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PPF Calulator

Updated on July 10, 2019 , 160 views

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.

PPF Calculator

Principal:
Tenure:
Months
Rate of Interest (ROI):
%

Investment Amount:₹100,000

Interest Earned:₹139,127.17

Maturity Amount: ₹239,127.17

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Benefits of PPF

  1. The risk factor in PPF investment is low as it is backed by the government.
  2. A PPF account can be opened at nationalised banks, public banks, post offices and selective private banks, all of which have a wide reach.
  3. 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.
  4. 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?

Do you have any questions about tax or finance you need help with?

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.

1. SBI Small Cap Fund

(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 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% .

Below is the key information for SBI Small Cap Fund

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.

DateValue
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

SBI Small Cap Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹505,644.
Net Profit of ₹205,644
Invest Now

Returns for SBI Small Cap Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jul 19

DurationReturns
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
YearReturns
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
NameSinceTenure
R. Srinivasan16 Nov 135.45 Yr.

Data below for SBI Small Cap Fund as on 30 Apr 19

Equity Sector Allocation
SectorValue
Industrials21.28%
Consumer Cyclical20.88%
Basic Materials19.25%
Financial Services12.43%
Consumer Defensive6.2%
Technology4.56%
Utility2.29%
Health Care2.27%
Real Estate1.03%
Asset Allocation
Asset ClassValue
Cash9.5%
Equity90.5%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
Treps
CBLO/Reverse Repo | -
8%₹182 Cr
JK Cement Ltd (Basic Materials)
Equity, Since 31 Oct 18 | JKCEMENT
5%₹112 Cr1,077,439
Techno Electric & Engineering Co Ltd (Industrials)
Equity, Since 31 Dec 18 | 542141
4%₹78 Cr3,134,750
Relaxo Footwears Ltd (Consumer Cyclical)
Equity, Since 30 Nov 13 | 530517
3%₹76 Cr900,000
HDFC Bank Ltd (Financial Services)
Equity, Since 30 Nov 18 | HDFCBANK
3%₹75 Cr310,000
Sheela Foam Ltd (Consumer Cyclical)
Equity, Since 31 Mar 19 | 540203
3%₹75 Cr600,000
NIIT Ltd (Technology)
Equity, Since 30 Apr 19 | 500304
3%₹74 Cr7,000,000
Carborundum Universal Ltd (Basic Materials)
Equity, Since 31 May 19 | 513375
3%₹69 Cr1,826,845
↑ 1,826,845
Kewal Kiran Clothing Ltd (Consumer Cyclical)
Equity, Since 30 Jun 18 | 532732
3%₹68 Cr525,470
Indian Energy Exchange Ltd (Financial Services)
Equity, Since 31 Jan 19 | 540750
3%₹67 Cr4,300,000
↑ 1,222,442

2. Mirae Asset Emerging Bluechip Fund

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 CAGR/Annualized return of 20.3% since its launch.  Return for 2018 was -5.4% , 2017 was 49% and 2016 was 12.2% .

Below is the key information for Mirae Asset Emerging Bluechip Fund

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 Not Rated
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.

DateValue
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

Mirae Asset Emerging Bluechip Fund SIP Returns

   
My Monthly Investment:
Investment Tenure:
Years
Expected Annual Returns:
%
Total investment amount is ₹300,000
expected amount after 5 Years is ₹493,520.
Net Profit of ₹193,520
Invest Now

Returns for Mirae Asset Emerging Bluechip Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 12 Jul 19

DurationReturns
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
YearReturns
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
NameSinceTenure
Neelesh Surana9 Jul 108.57 Yr.
Ankit Jain31 Jan 190 Yr.

Data below for Mirae Asset Emerging Bluechip Fund as on 30 Apr 19

Equity Sector Allocation
SectorValue
Financial Services33.17%
Consumer Cyclical14.74%
Health Care10.76%
Basic Materials9.68%
Industrials8.3%
Technology8.03%
Consumer Defensive6.56%
Energy4.98%
Utility3.13%
Asset Allocation
Asset ClassValue
Cash0.67%
Equity99.33%
Top Securities Holdings / Portfolio
NameHoldingValueQuantity
HDFC Bank Ltd (Financial Services)
Equity, Since 31 Dec 17 | HDFCBANK
6%₹456 Cr1,880,870
↑ 8,500
ICICI Bank Ltd (Financial Services)
Equity, Since 29 Feb 12 | ICICIBANK
6%₹445 Cr10,510,939
↑ 380,000
Axis Bank Ltd (Financial Services)
Equity, Since 31 Jul 18 | 532215
4%₹312 Cr3,860,692
↓ -125,000
Tata Global Beverages Ltd (Consumer Defensive)
Equity, Since 29 Feb 16 | 500800
3%₹244 Cr10,012,207
↓ -275,000
Bharat Financial Inclusion Ltd (Financial Services)
Equity, Since 30 Sep 16 | BHARATFIN
3%₹238 Cr2,382,673
↑ 490,000
Reliance Industries Ltd (Energy)
Equity, Since 30 Apr 18 | RELIANCE
3%₹231 Cr1,738,513
Tata Steel Ltd (Basic Materials)
Equity, Since 31 Dec 15 | TATASTEEL
3%₹224 Cr4,592,613
↑ 1,135,000
State Bank of India (Financial Services)
Equity, Since 30 Apr 18 | SBIN
3%₹219 Cr6,222,648
Voltas Ltd (Industrials)
Equity, Since 31 Dec 14 | VOLTAS
3%₹217 Cr3,739,873
↑ 368,000
Infosys Ltd (Technology)
Equity, Since 31 Jan 18 | INFY
3%₹215 Cr2,911,705
↑ 300,000

Disclaimer:
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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