Calculate Public Provident Fund maturity amount
PPF (Public Provident Fund) is a government-backed savings scheme offering tax-free returns. Benefits include: EEE tax status (exempt at investment, growth, and maturity), sovereign guarantee, 7.1% interest (revised quarterly), 15-year lock-in with partial withdrawal after 7 years, and loan facility.
Maximum annual investment is ₹1.5 lakh, and minimum is ₹500. Investments qualify for Section 80C tax deduction. You can invest in lump sum or up to 12 installments yearly. Deposits before 5th of month earn interest for that month.
Partial withdrawals are allowed from the 7th year onwards—up to 50% of the balance at the end of the 4th year or previous year, whichever is lower. Loans against PPF are available from 3rd to 6th year at 1% above PPF interest rate.
After 15 years, you can: withdraw the entire amount tax-free, extend in 5-year blocks with contributions (continue tax benefits), or extend without contributions (balance earns interest). Extension must be requested within 1 year of maturity.
PPF interest is calculated monthly on the minimum balance between 5th and end of month, but credited annually on March 31st. Deposit before the 5th to maximize interest. Interest rate is set quarterly by the government and currently stands at 7.1%.
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