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Aditya Arora
•

Faad Network • 3h

For decades, our parents made a major mistake. They stood in lines outside banks and post offices to invest in the Public Provident Fund (PPF), Kisan Vikas Patra (KVP) and the National Savings Scheme (NSS). PPF's 7.1% interest rate, KVP's 7.5%, and NSS's 7.7% rate hardly beat India's 5.22% inflation rate. Neither do they attract any attraction in the new tax regime. If that money were invested in the Nifty Index, which grew by 12.92% in the last 20 years, your wealth would be 10 times right now than what you had. 🙏

2 replies8 likes

Replies (2)

Anonymous 2

Stealth • 3h

PPF and KVP were never meant to generate massive wealth. They were designed as stable, risk-free savings instruments. If every Indian had put their money in stocks, we’d have seen many more Harshad Mehta-style crashes.

0 replies

Anonymous 1

Stealth • 3h

This is such an oversimplified take. PPF and other schemes weren’t just about returns; they offered security. Not everyone has the risk appetite for equities, especially in a country where financial literacy is low.

0 replies

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