.5 lakh a year, deduction under 80C, and interest and maturity are tax-free. Locked in, so use it for long goals.

03

NPS

A pension account invested in shares and bonds until 60. At least 40% of the corpus buys an annuity that pays a monthly pension; the rest can be withdrawn.