PPF Kya Hai? Poori Jaankari Aur Calculator

PPF yaani Public Provident Fund, Bharat sarkar ki ek bahut lokpriya aur surakshit (safe) bachat yojana hai. Isme aapka paisa poori tarah sarkar ki guarantee ke saath badhta hai, aur ismein milne wala byaj aur maturity dono tax-free hote hain. Jo log bina risk ke lambe samay ke liye paisa jamā karna chahte hain, unke liye PPF ek behtareen vikalp hai. Neeche free PPF calculator bhi hai.

PPF ki khaas baatein

• Lock-in: 15 saal (baad me 5-5 saal aur badhа sakte hain).
• Byaj: Sarkar har 3 mahine (quarter) me tay karti hai — aam taur par FD se thoda zyada.
• Jamā: Ek saal me kam se kam ₹500, zyada se zyada ₹1.5 lakh.
• Tax: Jamā, byaj aur maturity — teeno tax-free (EEE category).
• Surakshit: Sarkari guarantee, isliye risk lagbhag zero.

PPF me compounding ka fayda

PPF me byaj har saal judta hai aur agle saal us bade amount par phir byaj milta hai. 15 saal ka lamba samay compounding ko poora mauka deta hai. Isliye jitni jaldi shuru karenge, maturity par utna bada fund banega.

PPF Calculator kaise use karein?

1. Har saal jamā karne wali rakam daalein.
2. Abhi ki byaj dar daalein (sarkar ki current dar — badalti rehti hai).
3. Saal daalein (15 ya zyada).
4. Result me maturity, total jamā aur byaj dikhega.

Dhyan dein

PPF ki byaj dar har quarter badal sakti hai, isliye calculator me current dar daalein. Ye lambe samay ka product hai — beech me poora paisa nikalna mushkil hota (kuch shart par partial withdrawal 7ve saal se milta hai).

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