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PPF Calculator

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Invested amount ₹ 0
Est. returns ₹ 0

Maturity value ₹ 0

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Est. returns

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Maturity value

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What is PPF?

PPF is an acronym for the Public Provident Fund scheme, which is a long-term savings and investment product that offers various benefits like capital preservation, interest on investments and tax savings. To invest in the PPF scheme, you need to open a PPF account and make regular annual or monthly contributions over the investment tenure of 15 years. The minimum investment required in a financial year is Rs. 500, while the maximum investment permitted is Rs. 1,50,000. You earn interest on your PPF account balance at the rate decided by the government. The investment tenure can be extended beyond 15 years in blocks of 5 years each.

What is a PPF Calculator? 

A PPF calculator is a free online tool that helps you compute the maturity value of your PPF investments. It has a simple interface that is easy to use, even for beginners and users who are less tech-savvy. An online PPF calculator typically takes a few fundamental factors into account — like the annual PPF investment, the period of investment in years and the PPF interest rate.

 

You can submit these details in the PPF account calculator to find an estimate of the maturity value of your PPF investments. This can give you a better idea of the potential corpus you may have at the end of the investment tenure, so you can align your financial goals accordingly. 

How to Use the Bajaj Broking Online PPF Calculator? 

The Bajaj Broking PPF return calculator is a free online tool with a user-friendly interface that helps you understand how your investments in the Public Provident Fund scheme may grow over the investment period. To use this PPF calculator, here is what you need to do.

 

  • Step 1: Enter the amount you plan to invest in your PPF account annually.
  • Step 2: Enter the investment period in years.
  • Step 3: Submit the rate of interest on your PPF account balance.

 

Once you provide this information, the Bajaj Broking PPF calculator will display the total amount invested, the interest or returns earned thereon and the total maturity value of your PPF investments at the end of the tenure.

What are the Benefits of a PPF Calculator? 

A PPF calculator can be useful for long-term investors who want clarity about how their investments may grow over time. The benefits of using an online PPF calculator include the following:

 

  • Ease of Use: With a user-friendly structure, a PPF calculator simplifies computations and requires only basic inputs like the investment amount, duration and interest rate.
  • PPF Strategy Creation: You can also use a PPF calculator to compare how different amounts will grow over the PPF tenure and create an effective strategy for your goals.
  • Error-Free Computation: The PPF calculator formula may be complicated for manual use. However, this online tool helps eliminate any human error from your calculations.
  • Free and Easily Accessible: With PPF calculators now available free of cost online, they offer unparalleled accessibility to users who want to invest in the PPF scheme. 

What is the PPF Calculator Formula?

Since a PPF calculator essentially finds the maturity value of the investments made, this is the PPF calculator formula:

 

M = P x [{(1 + r)n — 1} ÷ r]

 

Where:

  • M is the maturity amount
  • P is the annual investment made in the PPF account
  • r is the annual interest rate
  • n is the number of years over which you wish to continue investing in the scheme

Examples of PPF Calculation

Let us check out an example to understand how a PPF calculator can help you plan your PPF investments effectively. Say you invest Rs. 1 lakh annually in your PPF account. Using a PPF calculator, you can calculate how these investments will grow at the current interest rate of 7.1% per annum over different tenures like 15 years, 20 years, 25 years and so on, as shown below.

 

Investment Tenure

Total Investment

Total Interest Earned

Maturity Value

15 yearsRs. 15,00,000Rs. 12,12,139Rs. 27,12,139
20 yearsRs. 20,00,000Rs. 24,38,859Rs. 44,38,859
25 yearsRs. 25,00,000Rs. 43,72,010Rs. 68,72,010
30 yearsRs. 30,00,000Rs. 73,00,607Rs. 1,03,00,607
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Frequently Asked Questions

How accurate are PPF calculators?

Answer Field

PPF calculators use the PPF calculator formula to compute the maturity value of your investments in the Public Provident Fund scheme. So, they are fairly accurate and devoid of human error. However, it may not be 100% accurate because it is not possible to predict the future PPF interest rates.

Are EPF and PPF calculators the same?

Answer Field

No, a PPF calculator computes the maturity value of your investments in the Public Provident Fund scheme. However, an EPF calculator evaluates the maturity value of your Employees’ Provident Fund investments. 

Is PPF investment tax-free?

Answer Field

Yes, PPF investments enjoy EEE (exempt-exempt-exempt) tax status. This means the investment amount is tax deductible u/s 80C and the interest earned as well as the maturity amount is tax-free. However, the 80C deduction is only available in the old tax regime.

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