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Financial Calculators

PPF Calculator

The Public Provident Fund (PPF) is a popular long-term investment option in India that offers tax benefits and attractive interest rates. Our PPF Calculator helps you estimate the maturity amount of your PPF investment. By providing your yearly investment and the duration of the investment, you can get a clear picture of your future savings. This tool is essential for anyone looking to invest in PPF and plan for their long-term financial goals.

For more information, visit the official India Post page for Public Provident Fund.

What is the Public Provident Fund (PPF)?

The Public Provident Fund (PPF) is a long-term savings and investment scheme backed by the Government of India. It is a popular choice for risk-averse investors due to its guaranteed returns and tax benefits. The scheme has a lock-in period of 15 years, but it can be extended in blocks of 5 years. The interest rate on PPF is set by the government and is compounded annually.

Key Features of PPF

  • Guaranteed Returns: The interest rate on PPF is fixed by the government and is generally higher than that of regular savings accounts.
  • Tax Benefits: PPF offers an Exempt-Exempt-Exempt (EEE) tax status. This means the contributions, the interest earned, and the maturity amount are all tax-free.
  • Low Investment Limit: You can start investing in a PPF account with as little as ₹500 per year. The maximum investment is ₹1.5 lakh per financial year.
  • Loan Facility: You can avail of a loan against your PPF balance from the third financial year onwards.

How to Use the PPF Calculator

  1. Enter Your Yearly Investment: Input the amount you plan to invest in your PPF account each year.
  2. Set the Duration: The minimum duration for a PPF account is 15 years. You can extend it in blocks of 5 years thereafter.
  3. Click "Calculate" to see the estimated maturity value of your PPF investment.

Interpreting the Results

  • Total Investment: The total amount you have invested over the chosen duration.
  • Total Corpus: The total value of your PPF account at maturity, including all your contributions and the interest earned. This calculator helps you see how your savings can grow over time in a secure, tax-efficient manner.