Compare PPF, FD and NSC

Public Provident Fund, Fixed Deposit and National Saving Certificates

 

As an individual, I search for investment options for tax saving for financial year.

I have questions.

Where do I invest so that I can save my tax maximum PPF, FD , NSC, ELSS etc..?

Which are the best options?

Which options are safe?

Which option give more returns? Which option give different facilities like loan or withdrawal?

So here, I collect some information on PPF, FD and NSC

	PPF	FD	NSC
	PPF (Public Provident Fund) is a saving-cum-tax saving scheme	Fixed Deposit is Term Deposit. The interest rate is fixed for the whole maturity period	National Saving Certificate
Interest rate	7.9% per annum	6 to 7 % per annum (varies by bank)	NSC IX 8.1%
Lock in period	15 Years	5 years (tax benefit)	5 year
Min & Max	Min 500 and Max 1.5 Lakhs	any amount	Min 100 and Max no limit
Taxable benefit	fully tax exempt under sec 80C	tax exempt under sec 80C	tax exempt under sec 80C
Interest earned	Tax-free	Taxable	Taxable
Withdrawal	from 7th financial year	No	No
Loan	Yes, Between 3rd to 5th Year. 25% of total balance of preceding year	Yes	Yes, from any bank
Loan interest rate	2% higher than deposits	1% or 2%

Dynamics AX Cannot drop the index 'WMSSHIPMENT _dta_index_WMSSHIPMENT

Cannot drop the index 'WMSSHIPMENT _dta_index_WMSSHIPMENT Dynamics AX

Many times happens while running the forms or Synchronization error Dynamics AX.

The reason behind this is index created which is not found while the synchronization run. during synchronise it drop the index and recreate. the hypothetical index (_dta) created by SQL for analysing tuning.

In the most cases, this error comes when data base restored. Run below script for the data base from SQL

DROP INDEX WMSSHIPMENT._dta_index_WMSSHIPMENT

WHILE EXISTS (SELECT * FROM sys.indexes WHERE is_hypothetical = 1) 
BEGIN 
 DECLARE @sql varchar(max) 
 SELECT @sql = 'drop index ' + indexname + ' on [' + tablename + ']' 
 FROM (
SELECT TOP 1 indexname = i.name, tablename = o.name 
FROM sys.indexes i 
INNER JOIN sys.objects o 
ON i.object_id = o.object_id 
WHERE i.is_hypothetical = 1 and o.type = 'u'
) x 
 SELECT @sql 
 EXEC (@sql) 
END 
GO 

WHILE EXISTS (SELECT * FROM sys.stats i WHERE OBJECTPROPERTY(i.[object_id],'IsUserTable') = 1 AND i.[name] LIKE '_dta%' and user_created = 0) 
BEGIN 
 DECLARE @sql varchar(max) 
 SELECT @sql = 'drop statistics [' + object_name(i.[object_id]) + '].['+ i.[name] + ']' 
 FROM sys.stats i 
 WHERE 
OBJECTPROPERTY(i.[object_id],'IsUserTable') = 1 AND 
i.[name] LIKE '_dta%' and user_created = 0 
 SELECT @sql 
 EXEC (@sql) 
END