PPF Calculator Online

Investment per year

₹0

Time Period (Y)

Rate of Interest % (p.a)

7.1%

All about the Public Provident Fund (PPF) Calculator

A PPF calculator is an online tool that helps you calculate the value of your investment in a Public Provident Fund (PPF) over a certain period of time. With the help of the Kuvera PPF calculator, you can avoid complications with the calculation of total interest and maturity sum.

You can use the online Kuvera PPF Calculator to figure out your possible returns based on the investment period and the current interest rate.

What Is A PPF (Public Provident Fund)?

The PPF Account, or Public Provident Fund Scheme, is one of the most popular long-term savings and investment options due to its combination of safety, returns, and tax advantages.

Interest Rate: The interest rate on PPF is revised by the government on a quarterly basis. The current interest rate is 7.1%.

Lock-In Period: A PPF account comes with a maturity period of 15 years, which can be extended in blocks of five years.

Investment: In a year, the minimum investment amount is Rs. 500 and the maximum investment per annum is Rs. 1,50,000.

How to Use the Kuvera’s PPF Calculator?

The online Kuevra PPF account calculator has a simple and easy-to-understand interface.You only need to fill in the following details in the appropriate fields, and the Kuvera PPF calculator will immediately give you information about the maturity amount, interest earned, total amount invested, etc.

Investment Tenure: The minimum investment term is 15 years, with a provision to extend in blocks of five years.
Investment Frequency: You have the option of selecting the frequency of deposits, which may be monthly, quarterly, semiannually, or annually.
Deposit amount: Enter the total amount of money you want to invest in your PPF account.
Interest rate: The current interest rate is 7.1% per annum (compounded yearly). Every three months, the interest rate on PPF accounts is reviewed. Therefore, the calculator will automatically use the current interest rate.

How Is PPF Interest Calculated?

With the help of the online Kuvera PPF Calculator, a person can easily calculate their PPF interest and the amount they will have at the end of a certain time period.

The interest in PPF is determined using a simple equation. The formula has been expressed below:

F = P [({(1+i) ^n}-1)/i]

Where:

F = Maturity Value

P = Annual Payments

i = Interest Rate

n = Number of years

For instance, if you make annual contributions of Rs 1 lakh to your PPF account for 15 years at 7.1%, your maturity proceeds would be Rs 27 lakhs at the end of 15 years.

Advantages of using the Kuvera’s PPF Calculator?

An investor can use the PPF calculator by visiting our website and entering the investment amount and time period. Using the Kuvera PPF interest calculator to project potential returns can be helpful for the following reasons.

The Kuvera PPF interest calculator provides an estimate of the amount of interest that can be earned based on the principal in hand.

It helps the investor to understand how long the investment should be held to fulfil the investment objective.
The Kuvera PPF maturity calculator provides the investment schedule in advance (as shown above), which facilitates the planning of the annual amount to be invested, the loan that can be availed, and the amount that may be withdrawn.
Since this is automated, there is no need for manual calculations, and errors can be avoided.
The calculator can be used during the tax planning stage to help you plan your investments.

PPF Account Features and Benefits

Introduced in 1968, the sole aim of this scheme was to offer investors a way to save money and grow their wealth over time with high returns. The Public Provident Fund (PPF) is backed by the Government of India. It is therefore one of the most secure investment solutions available to individuals.

Opening a PPF account

Opening a PPF account is a simple process. The only requirement is the submission of an application along with KYC, address, and identity proof. You can open a PPF account at the Post Office or any other Nationalised Bank. A few private banks are also authorised to provide PPF account opening services.

Minimum and Maximum Investment

An individual can open a PPF account with as little as Rs. 100. In a year, the minimum investment amount is Rs. 500 and the maximum investment per annum is Rs. 1,50,000.

This contribution limit applies to both minors and adults. The maximum amount that can be invested in PPF is up to Rs 1.5 lakh per year and the interest earned on it is tax-free.

Tenure

The total tenure for a PPF account is 15 years. After that, one can extend it for five years at a time. Investors can also avail a loan against their PPF account.

Some Benefits Of PPF

Risk-free, guaranteed returns: Due to the fact that the government insures PPF investments, the risk component is substantially reduced.
PPF tax benefits: Any investment up to Rs 1.5 lakh in a year into a PPF account is eligible for tax benefits under section 80C of the Income Tax Act. PPF falls under the Exempt-Exempt-Exempt (EEE) category. Thus, the principal invested, interest earned, and proceeds received at maturity are all exempt from taxation.
Loan Facilities: Investors can also avail of a loan against their PPF account. From the third to the sixth year after the account is opened, an investor is permitted to take a loan against the PPF account.
Tenure Flexibility: PPF accounts mature after 15 years. When an account reaches maturity, you may either withdraw the full balance and close the account, or you can extend it for an additional five years with or without additional contributions.

Why invest in PPF?

PPF is an excellent choice for investors who are looking for:

Assured profits

Risk-free investments
Long-term investments.

Any Indian citizen can open a Public Provident Fund Account (PPF). A guardian can opt for PPF on behalf of a minor. The account offers a 7.1% interest rate that is compounded yearly. PPF investments can be made for as little as Rs. 500 and as much as Rs. 1.5 lakh in one fiscal year. The scheme also provides a number of tax advantages.

Should you invest in a PPF scheme?

Any investor that is looking for a secure and safe investment option may choose to invest their money in the PPF because of its advantages.

An investor may utilise the PPF amount to secure their retirement, create a strategy for long-term investing, get tax benefits throughout the whole investment process, and also mitigate the negative effects of market volatility.

PPFs have a lock-in period of 15 years, but they also permit the facility of partial withdrawals and borrowing. Investments in Public Provident Fund have a little risk of loss because of the backing from the Indian government.

PPF is not just a regular tax-saving investment. It's also a long-term investment that grows with time. Many investors use this as a retirement fund.

To plan for your retirement, start investing on Kuvera, a platform that brings goal planning and investing to your fingertips. Discover 5000+ Direct Plans from India's leading AMCs, and Fixed Deposits from banks and NBFCs. We also make it super convenient to import and track your external investments in MFs, Stocks, US Stocks, Gold and EPF - all at one place. Start investing today!

FAQs

Online investing in India simplified - Kuvera

Are you looking to invest in direct mutual funds or stocks?

Welcome to Kuvera — the first 100% free online investment and financial planning platform. Discover the best investment options without subscription fees, hidden charges, or commissions, and give more power to your investments.

At Kuvera, we make investing easy, and the experience awesome. Benefit from our AI-powered technology to super-charge your investments. Set your financial goals, invest in only direct plans, minimize your long term tax impact through tax harvesting, manage family accounts, consolidate your entire investment portfolio, and more.

How to Select and Invest in the Best Mutual Fund Plans in India?

Starting your investment journey with mutual funds can be challenging. At Kuvera, we make it easier with goal planning, selection of funds, tax optimisation, and more. Create your financial goal to know the required investment amount as a lump sum and/or SIP and check out our intelligent recommendations of funds. Or choose your preferred MFs and get started. Kuvera is an online investment platform that offers direct plans with zero commissions and charges zero subscription fees.

Are you searching for the best direct mutual funds to invest in?

The Kuvera app is one of the best mutual fund apps you can use to select investments for your portfolio. Simply follow the given steps:

Step 1: Download the Kuvera app on your smartphone, or sign up on our website with your email id and mobile number. Step 2: Get on board with our quick and simple KYC flow. Step 3: Go to 'Invest' and discover direct mutual funds based on your requirement.

There are several ways to find the best-performing mutual funds on Kuvera. Explore different categories of mutual funds based on your risk appetite, including equity, debt, and hybrid funds. You can also consider investing in global funds and NFOs through Kuvera.

You can also plan your specific financial objectives like owning a home, child’s education, a dream wedding, or building a retirement corpus through goal-based money investment. Enter the amount required for your goal, and the time you have. Viola! Kuvera will tell you how much you need to invest and the best mutual fund schemes that will help you accomplish the goal.

Keep Track of Top Stocks with Kuvera

To maximise your wealth, the key is to find stocks that have the potential to outperform the market. Before buying, you need to do thorough research on the stock's fundamentals. Kuvera makes it easy to find the best shares to invest in with all the necessary details in one place.

Search for any stock and track share prices on the Kuvera app. Keep an eye on stocks that are top gainers/losers for the day, or ones with 52-week highs or 52-week lows, along with total market capitalization.

Click on any stock you want to analyse on the Kuvera, the best investment app, and get all the details you’ll need.

The stock’s real-time price
Day’s high
Day’s low
52 week high
52 week low
1-year return
5-year return
Price-to-earnings (PE) ratio
Price-to-book (PB) ratio
Earnings per share (EPS)
Market cap
Trading volume
Dividend yield

You can also check the company’s detailed history and its financials, including the balance sheet, income statement, and cash flow. What’s more, you can also compare these details of stock with industry peers on the Kuvera app.

Import your stock portfolio on Kuvera and get a single view of all your investments. Track MFs, stocks, FD and insurance - all on one dashboard.

International Money Transfer with the Kuvera App

At Kuvera, we offer a faster and more affordable option for international money transfer through our partner Wise (formerly Transferwise). It is a smarter alternative to traditional international transfers and makes it easy to send money to your loved ones.

In contrast to some providers who sneak a markup into the exchange rate, Wise uses an exchange rate provided by Reuters to ensure fair and low-cost transfers. There are no hidden charges involved, and you can track the status of your transfers.

Transfer your money online using Wise through these few simple steps:

Step 1: Create a free account with Wise on its website or app. Step 2: Enter the transfer amount and your bank details. Step 3: Input account details from the Kuvera app. Step 4: Enter the rest of the required details and click ‘Confirm’. Step 5: Pay for your transfer using your preferred payment method.

In addition to the various benefits of transferring money through Wise, you can win an Amazon Pay Gift Card worth Rs. 1000 on your first international money transfer.

Invest in fixed deposits with the Kuvera App

Fixed deposits are one of the oldest and safest investment options offered by financial institutions. As an individual, you may want to diversify your portfolio by investing in such safe and fixed-income investments. That is why the Kuvera app lets you compare interest rates and invest in FDs.

Fixed Deposit facilities offered by Bajaj Finance Limited (“BFL”), Shriram Finance Limited ("Shriram") and Mahindra Finance Limited ("Mahindra") through commercial arrangements between Vueark Technology Services Private Limited (“VTSPL”), a 100% subsidiary of AASPL, and each such Fixed Deposit issuer.

To invest in FDs through the Kuvera app, follow the given steps:

Step 1: Go to the ‘Invest’ section and click on FD. Step 2: Find the best FDs for your investment based on your preferred tenure. Step 3: Click on the name of the investment to view the details, and then select 'Start FD'. Step 4: Enter the investment amount, tenure, and deposit option (cumulative/non-cumulative), and click on ‘Continue’. Step 5: Add details of your bank account to start investing.

You can compare FDs with similar tenure on the Kuvera app to find which financial institution is offering the best interest rates. Moreover, our app lets you calculate your returns from investments.

Why Choose Kuvera?

Are you looking to invest in direct mutual funds or stocks?

By investing in direct plans on Kuvera, you can earn up to 35% more in 20 years as you do not have to pay any commission ever.

For a longer answer, take a look at some of the benefits you will get by investing through our website/app.

100% free platform: A big reason why people consider Kuvera to be the best investment platform in India is that we impose no charges/fees. Kuvera’s online platform is completely free to use, with no feature locked behind a paywall. There are no fees, hidden commissions, or AUM linked charges
On your side: At Kuvera, we want you to invest at your own pace and comfort. We enable you to become your own wealth manager. And that’s why we created an investing experience that has no place for any #FOMO or pressure. You won’t find “hot tips”. Kuvera is your safe space to invest.
Switch to direct plans with Tradesmart: Regular plans for mutual funds can be cumbersome and expensive. But, what can you do if you already have one? We offer Tradesmart, which lets you switch to direct plans of the same plan. Now, you have no need to continue paying commissions.
Achieve your financial goals: Everyone has a dream, which might involve owning a car, purchasing a new home, sending kids abroad for education, or having ample funds after retirement. With Kuvera’s goal-based investment, you too, can make your dreams a reality.
Better account management: With Kuvera’s automated tracking facility, you can easily track your entire investment portfolio. You can also let your financial advisor guide your investment decisions by adding him/her as a manager to your Kuvera account.
Manage your family’s account: You can add multiple accounts to your login ID, which will allow you to look after your family members’ investments.

Kuvera is the one platform for all your investment needs. We have an experienced team of data-driven ex-money managers and technologists who understand your investment-related requirements.

Frequently Asked Questions

1. Can I start an SIP using the Kuvera app?

Yes, you can start a Systematic Investment Plan (SIP) using the Kuvera platform. Create your goal to get our recommendations, or find an MF of your choice. Select it and enter the amount for SIP and / or the lump sum amount you want to invest. If you do not have a folio, you can create a new one to start investing.

2. What is the use of following goal-based money investment?

It is common to spend money impulsively on things like a fancy gadget or an expensive vacation and end up not having enough funds for the important stuff. A goal-based investment prevents this as you are less likely to take money away from your goal of child’s education or retirement. When the money is tagged against a goal, we get more committed to ensure the financial goal is on track.

3. How do I create my financial goal on Kuvera?

To create your financial goal, follow these steps:

Step 1: Go to Create a Set a Goal Step 2: Enter an estimated cost of that goal. Step 3: Enter your age, investment period, planned loans, and upfront investment (if any). Step 4: Kuvera app will show the required monthly investment for this goal. Step 5: Add this goal to view recommended investments.

4. How does Kuvera’s Tax Harvesting technique work?

Tax Harvesting is a technique that involves benefitting from LTCG tax on equity funds. Long-term capital gains earned from equities and equity-related investments are taxable at a 10% rate on returns above Rs. 1,00,000 in a financial year. If you sell and buy back part of your investments every year, you can save on taxes. This utilises the ₹1 Lakh annual LTCG exemption by selling and buying back part of your investment such that you “realise” gains and not pay taxes on the exempt Rs 1 Lakh of LTCG. At Kuvera, we monitor your portfolio and recommend a transaction when applicable. We use sophisticated modelling to decide when is the right time to harvest taxes. Then we recommend the transactions you need to execute to harvest LTCG.

5. Why would I want to switch from a regular plan to a direct plan for mutual funds?

In regular plans, you pay commissions to the broker or the distributor, which can be as much as 1.5% of the value of your holding, every single year. This 1.5% leakage can make a huge difference, if you look at the compounded value over years. By investing in Direct Mutual funds, you save this commission every year. If you compare an investment of Rs 1 lakh in a Direct Plan and a Regular Plan, your investments will be worth 35% more in just 20 yrs when you invest in Direct Plans.

Direct MF plans are better than regular plans because they generate higher returns, have higher NAV, have no risk of mis-selling and give you full control of your investment.