Inputs & Parameters
Govt SchemesMax limit is ₹1.5 Lakh per year
₹
Current govt rate is 7.1%
%
Min 15 years, extendable in blocks of 5
Yrs
Total Invested
₹22,50,000
Total Interest
₹18,18,209
Maturity Value
₹40,68,209
Wealth Over TimeYearly Balance
Wealth Split
Returns45%
Invested
₹22,50,000Interest
₹18,18,209Why the 15-Year Lock-in?
Compounding starts working its magic after the first 10 years. In the final 5 years of your PPF, the interest earned usually exceeds your yearly contribution.
Pro Tip: Extended blocks of 5 years can be chosen indefinitely.
Critical Rules
- • Max ₹1.5L investment per FY.
- • Invest before the 5th of any month for max interest.
- • Partial withdrawals allowed after 6th year.
- • Loan facility available after 2nd year.
EEE Status
Exempt-Exempt-Exempt: No tax on investment, no tax on interest, and no tax on maturity.