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Calculate PPF maturity value with ₹1.5L annual deduction benefit
Maturity Amount
Total Interest Earned
Invested Amount
PPF (Public Provident Fund) is India's most trusted, government-backed small savings scheme. Invest ₹500-1.5 lakh annually for 15 years, earn government-guaranteed 7-8% (currently 8.2%) p.a., and get complete tax exemption (EEE: Entry tax-free, Earning tax-free, Exit tax-free). At maturity (15 years), corpus is fully yours; extend for another 5, 10, 15 years earning same tax-free rate. A ₹1.5L annual investor for 15 years builds ₹40+ lakh corpus by age 60+. PPF is ideal for: conservative investors (zero risk—backed by government), salaried professionals (use as tax-save tool, duplicate of ELSS but lower returns), retirees (post-maturity extension for income), children's education fund (open account at birth, matures at 21). PPF carries sovereign guarantee—no default risk, making it psychologically reassuring for risk-averse Indians. Only drawback: lower returns (7-8%) vs equity (12-15%), but safety trade-off is worth it for portion of portfolio.
A = P × (1 + r/n)^(n×t)Where:
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This calculator is provided for informational and educational purposes only. While we strive for accuracy, results should be verified with official sources or by consulting qualified professionals. Tax laws, rates, and regulations are subject to change. GotRedFlags is not responsible for financial decisions made based on these tools.