PPF Calculator — Public Provident Fund Maturity Calculator 2026 | Faydemand

PPF Calculator — Guaranteed Tax-Free Wealth ka Blueprint

Yaar, agar India mein koi ek investment hai jo "too good to be true" lagti hai — par actually sach hai — toh woh hai PPF yaani Public Provident Fund. Socho: tumhara invest karna tax-free, interest earn karna tax-free, aur maturity par withdraw karna bhi tax-free. Teen baar tax-free — isko government ki language mein EEE category kehte hain — Exempt, Exempt, Exempt.

Iske upar guaranteed government-backed returns — 7.1% currently — jo market volatility se bilkul independent hain. Na stock market crash ka darr, na interest rate uncertainty. Bas patient rehno 15 saal — aur ek solid tax-free corpus ready.

Lekin problem yeh hai ki zyaadatar log PPF ka pura power nahi samajhte. "15 saal bahut lamba hai yaar" — yeh sochke ya toh start nahi karte, ya minimum amount daalte rehte hain bina calculate kiye ki 15 saal mein actually kitna banega.

Faydemand ka PPF Calculator exactly yahi kaam karta hai — tum apna yearly investment daalo, aur instantly dekho 15 saal mein kitna tax-free corpus banega. Year-wise breakdown bhi milti hai — taaki clearly samajh aaye ki compounding kaise kaam kar raha hai har saal.

Is page par tum seekhoge:

PPF kaise kaam karta hai — complete structure
Exact formula jo PPF interest calculate karta hai
3 real worked examples — minimum se maximum investment tak
PPF vs ELSS vs FD — kab kaunsa better hai
PPF extension aur partial withdrawal ke rules
Common mistakes jo PPF investors karte hain

Chahe tum ₹500/year se shuru karo ya ₹1.5 lakh/year dalo — Faydemand ka PPF Calculator tumhe exact tax-free corpus projection deta hai. PPF India ka sabse underrated wealth building tool hai — aaj jaano, aaj shuru karo.

PPF Calculator Kya Hota Hai?

PPF Calculator ek free online financial planning tool hai jo tumhara Public Provident Fund account ka maturity amount calculate karta hai — tumhare yearly investment, current interest rate (7.1%), aur tenure ke basis par.

PPF ek government-backed long-term savings scheme hai — jo 1968 mein launch hui thi aur aaj bhi India ke sabse popular tax-saving investments mein se ek hai. Iska sabse bada USP hai EEE tax status — jo kisi bhi other mainstream investment mein nahi milta.

PPF ke key features jo calculator mein reflect hote hain:

Tenure: 15 financial years — extend kar sakte ho 5-5 saal mein
Minimum Investment: ₹500 per financial year
Maximum Investment: ₹1,50,000 per financial year
Interest Rate: Currently 7.1% p.a. — government quarterly review karti hai
Compounding: Annual — interest 31 March ko credit hota hai
Tax: EEE — invest/earn/withdraw sab tax-free
80C Benefit: Poori invested amount 80C ke under deductible

PPF Calculator kaun use karta hai?

Tax Savers: Jo 80C limit maximize karna chahte hain safe guaranteed investment se
Long-Term Planners: Jo retirement ke liye tax-free corpus build kar rahe hain
Conservative Investors: Jo market risk nahi lena chahte par inflation-beating returns chahiye
Parents: Jo bacche ke naam PPF account kholke 15-saal corpus build kar rahe hain
Salaried Employees: Jo EPF ke saath additional tax-free savings chahte hain

Faydemand ka PPF Calculator 3 inputs leta hai: Yearly Investment Amount (₹500 to ₹1,50,000), PPF Interest Rate (currently 7.1%), aur Tenure (15 years minimum). Aur deta hai: Total Amount Invested, Total Interest Earned (tax-free), Maturity Amount (completely tax-free), aur Year-wise breakdown.

Bonus: Tum different yearly amounts try kar sakte ho — ₹50,000 vs ₹1,00,000 vs ₹1,50,000 — aur instantly dekh sakte ho kitna fark padta hai maturity mein.

How the PPF Calculator Works

The Faydemand PPF Calculator simulates how your Public Provident Fund account grows over its 15-year tenure using annual compounding at the current government-declared interest rate. Here is a complete breakdown of the calculation process.

1

Enter Your Yearly Investment Amount — PPF contributions are made annually — not monthly like SIP or RD. You can invest anywhere between ₹500 and ₹1,50,000 per financial year. The calculator assumes a fixed annual amount for simplicity.

2

Enter the PPF Interest Rate — The current PPF interest rate is 7.1% per annum as of 2026. The government reviews this quarterly and may revise it. For planning, most calculators use the current rate as constant — actual returns may vary slightly if rate changes.

3

Enter the Tenure — The standard PPF tenure is 15 financial years — counted from account opening year. After 15 years, you can extend in 5-year blocks. The calculator handles both 15-year standard and extended tenures.

4

Calculator Applies Annual Compounding — PPF interest is compounded annually and credited on 31st March. Important: interest is calculated on the minimum balance between 5th and last day of each month. Deposit before 5th of a month — that month earns interest. After 5th — that month's interest is lost.

5

Year-wise Breakdown Is Generated — The calculator shows Opening Balance, Amount Invested, Interest Earned, and Closing Balance for each year. In early years interest is small — in years 13–15 the annual interest alone exceeds the yearly contribution.

6

Final Results Are Displayed — Three key numbers: Total Invested (cumulative contributions), Total Interest Earned (tax-free compounded returns), and Maturity Amount (complete tax-free corpus). Calculator assumes constant rate, fixed annual investment, and no partial withdrawals.

PPF Formula — How Returns Are Calculated

PPF uses annual compound interest with a year-by-year accumulation model.

functions Formula — Year-by-Year
Balance_year_1 = P + (P × r)
Balance_year_2 = (Balance_year_1 + P) × (1 + r)
Balance_year_n = (Balance_year_(n-1) + P) × (1 + r)

Variable	Meaning	Value
P	Annual PPF contribution	₹1,50,000 (max)
r	Annual PPF interest rate	7.1% = 0.071
n	Year number (1 to 15)	1 to 15

functions Closed-Form Formula (Future Value of Annuity Due)
M = P × [(1 + r)^n – 1] × (1 + r)
    ─────────────────────────────
                 r

calculate Calculation — ₹1,50,000/year for 15 years at 7.1%
M = 1,50,000 × [(1.071)^15 – 1] × (1.071) / 0.071
M = 1,50,000 × [2.8057 – 1] × 1.071 / 0.071
M = 1,50,000 × 27.21
M ≈ ₹40,68,209
──────────────────────────────────────
Total Invested  : ₹1,50,000 × 15 = ₹22,50,000
Interest Earned : ₹18,18,209 (completely tax-free)
Maturity Amount : ₹40,68,209

tips_and_updates Key Insight — The 5th Rule
Always deposit PPF amount BEFORE 5th April (start of financial year).
Depositing after 5th April = losing one full month of interest on that year's contribution.
₹1.5 lakh/year × 1 month lost = ₹887/year → ₹13,000+ over 15 years (compounded).

PPF Calculator — Real Worked Examples

Example 1 The Minimum Investor — Rohit, ₹500/year for 15 Years

Rohit is a 22-year-old college student with very limited income. He opens a PPF account with just ₹500/year — the minimum required to keep the account active — to see what even minimum investment does over 15 years at 7.1%.

calculate Calculation
Annual Investment : ₹500  |  PPF Rate : 7.1%  |  Tenure : 15 years
M = 500 × 27.21 → ≈ ₹13,561

Year	Investment	Interest	Closing Balance
1	₹500	₹36	₹536
5	₹500	₹196	₹2,953
10	₹500	₹464	₹6,932
15	₹500	₹897	₹13,561

Parameter	Value
Total Invested	₹7,500
Interest Earned	₹6,061 (tax-free)
Maturity Amount	₹13,561

Even ₹500/year — less than ₹42/month — creates ₹13,561 in 15 years. The account stays active, 80C benefit applies on ₹500 per year, and the habit of PPF investing is established. Rohit can increase his contribution every year as income grows.

Example 2 The Middle-Ground Investor — Priya, ₹50,000/year for 15 Years

Priya is a 30-year-old teacher earning ₹35,000/month. She invests ₹50,000/year in PPF — roughly ₹4,167/month equivalent — for both 80C tax saving and long-term corpus building at 7.1%.

calculate Calculation
Annual Investment : ₹50,000  |  PPF Rate : 7.1%  |  Tenure : 15 years
M = 50,000 × 27.21 → ≈ ₹13,56,070

Tax Saving Benefit (20% slab)	Amount
Total Invested (15 years)	₹7,50,000
Interest Earned	₹6,06,070 (tax-free)
Maturity Amount	₹13,56,070
80C deduction per year	₹50,000
Tax saved per year (20%)	₹10,000
Total tax saved over 15 years	₹1,50,000
Effective net investment	₹6,00,000
Return on effective investment	₹13,56,070 — 126% gain

Priya invests ₹7.5 lakh over 15 years and gets back ₹13.56 lakh — completely tax-free. Factor in tax savings and her effective cost is only ₹6 lakh. That's a 126% return on actual out-of-pocket investment — the compounding of both interest AND tax savings working together.

Example 3 The Maximum Investor — Vikram, ₹1,50,000/year for 15 Years

Vikram is a 35-year-old software engineer in Pune earning ₹1.8 lakh/month. He maxes out his PPF at ₹1,50,000/year for 15 years at 7.1% — specifically for retirement planning.

calculate Calculation
Annual Investment : ₹1,50,000  |  PPF Rate : 7.1%  |  Tenure : 15 years
M = 1,50,000 × 27.21 → ≈ ₹40,68,209

Year	Annual Interest	Closing Balance
1	₹10,650	₹1,60,650
5	₹57,847	₹8,96,687
10	₹1,04,142	₹20,71,571
15	₹2,69,283	₹40,68,209

Parameter	Value
Total Invested	₹22,50,000
Interest Earned	₹18,18,209 (tax-free)
Maturity Amount	₹40,68,209
Tax saved (30% × 15 yr)	₹7,02,000
Effective net investment	₹15,48,000
Return on effective investment	163% gain

Observation: In Year 15, annual interest alone (₹2,69,283) is more than the yearly contribution (₹1,50,000). This is compounding in full force — money making more than you contribute. Vikram invests ₹22.5 lakh and gets back ₹40.68 lakh, all tax-free.

How to Use Faydemand PPF Calculator — Step-by-Step

Plan your 15-year tax-free wealth building in under 2 minutes.

1

Open the PPF Calculator — Go to faydemand.in → Calculators → PPF Calculator. No login required. Loads instantly on mobile and desktop.

2

Enter Your Yearly Investment Amount — Enter the amount you plan to contribute each financial year. ₹500 is the minimum to keep account active. ₹1,50,000/year is the maximum for full 80C and maximum corpus. You don't have to invest the same amount every year — but a fixed amount gives the clearest projection.

3

Enter PPF Interest Rate — Enter 7.1% — the current rate as of 2026. For conservative planning, try 6.5–7% to see a lower-bound estimate.

4

Set the Tenure — Enter 15 for standard PPF tenure. If you plan to extend — enter 20 or 25 years to see the dramatic difference. Even 5 extra years significantly boosts your final corpus.

5

Read Your Results — Four outputs appear: Total Invested (cumulative contributions), Total Interest Earned (completely tax-free), Maturity Amount (final tax-free corpus), and Year-wise Breakdown (how corpus grows each year).

6

Experiment with Scenarios — Try ₹50,000/year vs ₹1,00,000/year vs ₹1,50,000/year to see corpus difference. Try 15 years vs 20 years vs 25 years to see extension power. Try 7.1% vs 6.5% vs 7.5% to see rate sensitivity.

7

Calculate Tax Savings Separately — Find your income tax slab (10%, 20%, or 30%). Multiply annual PPF investment by slab rate = annual tax saved. Subtract total tax saved from total invested = effective net investment. Compare maturity to effective net investment = your real gain.

8

Combine with EPF Calculator — If you are salaried, use Faydemand's EPF Calculator to see combined retirement corpus from both PPF and EPF. Together they form a powerful tax-free retirement foundation. Troubleshooting: check tenure is in years not months — and verify interest rate is not zero.

PPF Investment — 7 Pro Tips

5 April Se Pehle Invest Karo — Poora Saal Ka Interest Milega

PPF interest calculate hota hai har mahine ki 5 tarikh aur mahine ki aakhri tarikh ke beech minimum balance par. April 5 se pehle yearly contribution daal do — poore saal ka interest milega. Har saal ₹1.5 lakh par ek mahine ka interest ≈ ₹887 — 15 saal mein ≈ ₹13,000+ extra. Compounded asar bada hota hai.

PPF Extension With Contribution — Retirement Ka Secret Weapon

15 saal baad PPF band mat karo. Extension with contribution leke 5 saal aur invest karo. 20 saal mein ₹1.5 lakh/year ka corpus ≈ ₹66 lakh vs 15 saal mein ₹40 lakh. Sirf 5 extra saal = ₹26 lakh extra — completely tax-free. Retirement planning ke liye yeh extension best decisions mein se ek hai.

Spouse Aur Minor Child Ke Naam Alag PPF Account

Spouse ke naam alag PPF account open ho sakta hai. Minor child ke naam bhi PPF account possible hai. Combined family mein ₹3 lakh per year PPF mein daal sakte ho — double the tax-free corpus building. Note: minor ke account mein contribution parent ke 80C limit mein count hota hai.

Partial Withdrawal 7th Year Se Available Hai

7th financial year se PPF se partial withdrawal allowed hai — 4th year ke end balance ka 50% tak. Yeh feature PPF ko completely illiquid nahi banata — emergency mein paisa available ho sakta hai. Loan against PPF bhi 3rd year se 6th year ke beech available hoti hai. Planning mein yeh flexibility factor karo.

PPF Aur ELSS Dono Chalao — Best of Both Worlds

PPF guaranteed, tax-free, safe. ELSS market-linked, potentially higher returns, 3-year lock-in. Dono 80C ke under aate hain. Ideal split: ₹1,00,000 PPF + ₹50,000 ELSS — ya apne risk tolerance ke hisaab se adjust karo. PPF floor provide karta hai, ELSS ceiling. Long-term mein best risk-adjusted return deta hai.

PPF Account Post Office Mein Bhi Khol Sakte Ho

PPF account kisi bhi nationalized bank — SBI, PNB, Bank of Baroda — ya designated Post Office mein khol sakte ho. Minimum documentation — Aadhaar aur PAN. Online PPF contributions most banks ke net banking se possible hain. Mobile banking pe bhi April 5 se pehle transfer ho jaata hai — woh bhi kaam karta hai.

PPF Loan Feature — FD Break Karne Ki Jagah Use Karo

3rd–6th year mein emergency aaye — PPF loan lete ho at PPF rate + 2% = 9.1%. PPF 7.1% earn kar raha hai, loan 9.1% par milega. Net cost sirf 2% — personal loan (12–18%) se bahut better. FD break karne ya personal loan lene se kaafi sasta option hai.

PPF Ke 5 Key Benefits

EEE Status — India Ka Most Tax-Efficient Investment

PPF ki EEE categorization unique hai. Invest karo — 80C deduction milti hai (tax-free invest). Interest earn karo — income tax nahi lagta (tax-free earn). Maturity par withdraw karo — zero tax (tax-free withdraw). Koi bhi FD, RD, mutual fund completely EEE nahi hai. High-income earners ke liye 30% bracket mein yeh biggest competitive advantage hai.

Government Guarantee — 100% Safe

PPF sovereign guarantee ke saath aata hai — directly Government of India backed. Koi bank fail ho sakta hai, koi company bankrupt ho sakti hai — par Government of India ka PPF account default nahi karega. Yeh absolute safety kisi bhi private instrument mein nahi milti. Conservative investors ke liye yeh defining factor hai.

Compounding Over 15 Years — Wealth Multiplier

15 saal ki annual compounding at 7.1% — even without market exposure — creates significant wealth. ₹1.5 lakh/year × 15 saal = ₹22.5 lakh invested → ₹40.68 lakh maturity. Almost 81% profit — completely tax-free. Aur agar extend karo 20–25 saal tak toh corpus dramatically zyada ho jaata hai.

Loan aur Partial Withdrawal Facility

3rd year se loan, 7th year se partial withdrawal — PPF completely illiquid nahi hai. Emergency situations mein yeh features safety net provide karte hain without disturbing the long-term corpus significantly.

Attachment Protection — Legal Shield

PPF account court orders se attach nahi kiya ja sakta — except for income tax authorities under certain conditions. Creditors, legal disputes, ya bankruptcy proceedings mein bhi PPF corpus protected hai. Yeh unique legal protection kisi bhi other investment instrument mein nahi milti India mein.

PPF Mein 5 Common Mistakes — Jo Zaroor Avoid Karo

Galti 1: PPF Mein Minimum Amount Daalna — 80C Waste Karna

Kai log PPF account open kar lete hain aur ₹500 ya ₹1,000/year daal ke bhool jaate hain. Agar tumhari taxable income hai aur 80C limit poori nahi bhar rahe — PPF mein zyada daalna chahiye. Maximum ₹1.5 lakh/year ka 80C benefit aur EEE status combined — yeh combination miss karna genuinely expensive mistake hai.

Galti 2: 5 April Ke Baad Invest Karna

Yeh most common PPF mistake hai. Log December ya January mein yaad karke invest karte hain — par tab April–November ka interest already miss ho chuka hota hai us contribution par. Har financial year April mein hi invest karo — ideally April 1–5 ke beech. Calendar reminder set karo — yeh one reminder 15 saal mein thousands of rupees save karta hai.

Galti 3: 15 Saal Baad Immediately Withdraw Karna

Maturity par immediately withdraw karna often suboptimal decision hai — especially if you do not need the money immediately. Extension with contribution 5 saal aur karo — corpus dramatically badhta hai. Even extension without contribution better ho sakta hai than withdrawing and reinvesting elsewhere after tax implications.

Galti 4: PPF Ko Sole Retirement Instrument Samajhna

PPF excellent hai — par sole retirement tool ke roop mein insufficient ho sakta hai especially for higher income earners. ₹1.5 lakh/year × 15 saal = ₹40 lakh corpus — jo 2040 ki inflation ke against limited ho sakta hai. PPF ko NPS, ELSS, aur equity SIP ke saath combine karo robust retirement portfolio ke liye.

Galti 5: Minor Child Account Ko Track Na Karna

Parents minor ke naam PPF account kholte hain aur bhool jaate hain. Minor 18 saal ka hone par account automatically major account mein convert ho jaata hai — tab uska full control child ko mil jaata hai. Yeh transition properly handle karo — documentation update karo aur nomination ensure karo.

PPF — 5 Real-World Use Cases

Use Case 1: Salaried Employee Ka 80C Optimization

Rajesh ek 32-saal ka bank employee hai — 20% tax bracket mein. Uski EPF contribution already ₹72,000/year hai. 80C limit ₹1,50,000 hai — toh remaining ₹78,000 PPF mein dalta hai. Faydemand Calculator: ₹78,000/year × 15 saal at 7.1% = ₹21,17,000 maturity. Plus ₹15,600 annual tax saving = ₹2,34,000 saved over 15 years. Effective cost: ₹9,36,000. Maturity ₹21,17,000 = 126% real gain.

Use Case 2: Housewife Ka Independent Wealth Building

Sunita ghar chalati hai — koi personal income nahi. Husband monthly ₹5,000 deta hai uske naam PPF mein — ₹60,000/year. 15 saal mein: ₹60,000/year at 7.1% = ₹16,32,883 maturity — completely tax-free, completely Sunita ke naam. Yeh uski financial independence aur security hai jo completely self-built hai.

Use Case 3: Parent Ka Child Education Planning

Amit ne apni 3-saal ki beti ke naam PPF account khola. ₹1,00,000/year invest kiya — 15 saal tak. Beti 18 saal ki hogi tab maturity: ≈ ₹27,12,139. Plus Amit ke 80C mein ₹1,00,000 ka deduction har saal — 30% bracket mein ₹31,200 saved per year = ₹4,68,000 total savings. College fees aur early career expenses ke liye solid tax-free fund ready.

Use Case 4: Extended PPF — Retirement Supercharger

Neha ne 30 saal ki umar mein PPF shuru kiya — ₹1,50,000/year. 15 saal baad (age 45) maturity ₹40,68,209. Usne withdraw nahi kiya — extension with contribution liya 5 more saal. Age 50 par total corpus: approximately ₹66 lakh. Phir 5 saal extend kiya without contribution — corpus at age 55: approximately ₹93 lakh — completely tax-free. Ek PPF account, 25 saal, ₹93 lakh — tax-free retirement corpus.

Use Case 5: Self-Employed Professional Ka Tax Planning

Dr. Sharma ek dermatologist hain — self-employed, 30% tax bracket. EPF nahi hai unka. PPF mein ₹1,50,000/year maximum invest karte hain — ₹46,800 tax saved annually (30% + cess). 15 saal mein: maturity ₹40,68,209 + total tax saved ₹7,02,000. Effective cost ₹15,48,000 — return on effective investment: 163% real gain. Self-employed professionals ke liye PPF ka importance EPF waalon se bhi zyada hai.

Frequently Asked Questions

What is the PPF interest rate in 2026 and how often does it change?expand_more

2026 mein PPF interest rate 7.1% per annum hai. Government har quarter — April, July, October, January — rate review karti hai aur potentially revise kar sakti hai. Historically PPF rate 7%–12% ke beech rahi hai — 1999 mein 12% tha, gradually kam hua hai. 7.1% rate relatively stable rahi hai last few years mein. For planning purposes, current rate use karo — par minor fluctuations possible hain tenure ke dauran.

Can I open more than one PPF account?expand_more

Nahi — ek individual sirf ek PPF account rakh sakta hai. Agar galti se do accounts open ho gaye — second account interest nahi earn karta aur close karna padta hai. Par tum apne minor child ke naam alag PPF account open kar sakte ho — us account ka contribution tumhare 80C limit mein count hota hai. Spouse ke naam bhi alag account possible hai — unka 80C separately claim hoga agar woh bhi taxpayer hain.

What happens to PPF account after 15 years?expand_more

15 saal baad teen options hain. Pehla — poora amount withdraw karo aur account close karo. Doosra — extension with contribution: 5-5 saal ke blocks mein extend karo with new deposits — full PPF benefits continue. Teesra — extension without contribution: no new deposits, par existing corpus interest earn karta rehta hai — full tax-free compounding continue hoti hai. Extension with contribution usually best option hai agar income continue ho rahi hai.

Can I take a loan against PPF?expand_more

Haan — 3rd financial year se 6th financial year ke beech loan available hai. Loan amount: 2nd year ending balance ka 25% tak. Interest rate: PPF rate + 2% (currently 7.1% + 2% = 9.1%). Loan 36 months mein repay karna hota hai. Ek baar loan repay ho jaaye — doosra loan 6th year ke baad available hota hai. Yeh emergency mein bahut useful feature hai — personal loan se kaafi sasta hota hai.

Is partial withdrawal allowed from PPF?expand_more

Haan — 7th financial year se partial withdrawal allowed hai. Maximum withdrawal: 4th year ending balance ya previous year ending balance ka 50% — whichever is lower. Ek financial year mein sirf ek partial withdrawal. Withdrawal amount par koi tax nahi lagta — completely tax-free. Par withdrawal ke baad remaining balance par hi interest milta hai — so minimize withdrawals for maximum compounding.

What is the difference between PPF and ELSS for tax saving?expand_more

Dono 80C ke under ₹1.5 lakh tak deduction dete hain — par bahut alag hain. PPF: guaranteed 7.1% returns, 15-year lock-in, completely tax-free (EEE), no market risk. ELSS: market-linked returns (historically 12–15% CAGR), 3-year lock-in (shortest among 80C options), LTCG tax on returns above ₹1.25 lakh. Long-term mein ELSS potentially zyada deta hai — par PPF guaranteed aur tax-free advantage maintain karta hai. Ideal: dono mein split investment karo — safety + growth.

Can NRIs invest in PPF?expand_more

Nahi — NRIs nayi PPF account open nahi kar sakte. Agar koi NRI banne se pehle PPF account tha — woh account maturity tak continue kar sakta hai par extend nahi kar sakta after maturity. NRI status mein naye contributions allowed nahi hain. NRIs ke liye alternative tax-efficient options hain — NRE FD (tax-free interest), ELSS (market linked), ya overseas investment accounts.

How does PPF compare to NPS for retirement planning?expand_more

Dono retirement ke liye excellent hain — par different. PPF: EEE status, guaranteed returns, more flexible withdrawal, ₹1.5 lakh/year limit. NPS: additional ₹50,000 80CCD(1B) deduction (over 80C), market-linked returns (potentially higher), 60% tax-free on maturity (40% must be annuitized). Best strategy: PPF maximize karo for guaranteed tax-free corpus + NPS for additional tax deduction + equity exposure. Faydemand par NPS Calculator bhi available hai comparison ke liye.

What is the PPF account opening process?expand_more

PPF account kisi bhi nationalized bank (SBI, PNB, Bank of Baroda, Canara etc.) ya designated Post Office mein open ho sakta hai. Documents: Aadhaar, PAN, passport photo, filled application form. Minimum opening amount: ₹500. Process: bank branch visit karo ya kuch banks mein net banking se bhi open hota hai. Account opening ke baad passbook milti hai — aur contributions net banking se bhi ho sakte hain. Nomination mandatory hai — family member ka naam dena zaroori hai.

What is the PPF maturity amount if I invest ₹1,50,000 every year for 25 years?expand_more

₹1,50,000/year at 7.1% for 25 years (15 saal + 10 saal extension with contribution): Total Invested ₹37,50,000, Estimated Maturity approximately ₹1,03,08,015, Interest Earned approximately ₹65,58,015 — completely tax-free. Haan — ₹1 crore se zyada completely tax-free sirf PPF se. Yeh isliye possible hai kyunki extension mein bhi full compounding benefits continue hote hain. 25-saal PPF plan retirement ke liye one of the most powerful strategies hai India mein.

PPF Calculator — Public Provident Fund