PPF कैलकुलेटर — पब्लिक प्रोविडेंट फंड रिटर्न
PPF परिपक्वता मूल्य और अर्जित ब्याज कैलकुलेट करें। 7.1% प्रति वर्ष पर मुफ़्त PPF कैलकुलेटर।
उपयोग कैसे करें
- Enter your annual PPF deposit amount (maximum ₹1,50,000 per year).
- Set the investment period — minimum 15 years, extendable in blocks of 5 years.
- Current PPF rate is 7.1% p.a. (compounded annually). Adjust if government revises it.
फॉर्मूला
PPF Maturity = Σ [Yearly_Deposit × (1 + r)^(N - year + 1)]
Where r = annual interest rate / 100, N = total years
Interest is compounded annually. Deposits can be made as lump sum or monthly instalments.
Maximum deposit: ₹1,50,000/year. Minimum: ₹500/year.
उदाहरण गणना
Example: ₹50,000/year at 7.1% p.a. for 15 years
| Parameter | Value |
|---|---|
| Annual Investment | ₹50,000 |
| PPF Rate | 7.1% p.a. |
| Period | 15 Years |
| Total Invested | ₹7,50,000 |
| Interest Earned | ≈ ₹5,85,000 |
| Maturity Value | ≈ ₹13,35,000 |
अक्सर पूछे जाने वाले प्रश्न
PPF (Public Provident Fund) is a government-backed long-term savings scheme in India. It offers guaranteed returns, tax-free interest, and EEE (Exempt-Exempt-Exempt) tax status — contributions, interest, and maturity amount are all tax-free.
The current PPF interest rate is 7.1% p.a. (as of Q1 FY 2025-26), compounded annually. The government reviews and can revise it quarterly. Historically it has been between 7–12%.
PPF has a 15-year lock-in period. Partial withdrawals are allowed from year 7. The account can be extended in blocks of 5 years after maturity, with or without continued deposits.
Yes. PPF has EEE (Exempt-Exempt-Exempt) status: (1) Deposit qualifies for 80C deduction up to ₹1.5L, (2) Annual interest is fully tax-exempt, (3) Maturity proceeds are completely tax-free.
No. The maximum annual deposit limit is ₹1,50,000 per account. Excess amounts are neither eligible for 80C deduction nor do they earn any interest.
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