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    Securing Tomorrow!

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    Shubham Gaur
    National Pension Fund (NPF) and Public Provident Fund (PPF) are popular long-term investment options in India. [1] NPF is a government-sponsored pension program that offers higher potential returns compared to PPF, historically between 12-15%. [2] It allows partial withdrawals after 3 years but returns fluctuate with market performance. [3] PPF is also government-backed and offers guaranteed 7.1% returns with full tax exemptions but has lower liquidity than NPF, only allowing partial withdrawals after 7 years.

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    Securing Tomorrow!

    Uploaded by

    Shubham Gaur
    14 views13 pages
    National Pension Fund (NPF) and Public Provident Fund (PPF) are popular long-term investment options in India. [1] NPF is a government-sponsored pension program that offers higher potential returns compared to PPF, historically between 12-15%. [2] It allows partial withdrawals after 3 years but returns fluctuate with market performance. [3] PPF is also government-backed and offers guaranteed 7.1% returns with full tax exemptions but has lower liquidity than NPF, only allowing partial withdrawals after 7 years.

    Original Title

    Securing Tomorrow!(2)

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    National Pension Fund (NPF) and Public Provident Fund (PPF) are popular long-term investment options in India. [1] NPF is a government-sponsored pension program that offers higher potential returns compared to PPF, historically between 12-15%. [2] It allows partial withdrawals after 3 years but returns fluctuate with market performance. [3] PPF is also government-backed and offers guaranteed 7.1% returns with full tax exemptions but has lower liquidity than NPF, only allowing partial withdrawals after 7 years.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    14 views13 pages

    Securing Tomorrow!

    Uploaded by

    Shubham Gaur
    National Pension Fund (NPF) and Public Provident Fund (PPF) are popular long-term investment options in India. [1] NPF is a government-sponsored pension program that offers higher potential returns compared to PPF, historically between 12-15%. [2] It allows partial withdrawals after 3 years but returns fluctuate with market performance. [3] PPF is also government-backed and offers guaranteed 7.1% returns with full tax exemptions but has lower liquidity than NPF, only allowing partial withdrawals after 7 years.

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    You are on page 1of 13

    Guys Introduce Yourself and tell us about things

    you like to Do or Hobbys


    Are Investments Really Important ?

    Imagine you have some money which you earned by some small job or
    an allowance given by your parents, Instead of spending it on useless
    things you can choose to save that money and Invest It for your better
    future.

    Tell your views or opinion on this?


    Benefits Of Investing

    Earning long term returns Staying ahead of inflation


    02

    01 03
    Planning for retirement Having multiple incomes

    04
    What is NPF and PPF
    WHICH FUND?
    ● National Pension Fund (NPF) and
    Public Provident
    ● Fund (PPF) are popular investment
    options in India.
    ● Both NPF and PPF are government-
    backed savings
    ● schemes that offer longterm benefits.
    ● Today, we will compare and discuss
    the advantages and disadvantages
    of investing in NPF and PPF
    National Pension Fund/Scheme
    ● The National Pension Fund (NPF) is a government-sponsored pension
    program designed to enable systematic savings for retirement.
    ● Eligibility
    ● Individuals aged between 18 and 65 can join the NPS.
    ● It is open to both salaried and self-employed individuals
    ● Returns
    ● It has a strong potential to give higher returns in future, as compared to
    PPF it has a strong potential to give higher returns in future, as compared
    to PPF
    ● The historical returns from NPS have been in the range of 12% to 15%
    ● Taxation
    ● NPS also allows you to claim a deduction of upto Rs. 1.5 lakh deduction
    under Section 80CCD(1). Also, you can claim an additional deduction
    of Rs. 50,000 under Section 80CCD(1B
    ● Liquidity
    ● NPS allows you to partially withdraw
    funds from your NPS account. You can
    make withdrawal requests after 3 years
    of your NPS account, upto 25% of the
    total contributions.
    ● Safety
    ● NPS is a marketlinked investment
    scheme, its returns fluctuate with the
    performance of underlying assets such
    as equities, corporate bonds,
    government securities, etc.
    Public Provident Fund

    ● The Public Provident Fund (PPF) is a popular long-term savings and


    investment tool in India.
    ● It is a government-backed savings scheme with the aim of providing
    small-scale savings to various sections of society and promoting a
    habit of saving among the general public. Here are key points about
    the Public Provident Fund
    ● Eligibility
    ● Individuals, including minors, can open a PPF account.Non-resident
    Indians (NRIs) are not eligible to open a new PPF account, but
    existing accounts can be continued until maturity.a deduction of up
    to Rs. 1.5 lakh per financial year under Section 80C
    ● Taxation
    ● PPF comes under the EEE (Exempt-Exempt-Exempt) category,
    which means your investment in NPS, interest earned on your
    investments, and maturity amount, are all exempt for tax purposes.
    You can claim a deduction of up to Rs. 1.5 lakh per financial year
    under Section 80C
    ● Liquidity
    ● PPF also allows you to partially withdraw from your account, but in
    this case, you can make withdrawal requests from the 7th year
    onwards. You cannot withdraw the entire amount from your PPF
    account.
    ● Safety
    ● PPF is considered as one of the safest
    investment options in India, as it is backed by the
    Government of India and offers a guaranteed
    return in the investment period.
    ● Returns
    ● The historical return has been 7.%
    Youtube video
    Criteria NPS PPF

    Safety Low High

    Returns High Moderate

    Taxation Not fully exempt Fully exempt

    Liquidity Low Low


    QUICK Brainstorming!
    ➢ Which Investment Fund , NPF or PPF is
    better in your opinion?
    ➢ When you get older which fund will you
    invest in?
    ➢ What did you gain from this session?
    Thank you for your time and attention 🙂

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