PPF par year-wise interest aur compounding ka exact calculation instantly dekhein — 15 saal mein interest kitna banega.
| Year | Invested | Interest | Balance |
|---|---|---|---|
| Year 1 | ₹10,000 | ₹710 | ₹10,710 |
| Year 5 | ₹50,000 | ₹4,091 | ₹61,713 |
| Year 10 | ₹1,00,000 | ₹9,856 | ₹1,48,675 |
| Year 15 | ₹1,50,000 | ₹17,980 | ₹2,71,214 |
PPF interest monthly basis par calculate hota hai (5th aur last day ke beech minimum balance par) lekin credit annually March 31 ko hota hai. Isliye 5 tarikh se pehle invest karna better hai.
PPF interest us month milta hai jab 5 tarikh ko balance PPF mein ho. Agar 6 tarikh ko invest kiya to us month ka interest nahi milega — monthly ek month ka loss hota hai.
PPF rate 2000 mein 11% tha jo gradually kam hua. 2020 mein 7.1% hua jo abhi bhi same hai. Government quarterly review karta hai par recent saalon mein change nahi hua.
7.1% tax-free return effectively 10%+ taxable return ke barabar hai 30% slab mein. FD se zyada effective return milta hai kyunki FD interest taxable hota hai.