Table of Contents
PPF Calulator
What is PPF?
Public Provident Fund (PPF), introduced in India in 1968 with the objective to mobilize small savings in the form of an investment, coupled with a return on it. It still remains a favourite savings avenue for many investors as the returns are tax free.It can also be called a savings-cum-tax savings investment vehicle that enables one to build a retirement corpus while saving on annual taxes. Therefore, anyone looking for a safe investment option to save taxes and earn guaranteed returns should open a PPF account.
Investment Amount:₹100,000 Interest Earned:₹139,127.17 Maturity Amount: ₹239,127.17PPF Calculator
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Benefits of PPF
- The risk factor in PPF investment is low as it is backed by the government.
- A PPF account can be opened at nationalised banks, public banks, post offices and selective private banks, all of which have a wide reach.
- Although the lock in period is 15 years for a PPF, there are provisions to either withdraw some money or take loans after 7 years. The returns from a PPF is more attractive compared to the bank FDs.
- PPF deposits fall under EEE (exempt-exempt-exempt) category. Which means, the principal invested, the interest earned and the proceeds received at maturity are all tax exempt. Amounts deposited in spouse’s or child’s PPF account are also tax exempt.
How is PPF interest calculated?
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The interest on PPF is compounded annually. The formula for this is: F = P[({(1+i)^n}-1)/i] Here, F = Maturity proceeds of the PPF P = Annual installments n = Number of years i = Rate of interest/100
Alternative Investment Options
Section 80-C provides PPF with EEE benefit (Exempt, Exempt, Exempt). This means that an investment up to Rs. 1.5 lakhs annually, the returns you earn and the corpus when the fund matures are all exempted from taxation. Now what can compare to this? Your answer is ELSS. Though ELSS has the lowest lock-in period, you can opt for this as a long-term investment (< 5 years). The longer you invest, more tax you will save not to mention earn Inflation-beating returns.
Top Funds for 2019
*Best funds based on 5 year performance.
(Erstwhile SBI Small & Midcap Fund) The Scheme seeks to generate income and long term capital appreciation by
investing in a diversified portfolio of predominantly in equity and equity related securities of small & midcap Companies SBI Small Cap Fund is a Equity - Small Cap fund was launched on 9 Sep 09. It is a fund with Moderately High risk and has given a Below is the key information for SBI Small Cap Fund Returns up to 1 year are on The investment objective of the scheme is to generate income and capital appreciation from a portfolio primarily investing in Indian equities and equity related securities of large cap and mid cap companies at the time of investment. From time to time, the fund manager may also seek participation in other Indian equity and equity related securities to achieve optimal Portfolio construction. The Scheme does not guarantee or assure any returns. Mirae Asset Emerging Bluechip Fund is a Equity - Large & Mid Cap fund was launched on 9 Jul 10. It is a fund with Moderately High risk and has given a Below is the key information for Mirae Asset Emerging Bluechip Fund Returns up to 1 year are on 1. SBI Small Cap Fund
CAGR/Annualized return of 17.8% since its launch. Ranked 4 in Small Cap category. Return for 2018 was -19.6% , 2017 was 78.7% and 2016 was 1.3% . SBI Small Cap Fund
Growth Launch Date 9 Sep 09 NAV (18 Oct 19) ₹52.2694 ↑ 1.01 (1.97 %) Net Assets (Cr) ₹2,413 on 31 Aug 19 Category Equity - Small Cap AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.64 Sharpe Ratio -0.94 Information Ratio 1.3 Alpha Ratio 7.5 Min Investment 5,000 Min SIP Investment 500 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 14 ₹10,000 30 Sep 15 ₹12,969 30 Sep 16 ₹15,473 30 Sep 17 ₹20,583 30 Sep 18 ₹20,873 30 Sep 19 ₹21,721 Returns for SBI Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Oct 19 Duration Returns 1 Month 6% 3 Month 4% 6 Month 0.5% 1 Year 7.1% 3 Year 10.8% 5 Year 17.8% 10 Year 15 Year Since launch 17.8% Historical performance (Yearly) on absolute basis
Year Returns 2018 -19.6% 2017 78.7% 2016 1.3% 2015 20.6% 2014 110.7% 2013 7.8% 2012 31.9% 2011 -24.3% 2010 19% 2009 Fund Manager information for SBI Small Cap Fund
Name Since Tenure R. Srinivasan 16 Nov 13 5.45 Yr. Data below for SBI Small Cap Fund as on 31 Aug 19
Equity Sector Allocation
Sector Value Consumer Cyclical 20.74% Industrials 19.23% Basic Materials 17.63% Financial Services 9.35% Consumer Defensive 9.05% Technology 4.16% Utility 2.2% Health Care 1.46% Real Estate 1.07% Asset Allocation
Asset Class Value Cash 14.47% Equity 85.53% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -13% ₹319 Cr JK Cement Ltd (Basic Materials)
Equity, Since 31 Oct 18 | JKCEMENT5% ₹111 Cr 1,077,439 Hawkins Cookers Ltd (Consumer Cyclical)
Equity, Since 30 Jun 15 | 5084864% ₹101 Cr 352,000 Dixon Technologies (India) Ltd (Technology)
Equity, Since 31 Aug 18 | 5406994% ₹100 Cr 377,000
↑ 1,000 Relaxo Footwears Ltd (Consumer Cyclical)
Equity, Since 30 Nov 13 | 5305173% ₹83 Cr 1,800,000 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Dec 18 | 5421413% ₹79 Cr 3,134,750 Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 31 Mar 19 | 5402033% ₹75 Cr 600,000 Emami Ltd (Consumer Defensive)
Equity, Since 30 Sep 18 | 5311623% ₹74 Cr 2,500,000 Kirloskar Oil Engines Ltd (Industrials)
Equity, Since 28 Feb 17 | KIRLOSENG3% ₹69 Cr 4,150,838 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | HDFCBANK3% ₹69 Cr 310,000 2. Mirae Asset Emerging Bluechip Fund
CAGR/Annualized return of 19.9% since its launch. Return for 2018 was -5.4% , 2017 was 49% and 2016 was 12.2% . Mirae Asset Emerging Bluechip Fund
Growth Launch Date 9 Jul 10 NAV (18 Oct 19) ₹54.03 ↑ 0.69 (1.29 %) Net Assets (Cr) ₹7,759 on 31 Aug 19 Category Equity - Large & Mid Cap AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating Risk Moderately High Expense Ratio 2.26 Sharpe Ratio -0.3 Information Ratio 1.27 Alpha Ratio 9.3 Min Investment 5,000 Min SIP Investment 1,000 Exit Load 0-1 Years (1%),1 Years and above(NIL) Growth of 10,000 investment over the years.
Date Value 30 Sep 14 ₹10,000 30 Sep 15 ₹12,266 30 Sep 16 ₹15,111 30 Sep 17 ₹18,940 30 Sep 18 ₹19,271 30 Sep 19 ₹21,452 Returns for Mirae Asset Emerging Bluechip Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 18 Oct 19 Duration Returns 1 Month 5.7% 3 Month 1.9% 6 Month 0.8% 1 Year 14.6% 3 Year 11.4% 5 Year 17.3% 10 Year 15 Year Since launch 19.9% Historical performance (Yearly) on absolute basis
Year Returns 2018 -5.4% 2017 49% 2016 12.2% 2015 14.1% 2014 84.6% 2013 8.6% 2012 45.6% 2011 -15.2% 2010 2009 Fund Manager information for Mirae Asset Emerging Bluechip Fund
Name Since Tenure Neelesh Surana 9 Jul 10 9.15 Yr. Ankit Jain 31 Jan 19 0.58 Yr. Data below for Mirae Asset Emerging Bluechip Fund as on 31 Aug 19
Equity Sector Allocation
Sector Value Financial Services 32.11% Health Care 13.12% Consumer Cyclical 12.46% Basic Materials 9.57% Consumer Defensive 8.24% Technology 7.77% Industrials 7.34% Energy 5.09% Utility 3.93% Asset Allocation
Asset Class Value Cash 0.36% Equity 99.64% Other 0% Top Securities Holdings / Portfolio
Name Holding Value Quantity ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 12 | ICICIBANK6% ₹483 Cr 11,800,939
↑ 720,000 HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 17 | HDFCBANK6% ₹468 Cr 2,098,870
↑ 153,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | 5322154% ₹294 Cr 4,429,016
↑ 318,324 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE3% ₹268 Cr 2,143,513 Voltas Ltd (Industrials)
Equity, Since 31 Dec 14 | VOLTAS3% ₹257 Cr 4,014,785 State Bank of India (Financial Services)
Equity, Since 30 Apr 18 | SBIN3% ₹247 Cr 9,037,029
↑ 2,059,381 IndusInd Bank Ltd (Financial Services)
Equity, Since 30 Jun 15 | INDUSINDBK3% ₹246 Cr 1,761,487
↑ 67,500 Tata Global Beverages Ltd (Consumer Defensive)
Equity, Since 29 Feb 16 | 5008003% ₹207 Cr 7,430,829
↓ -1,240,978 Vinati Organics Ltd (Basic Materials)
Equity, Since 30 Sep 12 | 5242002% ₹192 Cr 903,621 Larsen & Toubro Ltd (Industrials)
Equity, Since 31 Mar 19 | LT2% ₹183 Cr 1,380,582
↑ 228,997
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.
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