SIP vs FD: ₹500 se kaha invest karna sahi hai?

 

Introduction:

Aaj ke time mein log chahte hain ki thoda-thoda paisa invest karke future secure karein.
Lekin jab budget ₹500 ka ho, tab confusion hota hai – SIP karein ya FD?

Chalo simple bhaasha mein samajhte hain.

SIP kya hota hai?

SIP ka full form hota hai Systematic Investment Plan.
Isme aap har mahine ₹500 ya jitna chaho, utna mutual fund mein daal sakte ho.

Fayde:

• ₹500 se start kar sakte ho

• Zyada return milta hai (10–15% tak)

• Long term mein compounding se paisa badhta hai

• Kabhi bhi band ya start kar sakte ho

Nuksan:

• Market ke upar–neeche hone par risk hota hai

• Short term mein loss bhi ho sakta hai

FD kya hota hai?

FD matlab Fixed Deposit.
Isme aap paisa ek fixed time ke liye bank mein rakhte ho aur interest milta hai.

Fayde:

• Bilkul safe – risk nahi hota

• Fixed return milta hai (6–7%)

• Senior citizens ko extra interest milta hai

Nuksan:

• Return kam hota hai

• Lock-in period hota hai (matlab paisa nikaal nahi sakte beech mein)

• Inflation se paisa grow nahi karta

SIP vs FD Comparison (Simple words mein):

Point	SIP	FD
Minimum paisa	₹500	₹1000
Risk	Thoda hota hai	Bilkul nahi
Return	12–15% tak	6–7%
Flexibility	Kabhi bhi stop/start	Lock-in hota hai
Suitable for	Long-term	Short-term safety

Final Decision:

Agar tum safe aur sure return chahte ho → FD
Agar tum long-term mein paisa badhana chahte ho → SIP

500 rupees se start karna hai toh main recommend karunga SIP. Thoda-thoda karke paisa badh jaata hai.