Public Provident Fund (PPF) Calculator

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Planting an Oak Tree: The Philosophy of PPF

Investing in a Public Provident Fund (PPF) is like planting an oak tree. You don't do it for quick shade. You plant a small acorn (your yearly investment), nurture it with patience and discipline, and trust in the slow, steady power of nature (compounding interest). In the first few years, the growth is barely noticeable.

But underground, a powerful root system is forming. Over 15, 20, or 25 years, that small acorn transforms into a mighty oak tree, providing immense shade (financial security) and a strong foundation for your future. It's not a get-rich-quick scheme; it's a get-wealthy-slowly-and-surely plan. This calculator lets you see a projection of your financial oak tree's growth, from a tiny acorn to a towering symbol of your patience and foresight.

Compare with Other Investment Tools

  • SIP Calculator: Explore the potential of market-linked investments for higher, but more volatile, returns.
  • Fixed Deposit Calculator: Compare returns with another safe, fixed-income investment for shorter tenures.
  • Lump Sum Calculator: See the effect of a large one-time investment instead of yearly contributions.

Frequently Asked Questions

What is PPF and why is it so popular?

The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India. It's popular because it offers a rare combination of safety, guaranteed returns, and an "Exempt-Exempt-Exempt" (EEE) tax status, meaning the investment, interest, and maturity amount are all tax-free.

What is the current PPF interest rate?

The PPF interest rate is set by the government every quarter. It can change over time. This calculator uses the rate you provide, so it's best to use a conservative average for long-term projections. For the current rate, please check the official website of the Ministry of Finance or your bank.

What happens after the 15-year lock-in period?

After 15 years, you have three options: 1) Withdraw the entire amount tax-free. 2) Extend the account in blocks of 5 years without making further contributions; your balance will continue to earn tax-free interest. 3) Extend the account in blocks of 5 years while continuing to make yearly contributions, further growing your corpus.