₹1.5 Lakh PPF Interest Calculation for 15 Years | PPF में सबसे ज़्यादा RETURNS कैसे मिलेगा?

Описание: PPF Maximum Interest Calculation | PPF में सबसे ज़्यादा INTEREST कैसे मिलेगा?
In this video by Fincalc TV we will see how to maximize PPF returns or PPF interest in hindi. PPF full form is public provident fund and by depositing maximum amount of Rs. 1.5 lakh on or before 5th April, you can maximize PPF interest. We will also see how interest is calculated in PPF when interest rate changes quarterly.
Many queries will be solved such as ppf calculator for 15 years, ppf account benefits, ppf account kya hai, ppf interest rate, etc.

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WHAT IS PPF?
PPF full form is Public Provident Fund, which is a government backed Saving Scheme. Many Indians invest in PPF and treat it as a retirement fund since it has a lock-in period of 15 years. Also it helps in saving income tax while claiming deductions under Section 80C (maximum deduction up to Rs. 1.5 Lacs in a financial year)

Features of PPF
PPF or Public Provident Fund is a savings scheme offered by the Government of India.
PPF has a lock-in period of 15 years
Minimum deposit amount in a FY to keep your PPF account active is Rs. 500
Maximum deposit amount for which you can earn interest in PPF account is Rs. 1,50,000
The interest on the account is paid by the government of India and is set every quarter, It is also tax-free.
PPF interest is calculated every month and is compounded annually
The applicable PPF interest rate for Jan 2022 to Mar 2022, has been fixed at 7.1% annually.
PPF or Public Provident Fund falls under EEE category (Exempt, Exempt, Exempt), which means, the Deposits, Interest and Maturity Amounts are all exempted from Income Tax
Partial withdrawals are allowed in PPF account
Loan facility is also available in PPF account

HOW TO MAXIMIZE PPF INTEREST?
When you deposit Rs. 1.5 Lacs before 5th April, you get maximum interest in PPF for that financial year

IS PPF AVAILABLE FOR 5 YEARS?
When you open a PPF account, there is a mandatory lock in period of 15 years, so you have to continue PPF account for 15 years. In case you want to deposit only for 5 years, than you should look for some other tax saving instruments like 5 year Fixed Deposits or ELSS (Equity Linked Saving Scheme)

After 15 years in PPF, you have the option to either close the account and take entire tax free maturity amount in your savings account, or to extend your PPF account for next 5 years, with or without deposits.

Extending PPF with a block of 5 years is one of the best solutions to earn more compounding interest in case you are not in a need of money for next 5 years.

#PPF #PPFInterest #PPFCalculator #fincalc

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Examples and demo used are for Illustration purpose only and might not cover every detail of examples shown.
I Am Not A SEBI Registered Adviser. All The Information Provided By Me Are For Educational/Informational Purposes Only. We Do Not Take Any Responsibility For The Accuracy Of The Data But As It May Contain Typographic Or Other Errors And Inaccuracies And We Expressly Disclaim Liability For Any Errors On The YouTube Channel (FinCalC TV). Please consult your Financial Advisor before taking any decision or action in terms of your Finances.