Parents ने कहा "PPF खोलो" — सही कहा। Government-backed, tax-free, ₹1.5L/year → ₹40 lakh 15 years में।
Free Tool
PPF Maturity Calculate — Free!
Year-wise breakdown, tax savings।
PPF Basics
| Feature | Detail |
|---|---|
| Rate | 7.1%/year |
| Lock-in | 15 years |
| Max deposit | ₹1,50,000/year |
| Tax | EEE — invest, interest, maturity सब tax-free |
5 तारीख Rule
हर महीने 5 तारीख से पहले deposit करो। Interest 5th-30th के minimum balance पर calculate होता है। April 5 lump sum = best strategy।
Example
₹1.5L/year × 15 years @ 7.1%:
| Deposited | Interest | Maturity |
|---|---|---|
| ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
How to Use the Tool (Step by Step)
- 1
Amount enter
₹500-₹1,50,000/year।
- 2
Duration
15 years min।
- 3
Rate
7.1% (quarterly review)।
- 4
Maturity देखें
Year-wise breakdown।
Frequently Asked Questions
15 years बाद कितना?+−
₹1.5L/year → ~₹40.68 lakh। Tax-free।
5 तारीख क्यों?+−
Interest 5th-30th minimum पर calculate। 6 तारीख deposit = उस month zero interest।
PPF vs FD?+−
PPF 7.1% tax-free। FD 6.5-7% taxable। After tax PPF clearly better।
2 PPF accounts?+−
नहीं — per person 1 only। दूसरा account no interest।
Free — No Signup Required
PPF Maturity Calculate — Free!
Year-wise breakdown, tax savings।
PPF Calculator खोलें →