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 17.9% 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 (12 Jul 19) ₹50.506 ↑ 0.17 (0.33 %) Net Assets (Cr) ₹1,992 on 30 Apr 19 Category Equity - Small Cap AMC SBI Funds Management Private Limited Rating ☆☆☆☆☆ Risk Moderately High Expense Ratio 2.64 Sharpe Ratio -0.74 Information Ratio 0.73 Alpha Ratio 4.86 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 Jun 14 ₹10,000 30 Jun 15 ₹15,322 30 Jun 16 ₹17,088 30 Jun 17 ₹22,223 30 Jun 18 ₹25,646 30 Jun 19 ₹25,878 Returns for SBI Small Cap Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jul 19 Duration Returns 1 Month -2.6% 3 Month -3.2% 6 Month 1.5% 1 Year -2.4% 3 Year 13.6% 5 Year 20.8% 10 Year 15 Year Since launch 17.9% 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 30 Apr 19
Equity Sector Allocation
Sector Value Industrials 21.28% Consumer Cyclical 20.88% Basic Materials 19.25% Financial Services 12.43% Consumer Defensive 6.2% Technology 4.56% Utility 2.29% Health Care 2.27% Real Estate 1.03% Asset Allocation
Asset Class Value Cash 9.5% Equity 90.5% Top Securities Holdings / Portfolio
Name Holding Value Quantity Treps
CBLO/Reverse Repo | -8% ₹182 Cr JK Cement Ltd (Basic Materials)
Equity, Since 31 Oct 18 | JKCEMENT5% ₹112 Cr 1,077,439 Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Dec 18 | 5421414% ₹78 Cr 3,134,750 Relaxo Footwears Ltd (Consumer Cyclical)
Equity, Since 30 Nov 13 | 5305173% ₹76 Cr 900,000 HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | HDFCBANK3% ₹75 Cr 310,000 Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 31 Mar 19 | 5402033% ₹75 Cr 600,000 NIIT Ltd (Technology)
Equity, Since 30 Apr 19 | 5003043% ₹74 Cr 7,000,000 Carborundum Universal Ltd (Basic Materials)
Equity, Since 31 May 19 | 5133753% ₹69 Cr 1,826,845
↑ 1,826,845 Kewal Kiran Clothing Ltd (Consumer Cyclical)
Equity, Since 30 Jun 18 | 5327323% ₹68 Cr 525,470 Indian Energy Exchange Ltd (Financial Services)
Equity, Since 31 Jan 19 | 5407503% ₹67 Cr 4,300,000
↑ 1,222,442 2. Mirae Asset Emerging Bluechip Fund
CAGR/Annualized return of 20.3% 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 (12 Jul 19) ₹52.862 ↑ 0.01 (0.02 %) Net Assets (Cr) ₹7,271 on 30 Apr 19 Category Equity - Large & Mid Cap AMC Mirae Asset Global Inv (India) Pvt. Ltd Rating Risk Moderately High Expense Ratio 2.26 Sharpe Ratio 0.16 Information Ratio 1.3 Alpha Ratio 6.04 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 Jun 14 ₹10,000 30 Jun 15 ₹13,778 30 Jun 16 ₹15,527 30 Jun 17 ₹20,943 30 Jun 18 ₹21,987 30 Jun 19 ₹24,956 Returns for Mirae Asset Emerging Bluechip Fund
absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jul 19 Duration Returns 1 Month -2.9% 3 Month -0.9% 6 Month 5.9% 1 Year 8.8% 3 Year 15.6% 5 Year 20% 10 Year 15 Year Since launch 20.3% 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 8.57 Yr. Ankit Jain 31 Jan 19 0 Yr. Data below for Mirae Asset Emerging Bluechip Fund as on 30 Apr 19
Equity Sector Allocation
Sector Value Financial Services 33.17% Consumer Cyclical 14.74% Health Care 10.76% Basic Materials 9.68% Industrials 8.3% Technology 8.03% Consumer Defensive 6.56% Energy 4.98% Utility 3.13% Asset Allocation
Asset Class Value Cash 0.67% Equity 99.33% Top Securities Holdings / Portfolio
Name Holding Value Quantity HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 17 | HDFCBANK6% ₹456 Cr 1,880,870
↑ 8,500 ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 12 | ICICIBANK6% ₹445 Cr 10,510,939
↑ 380,000 Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | 5322154% ₹312 Cr 3,860,692
↓ -125,000 Tata Global Beverages Ltd (Consumer Defensive)
Equity, Since 29 Feb 16 | 5008003% ₹244 Cr 10,012,207
↓ -275,000 Bharat Financial Inclusion Ltd (Financial Services)
Equity, Since 30 Sep 16 | BHARATFIN3% ₹238 Cr 2,382,673
↑ 490,000 Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE3% ₹231 Cr 1,738,513 Tata Steel Ltd (Basic Materials)
Equity, Since 31 Dec 15 | TATASTEEL3% ₹224 Cr 4,592,613
↑ 1,135,000 State Bank of India (Financial Services)
Equity, Since 30 Apr 18 | SBIN3% ₹219 Cr 6,222,648 Voltas Ltd (Industrials)
Equity, Since 31 Dec 14 | VOLTAS3% ₹217 Cr 3,739,873
↑ 368,000 Infosys Ltd (Technology)
Equity, Since 31 Jan 18 | INFY3% ₹215 Cr 2,911,705
↑ 300,000
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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