PPF Calculation: Investing in PPF? Understand this new calculation; otherwise you could lose lakhs of rupees

Due to today's changing lifestyle, we spend at least 200 to 300 rupees every day. When we need money, we don't have enough money left. So, how will we get our salary at the end of the month? We don't know. In such times, people choose the savings option. For this, everyone finds the option of depositing money in the post office easier. However, some new changes have been made in this regard. These changes have started from the new financial month, i.e. April. If you have not done so, you may face some problems in the future.

Public Provident Fund

If you've invested in the government scheme PPF (Public Provident Fund) at the post office, the PPF scheme's interest rate will be 7.1% for the period April-June 2026. This is a long-term government scheme that offers the highest interest rate.

What are the new rules of PPF?

If you're looking to make a new investment to save money, this scheme offers interest throughout the year. Opening a PPF account before April 5th and investing ₹1.5 lakh in it will provide you with this benefit. A small investment at the beginning of the financial year can add up to a substantial sum in the future.

Understand PPF calculation in simple words

PPF interest is calculated on the minimum balance from the 5th of the month to the end of the month. This means that if you deposit money between April 1st and April 5th, you can earn interest for the entire month.

If you invest on April 6th, you won't receive interest that month and your earnings will be reduced by one month. Assuming you invest ₹1.5 lakh annually, investments made between April 1st and 5th will earn interest for the entire year. At 7.1%, this amounts to approximately ₹10,650.

If you invest after April 6th, you'll only receive 11 months' interest, which is approximately ₹9,763. This means that a one-day delay could result in a loss of ₹887. Similarly, over 15 years, if you invest between April 1st and 5th every year, your total investment of ₹22.5 lakh will grow to approximately ₹40.68 lakh.

If you delay investing every year, you'll only have an estimated ₹37.80 lakh left. This means a loss of approximately ₹3 lakh.

PC: SaamTV