PPF CALCULATOR
Can banks raise FD interest rates now as RBI increases repo rate by 25 bps?
RBI MPC October 2026: The Reserve Bank of India has increased the repo rate by 25 bps from 5.25% to 5.50%, signaling a shift. Following this decision, banks are expected to raise fixed deposit interest rates in the near future. Retail inflation has been rising, indicating that further hikes may be necessary to control it. The competition from small savings schemes and government securities contributes to this pressure on banks.
FD interest rate hike coming? With rising inflation, many experts expect RBI to hike interest rate
Many financial analysts expect the Reserve Bank of India to increase the repo rate by 25 basis points. This forecast is driven by persistent inflation, soaring crude oil prices, and a depreciating rupee. Should the RBI implement this hike, it could lead to higher fixed deposit returns for investors. Meanwhile, public sector banks continue to offer lower rates, struggling against fierce competition from government securities and small savings schemes.
Sukanya Samriddhi Account interest rate: Has government changed SSA rate from 8.2% for October-December 2026 quarter?
In a recent announcement, the Ministry of Finance reaffirmed the Sukanya Samriddhi Account interest rate at 8.2%. The next evaluation of small savings scheme rates is set for the December 2026 quarter. To initiate a Sukanya Samriddhi Account for a girl child, a minimum deposit of Rs 250 is required. The account matures after 21 years and permits partial withdrawals for education post age 18.
Has government increased SSY, PPF, NSC, other small savings schemes' interest rates for October-December 2026 quarter?
The Ministry of Finance has announced that the interest rates for small savings schemes will remain steady for the next quarter. This decision comes after two years of rate stability since December 2024. The review took into account inflation and bond yields, which hinted at possible rate increases. However, the government opted to keep things as they are, potentially revisiting the rates depending on future economic shifts and inflation trends.
Terrible at tracking finances and budgeting? CA shares a simple money system to stop Rs 10,000-Rs 20,000 from quietly disappearing every month
CA Nitin Kaushik says you don’t need to be naturally good at managing money if you have a simple system. He recommends tracking actual take-home income, dividing expenses into four categories, using 50/30/20 as a flexible starting point and assigning every rupee a purpose. He also advises setting specific financial goals, reviewing investments monthly and calculating net worth regularly to ensure money is moving towards your priorities.
Rs 1.68 crore investments, Rs 89,000 monthly MF SIP. Can this 40-year-old investor retire at 50?
A 40-year-old investor based in Pune is on a mission to retire by age 50 while providing for her two children’s education. With savings of Rs 1.68 cr from diverse investments, she plans to pay off her home loan by December 2026. Experts suggest she aim for a retirement fund between Rs 4-4.5 cr and adapt her investment strategy as her financial goals draw near.
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Rs 1.2 lakh/year vs Rs 10,000/month investment in PPF: Which option can help you make larger corpus in 15 years?
Investing a lump sum each year in a Public Provident Fund (PPF) results in a significantly higher corpus than making monthly contributions. Over a span of fifteen years, a yearly investment of Rs 1.2 lakh can grow to yield nearly Rs 99,000 more compared to the monthly deposit method. Plus, PPF provides tax advantages at three different stages, with the current interest rate standing at 7.1 percent per annum.
Rs 1.54 crore retirement corpus through PPF: How many years will it take if you invest Rs 1.5 lakh a year?
PPF calculator: Aspiring to build a substantial retirement fund? The Public Provident Fund (PPF) offers a compelling avenue for low-risk investors. By consistently investing the maximum annual limit of Rs 1.5 lakh, individuals starting at age 30 can amass an impressive by age 60.
Rs 1.54 crore retirement corpus from PPF investment: How starting PPF investment at 30 can help you build large fund
Investing Rs 1.5 lakh annually in a Public Provident Fund from age 30 can build a tax-free retirement corpus of Rs 1.54 crore by age 60. This popular government-backed scheme offers tax benefits and a 7.1% annual interest rate, compounded yearly, making it ideal for steady wealth creation without market risks.
How can you make Rs 1 crore retirement corpus from PPF investment?
The PPF maturity period is 15 years, after which, you can continue your PPF account with or without contributions. PPF provides a 7.1% interest rate, which is reviewed quarterly. But if we assume that the interest rate won’t change, your PPF investment can help you build a Rs 1.03 crore corpus in 25 years.
Public Provident Fund (PPF): Was interest rate changed for April-June 2025 quarter?
The Public Provident Fund (PPF) in India remains a popular long-term investment option with a 15-year lock-in period and EEE tax status. The government has kept the PPF interest rate unchanged at 7.1% for the April-June 2025 quarter. Contributions offer tax benefits and the interest earned is tax-free.
PPF deposit: You can earn this much extra tax free interest on PPF by depositing before April 5
PPF Deposit to earn extra tax-free interest: Currently, PPF investments yield an interest rate of 7.1% per annum. The interest earned is exempt from the tax. However, not many people know the PPF Deposit rule that makes them earn extra tax-free interest. Read on to learn how to use this rule to earn extra tax-free interest.
Latest PPF interest rate in 2025: What is the Public Provident Fund interest rate for January – March 2025?
PPF interest rate in 2025: One of the popular schemes under small savings schemes is Public Provident Fund (PPF) which is a long-term savings instrument that encourages customers to save while providing them tax benefits. The government has kept the small savings schemes interest rates unchanged.
Latest PPF interest rate: What is the Public Provident Fund interest rate for the October-December 2024 quarter?
Latest PPF interest rate: The government revises the interest rates of all small savings schemes every quarter. Some popular post office schemes are the Public Provident Fund, Senior Citizen Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Post Office Time Deposits (POTD), Mahila Samman Savings Certificate, and Post Office Monthly Income Scheme (POMIS).
Latest PPF (Public Provident Fund) interest rate for July- September 2024 quarter
Latest PPF interest rate: The Public Provident Fund (PPF) is widely favored as a savings option. The government has recently revealed the interest rates for small savings schemes for the period of July to September 2024. PPF investments are considered risk-free as it is government backed.
PPF, SCSS, Sukanya Samriddhi interest in July-September 2024: Will govt hike interest rates of PPF, small savings schemes for next quarter?
PPF, SCSS, Sukanya Samriddhi interest in July-September 2024: The government is likely to announce the interest rates of Public Provident Fund (PPF), Senior Citizen Savings Schemes (SCSS), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), Post Office Monthly Income Scheme (POMIS) and other small savings schemes for the July-September quarter 2024 by June 30, 2024. Will the government finally make PPF investors happy this time? Will Centre increase the interest rates of SCSS, NSC, Sukanya Samriddhi Yojana and other other small savings schemes for the July-September quarter 2024? Know what experts suggest
Not making PPF investment before April 5 can cost this much in interest
PPF deposit before April 5: Investing in PPF account before April 5 can earn the PPF account holder more interest. Making lumpsum investment for the entire year after this date will make a PPF investor to lose a month's interest. Read on to know how much you lose if an individual misses this date.
PPF account holders should deposit contribution by April 5: Here’s why
As per the Public Provident Fund (PPF) scheme rules, the interest on PPF is calculated at the end of balance between fifth and end of the month. Hence, by making a deposit in PPF account on or before fifth of month will help PPF account holder to earn more interest.
Was PPF interest rate hiked for the October-December 2022 quarter?
The Public Provident Fund (PPF) is part of the small saving schemes' bucket of investment products. According to a circular issued by the Finance Ministry on September 29, the interest rates of certain small saving schemes have not been changed for the October-December 2022 quarter.
How to merge multiple PPF accounts
The Department of Posts issued a circular on October 18, 2021, giving details of the process of merging multiple PPF accounts into one single PPF account. Here is a look at how one can merge multiple PPF accounts, as per the Department of Posts circular.
How to calculate interest on PPF balance
The interest rate on PPF scheme is revied by the government every quarter. However, as per the PPF rules, the interest is calculated on a monthly basis but it is credited into the account at the end of the financial year i.e. on March 31.
Interest on PPF, savings bank deposit to be included for calculating GST registration threshold: AAR
Under the Goods and Services Tax law, businesses and individuals are required to obtain GST registration if their aggregate turnover is Rs 20 lakh or more. AMRG & Associates Senior Partner Rajat Mohan said this ruling may lead to homemakers, retired persons and freelancers taking GST registration.
Investing in PPF? Here's why you should do it before 5th of the month
According to PPF Rules, the interest on PPF deposits is calculated on the minimum balance between the fifth and at the end of the month.
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