Invested: ₹75,000
Interest: ₹35,000
Maturity Amount: ₹110,000
| Year | Invested Amount (₹) | Interest Earned (₹) | Total Amount (₹) |
|---|
The Public Provident Fund (PPF) is a long-term government-backed savings scheme in India. It offers attractive interest rates, tax benefits, and is ideal for building a secure retirement corpus over 15 years or more.
✅ Track Your Retirement Savings: Get accurate projections of your PPF maturity value.
✅ Monthly & Yearly Investment Planning: Choose how and when to invest for maximum returns.
✅ Understand Compound Growth: See how your money multiplies over 15 years with annual compounding.
✅ Compare Contribution Strategies: Evaluate fixed vs flexible deposits and how they impact your maturity value.
📅 Invest Before 5th of Every Month: This ensures you earn interest for that month.
📈 Deposit in Lump Sum at Start of Year: Earn full-year interest if you deposit early in April.
⏳ Extend Beyond 15 Years: After maturity, you can continue the PPF account in 5-year blocks.
💰 Great for Tax Planning: Contributions are eligible for deduction under Section 80C and interest earned is tax-free.
🔒 PPF has a lock-in period of 15 years, but you can take partial withdrawals after 5 years for emergencies.
👨👩👧👦 You can open a PPF account for a child but the combined deposit limit (yours + child’s) is ₹1.5 lakh per year.
📜 Interest rates are reviewed quarterly by the government — check regularly to stay updated.
📈 Secure Your Future with Tax-Free Growth
Use the PPF calculator to make informed investment decisions. Bookmark this tool to plan your contributions each year for the best returns.