PPF Calculator

PPF sarkar ki sabse bharosemand bachat yojana hai — 15 saal ka lock-in, tay byaj, aur maturity par poora paisa tax-free. Ye calculator batata hai ki har saal jitna aap daalenge, 15 saal baad kitna banega.

PPF khaas kyun hai

PPF ka sabse bada fayda hai iska EEE darja — jitna daalein wo 80C me chhoot, jo byaj mile wo tax-free, aur maturity par milne wali poori rakam bhi tax-free. Bahut kam yojanaon me teeno stage par chhoot milti hai.

Ek chhota trick — 5 tarikh

PPF ka byaj har mahine ki 5 tarikh se aakhir tak ke sabse kam balance par lagta hai. Iska matlab agar aap 5 tarikh ke baad paisa daalte hain, to us mahine ka byaj us rakam par nahi milega. Isliye har mahine 5 tarikh se pehle jama karein. Saal bhar ka ek saath daalna ho to 1-5 April ke beech daal dein — poore saal ka byaj mil jaayega.

15 saal ke baad kya

Maturity par aapke paas teen raaste hote hain: poora paisa nikal lein, ya account 5-5 saal ke liye aage badha dein (naya paisa daalte hue), ya bina naya paisa daale hi byaj lete rahein. Bahut se log 15 saal poore hone par band kar dete hain — jabki tab tak compounding sabse tez chal rahi hoti hai. Aage badhana aksar zyada faydemand hota hai.

Loan aur nikasi

• 3-6 saal: jama rakam par loan mil sakta hai
• 7 saal ke baad: ek tay hisse ki aanshik nikasi allowed
• Beech me band: khaas halaton (jaise gambhir bimari, padhai) me hi, kuch shartein ke saath

Byaj dar har quarter badalti hai, isliye lambe samay ka anuman ek andaza hi hota hai. Taaza dar apne bank ya post office se confirm karein.

Teen asli misaal — number ke saath

Misaal 1 — poori limit. Har saal ₹1,50,000 jama, 15 saal, 7.1% dar. Aap kul ₹22.5 lakh lagayenge aur maturity par lagbhag ₹40.6 lakh milenge — poora tax-free. Yaani kareeb ₹18 lakh sirf byaj, aur uspar ek rupaya tax nahi.

Misaal 2 — chhoti rakam. Har saal ₹50,000, 15 saal, 7.1%. Kul ₹7.5 lakh lagega, maturity lagbhag ₹13.5 lakh. Chhoti rakam se bhi lambe samay me acha corpus banta hai.

Misaal 3 — 5 saal badhane ka asar. Wahi ₹1.5 lakh saalana, par 15 ki jagah 20 saal. Maturity ₹40.6 lakh se badh kar lagbhag ₹66 lakh ho jaati hai. Sirf 5 saal aur — aur 25 lakh zyada. Yahi wajah hai ki 15 saal par account band karna bada nuksan hai.

Log yahan galti kya karte hain

1. Mahine ki 5 tarikh ke baad paisa daalna. PPF ka byaj 5 tarikh se mahine ke aakhir tak ke sabse kam balance par lagta hai. 6 tarikh ko daala paisa us mahine ka byaj kamata hi nahi.
2. 31 March ko saal bhar ka paisa daalna. 1-5 April ke beech daalne se poore saal ka byaj milta hai. 31 March ko daalne se lagbhag ek saal ka byaj haath se nikal jaata hai.
3. 15 saal par account band kar dena. Tab tak compounding sabse tez chal rahi hoti hai. Paise ki turant zaroorat na ho to 5 saal aur badha dena aam taur par bahut faydemand rehta hai.
4. Do account khulwa lena. Ek vyakti ka sirf ek PPF account ho sakta hai. Doosra pakda jaane par band kar diya jaata hai aur uspar byaj nahi milta.
5. Saal me ₹500 na daalna. Account inactive ho jaata hai. Phir penalty dekar chalu karwana padta hai.

Bharat me PPF ki khaas baatein

• EEE darja: jo daala uspar chhoot (Old Regime me 80C), jo byaj mila wo tax-free, aur maturity par poora paisa tax-free. Bahut kam vikalpon ko ye darja mila hai.
• Kurki se suraksha: PPF ki rakam par court ki kurki nahi lagti — ye ek badi suraksha hai jo kam log jaante hain.
• Loan aur nikasi: saal 3 se 6 ke beech jama rakam ke ek hisse par kam byaj par loan mil sakta hai. Saal 7 ke baad ek tay hissa nikala ja sakta hai.
• Bachche ke naam: naabalig ke naam account khul sakta hai, par maa-baap aur bachche ki kul jama seema milakar hi gini jaati hai.
• Dar sarkar tay karti hai: har teen mahine (quarter) me. Ye badalti rehti hai, isliye calculator ka number ek anuman hai.

PPF ke saath ye tools bhi dekh lein

• EPF Calculator — naukri wale ka retirement fund
• FD Calculator — tulna karne ke liye
• Compound Interest Calculator
• PPF Guide aur NPS Guide

Aksar pooche jaane wale sawaal