HDFC Bank PPF Calculator

HDFC Bank is one of the largest private sector banks in India that offers a variety of schemes and plans along with hassle-free ways of investing in them for all their customers. PPF or Public Provident Fund, introduced by the Central Government of India is one such fixed-income investment plan provided by HDFC Bank. The calculation of returns can be calculated with the help of the HDFC PPF Calculator designed for PPF return calculations.

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Disclaimer: ^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

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HDFC Bank PPF Calculator

Monthly
Yearly

Monthly Investment

₹500 ₹12.5K

Enter Monthly Investment

PPF Rate of Interest (Yearly)

Rate of Interest (Yearly)

Time Period

15 Years 50 Years

Enter Time Period

Total Investment

Interest Earned

Maturity Amount

What is PPF and How Does the PPF Work?

The Public Provident Fund (PPF) is a long-term savings and investment instrument in India, introduced by the National Savings Institute of the Ministry of Finance in 1968. The primary purpose of the PPF is to help individuals make small savings over a long period, providing them with a lump sum at retirement or for any other long-term financial goal. It is particularly popular due to its safety, returns, and tax benefits.

Contributions to the PPF account are eligible for tax deductions under Section 80C of the Indian Income Tax Act, and the interest earned is also tax-free. This makes the PPF an attractive tax-saving investment.

HDFC PPF Calculator

PPF Calculator HDFC is an online financial tool that helps you calculate your PPF returns easily without any complicated calculations. The returns are calculated considering the fixed contributions made by the investor for a pre-defined period of time in the HDFC PPF scheme. It is important to note that the PPF account comes with a tenure of 15 years and cannot be closed before the lock-in period. However, partial withdrawals can be made after the 7th year of the PPF scheme.

HDFC PPF Calculator Formula

How to Use Policybazaar’s HDFC PPF Calculator?

To use Policybazaar's PPF Calculator HDFC, follow these simple steps:

Input the monthly investment amount you plan to contribute.
The calculator should already have the PPF interest rate filled in.
Mention the investment period for your PPF account.
Upon entering these details, the calculator will display the total investment, the interest accumulated to date, and the total sum you will obtain at the end of the maturity period.

You can also explore other investment plans available on Policybazaar to find options that offer good returns.

Benefits of HDFC PPF Calculator

Some of the advantages of using a PPF Calculator HDFC are:

Hassle-free results in comparison to manual calculations.
Accurate results with minimum basic details.
Guides how much investment should be made to achieve a desirable maturity amount.

HDFC PPF Interest Rate

Navigating your financial future requires smart investment decisions. HDFC PPF, or the Public Provident Fund, offers an attractive interest rate of 7.1% per annum, making it a sound choice for long-term savings. This tax-exempt investment scheme comes with a flexible lock-in period of 15 years, allowing you to plan for your future while enjoying the benefits of compounding. With a minimum deposit of just Rs. 500 and a maximum cap of Rs. 1,50,000 per financial year.

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FAQ's

How much will I get after 15 years in PPF?

The amount you will get after 15 years in PPF will depend on your annual contributions and the prevailing interest rate. However, as an example, if you invest Rs. 1,50,000 annually at an interest rate of 7.1%, you will get approximately Rs. 40,68,210 after 15 years.
What is PPF rate for HDFC?

The PPF rate is the same for all banks and institutions, including HDFC. The current PPF rate is 7.1% per annum.
Is HDFC safe for PPF?

Yes, HDFC is a safe and secure institution for investing in PPF. HDFC is a leading private sector bank in India and is regulated by the Reserve Bank of India (RBI).
How is the PPF interest rate calculated?

Ans: The Government of India revises the PPF interest rates every quarter. It is important to know that the PPF interest is calculated monthly but compounded and credited to the account of the investor annually, that us, 31st March.
How to make monthly PPF payments?

Ans: Just like SIPs, PPF installments can also be made either monthly or in the lump sum method. In the monthly payment method, a fixed amount is deposited every month for a fixed tenure.
Can I withdraw PPF before 5 years?

Ans: No. Partial withdrawals can be made only after the 7th year of the Public Provident Fund that is subject to certain conditions.
What are the minimum and maximum limits of investment in the PPF account?

Ans: The minimum amount an investor needs to add annually in their PPF account is Rs. 500 whereas the maximum amount that can be invested in a year is Rs. 1,50,000.
What is the HDFC PPF account tenure?

Ans: In general, the PPF account comes with a 15-year tenure. However, it can be extended in a series of 5 years after the 15-year maturity period.

†Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. The sorting is based on past 10 years’ fund performance (Fund Data Source: Value Research). For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
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