PPF vs FD रिटर्न कैलकुलेटर — Which Is Better?
PPF at 7.1% (कर-free) beats an FD at 7% (करable). On ₹1.5 लाख/year for 15 वर्ष, PPF gives ₹40.68 लाख कर-free, while an equivalent FD gives ~₹38.3 लाख pre-कर — and the FD interest is करable at your slab rate.
Total Invested
₹22,50,000
Interest Earned
₹18,18,209
Maturity Value
₹40,68,209
PPF interest is compounded annually. Current rate: 7.1% p.a. (Q1 FY 2025-26). Minimum lock-in: 15 years. Interest is fully tax-exempt under Section 10(11).
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Calculated with CalcCrack