Langzeitsparplanrechner — Zinseszins über Jahrzehnte
Simuliert staatlich geförderte oder langfristige Spar- und Pensionspläne mit festen jährlichen Einzahlungen.
Formelherleitung & mathematische Grundlagen
Vorschüssige Rentenbarwert-Berechnung für jährliche Vorsorgebeiträge über lange Horizonte.
Variablendefinitionen & Maßeinheiten
Full ₹1,50,000 Yearly Contribution for 15 Years at 7.1%
Exempt-Exempt-Exempt (EEE) Tax Status
PPF enjoys the coveted EEE tax status in India: deposits qualify for Section 80C tax deduction (Exempt), interest earned is completely tax-free under Section 10(11) (Exempt), and the full maturity proceeds are tax-free on withdrawal (Exempt).
To maximize interest, always deposit funds before the 5th of every month (ideally before April 5th for lump-sum deposits) so the deposit earns interest for the entire month.
Häufig gestellte Fragen zu Pensions- und Langzeitsparplanrechner
What is the maximum amount I can deposit in PPF per year?
The maximum statutory limit is ₹1,50,000 per financial year across all PPF accounts held by an individual (including accounts opened on behalf of minor children).
Can I extend my PPF account after 15 years?
Yes. PPF accounts can be extended indefinitely in blocks of 5 years, either with fresh contributions (earning both tax deduction and interest) or without contributions (earning interest on existing balance).
When can I take a loan or partial withdrawal from PPF?
Loans are available from the 3rd to 6th financial year (up to 25% of balance). Partial withdrawals are permitted from the 7th financial year onwards (up to 50% of 4th preceding year's balance).
Can a PPF account be attached by a court decree for debt recovery?
No. Under Section 15 of the PPF Act, PPF balances cannot be attached by any court decree or order in respect of any debt or liability incurred by the account holder.
Ähnliche Online-Rechner
Häufig zusammen mit Pensions- und Langzeitsparplanrechner verwendet.
Festgeldrechner
Berechnet die fest garantierten Zinserträge und das Endkapital bei termingebundener Festgeldanlage.
Sparplanrechner (Fonds & ETF)
Simuliert den langfristigen Vermögensaufbau durch regelmäßige monatliche Sparraten mit Cost-Average-Effekt.
Renten- und Pensionsrechner
Prognostiziert das Rentenkapital und die daraus resultierende monatliche lebenslange Rente.