Public Provident Fund (PPF) Account - Benefits, Calculator, Interest Rate, Rules

[@chandrakantpashine2204]

आप बहुत ही सरल और अच्छी तरह से अपनी बात समझाते हैं ,धन्यवाद ।

[@AssetYogi]

Thanks.

[@amitraja7611]

You explains it so clearly. Keep up good work. I have a question tough. I have opted for VPF and can I skip payment for any month. What are the consequences. And in case i leave my job permanently after 3 years. What after that. Can I withdraw that after 5 years or I will have to withdraw that time only? And also if I am withdrawing after 5 years will I be earning interest over the last 2 years when I was not working and not contributing to VPF account.? Please guide me through this. Thanks in advance.

[@manidev1567]

PPF एकाउंट को लेकर बीते कुछ दिनों से विचार बना रहा था, आपके इस क्लास में मेरे सभी सबाल का जबाब दे दिया। धन्यवाद..सभी जागरूक साथीयो के सच्चे 'शुभ चिंतक'💐

[@musheert3678]

Thank you Asset Yogi for providing us with clear information and guidance on all your videos. Your knowledge helps every viewer build his/her financial wellbeing.

[@RameshKumar-st1eh]

Sbi Nakodar not given credit for the amount deposited in Hpo Jalandhar during previous year for purpose of Interest.

[@kapilyadav4885]

One of the best video I've come across on this topic of PPF. Well structured and well explained.

[@AssetYogi]

Thanks for appreciation Kapil :)

[@dheerajtiwari3301]

Is video me apne bataya ki minor ke sath bhi kewal 1.50 lack ka investment kr skte hai but Maine ek video dekhi jisme minor 1.50 aur khud ka bhi 1.50 lack par financial year dal skte jabki minor 2 bhi ho skte ! Kya yeh sach ya ap jo keh rhe hai vo sach hai ?

[@mithuroy906]

@@AssetYogi , Monthly deposit or lump sum deposit which is more profitable investment in the PPF??

[@raunvk]

@@mithuroy906 of course monthly deposit

[@sukumarchauhan]

Aap ki video dekh ke maine 2.6 sal pehle ppf main investment shutu kiys sal ka ek bar main hi 1.5 lakh sal ka jama kar leta hoon. Thank you for guidance

[@ManasR]

Thank you very much! Very nicely explained. Most people talk about benefits but skip limitations. And I prefer to hear limitations first. Thank you for covering the limitations to help people make informed decisions! Kudos to you for all the analysis efforts to bring this content. If possible, Please share similar content on different types of Debt Funds and Index Funds.

[@antonmursid3505]

Antonmursid🙏🙏🙏

[@sakibulsk366]

@@antonmursid3505 ও।। টক

[@nitaighosal2389]

Óoó

[@riyazansari3497]

11

[@infenlutawsik6413]

Kuch limitations toh bataya hi nahi

[@mukteshsaxena4605]

🙏 आप के समझाने का तरीका बहुत ही शानदार है। मैं यह जानना चाहता हूँ कि PPf में महीने का जमा करना चाहिए या साल का, कौन सा investment ज्यादा लाभ देता है।

[@AssetYogi]

Dhanyawaad Muktesh :)

[@abhiverma2453]

Annual

[@pinkpanther9742]

Very very helpful video!! Just open my account today, got confidence by watching your video!! 😊 Thanks Asset Yogi!

[@abhijeetmangaraj]

Wonderfully explained sir. Please make a video on "Should we withdraw money from EPF to buy or make our dream home? Please sir 🙏

[@virtuosowins]

Bro, Personal Experience, Please do not do that if you can help it.

[@moneymatters8529]

Very well said sir.however for salaried class, I think EPF is better, which gives 8.65% of returns and one increased the amount by opting VPF . Whereas ppf gives only 7.6% return currently. #RKMMGuru

[@rohanshinde4327]

Elss is much better.

[@vijaykhanna875]

Very helpful information. I think from now onwards I will no need to go anywhere else to get these kind of details.

[@AssetYogi]

Glad it was helpful!

[@arunsaxena634]

You have explained each and every minute detail

[@PavanKumar-kd9es]

Best video than other youtube videos about ppf account. Thanks a lot, Sir.

[@AssetYogi]

I hope this will be helpful Pavan :)

[@shastriyadav2813]

Sir में आप की सभी वीडियो. देखता हूं और बेहद पसंद आती है l आप का तरीका सबसे बेस्ट है...🙏🙏🙏

[@AssetYogi]

Keep watching and learning Shastri

[@atulgupta9990]

Dear Sir, Please share notification of interest calculation on PPF on Monthly basis compounding. As you have explained in this video. As per my understanding. Thanks

[@rajendrasethiya3861]

बहुत ही बेहतर तरीके से समझाया,बहुत बहुत धन्यवाद, बहुत पसंद आया

[@AssetYogi]

Thanks Rajendra

[@dm-mo3kk]

I can't do without comments Great sir.. Thank you very much. For this type of videos..

[@pappukumar-vw4zo]

Risk cover ke bare me

[@Dhrubajyotiabc]

Very Informative video, thank you for all the information. I have two questions. 1. Is it beneficial to open an ppf a/c at the age of 55. Does the lock in period still remain the same as 15 years ? 2. What happens in case of death of the PPF Ac holder ? Thanks again for such an informative video, it gave me a very clear idea to make a decision.

[@bolynews6767]

For point no.2: In the event of the death of the PPF account holder, the balance amount in the PPF account will be paid even before the completion of 15 years, to the nominee or legal heir of the deceased person. The nominee or the legal heir is not allowed to continue the PPF account by making fresh contributions to it.

[@karishmarao550]

Apse jada sir or koi clearly nhi bta skta mind me ques ane se pele hi ap bta dete ho thnks sir😊

[@AssetYogi]

Thanks 😊

[@anujasub]

This is much needed info for me,but I don't understand hindi. PLS MAKE SUCH VIDEOS IN ENGLISH

[@junaidakram2724]

Bahut Best tarike se samjhaya apne

[@AssetYogi]

Thanks Junaid

[@DilipKumar-tv7j]

super explation in all videos. What is the difference between long and short in stock market ? please explain in one video. thank you

[@zaranadesai4632]

This is the best video on PPF accounts! It solved the doubts I didn't even know I had.

[@AssetYogi]

Keep learning Zarana

[@preetikumar5967]

Thanku so much sir. It's a very useful n important information for all. Plz tell me kya post office me ppf account open krane k liye raashan card Hona jaruri h...?? Plz reply as soon as possible. Thanku

[@manmeetverma8250]

Video on how to use EXCEL in finance?? Thank you

[@Userdggdvv2]

Thank you so much for detailed video... Very informative video..Many people suggested me to open PPF due to many queries i neglected but know I will open one PPF account for sure.. thanks

[@AssetYogi]

Thanks Patil

[@saibadaring6287]

Sir how to withdraw after maturity. N how check my balance every year

[@shivamsrivastava6630]

Wonderful info Mr Mukul..Thanks One Query, as u mentioned it's beneficial to invest from 01- 05 April of financial year. If We invest 1.5 lakh on suppose 02 April and Another case I do monthly payement of 12k i.e yearly 1.44Lakh... Then which option will give me more return on my PPF ?

[@adityasamota4889]

First case that is lumpsum amount as the interest which you will get over the year will be on 1.5L whereas investing 12k every month will give you interest on 12k, 24k, 36k month over month which is less in comparison to the former.

[@HardeepKaur-dh1fi]

Very nicely you explain sir.. thanks..I want to also open the ppf account.. before it I watch yours video

[@AssetYogi]

Keep learning Hardeep

[@AmarYadav-un5ws]

Sir aap se ek request hai aap ek vedio banaeyen 2000/ monthly deposit per, with calculate. Dhanyawad

[@Naushad-sp8sj]

PPF calculator m check krlo

[@sufyaan743]

Download financial calculator then check

[@ankitjain9090]

You will get 6,52, 000 after 15 year on depositing 2000 monthly for 15 years

[@surajbhadvalakar3690]

Dear mukul sir please make video on PPF as per new regulations from 2020...

[@abhishekagrawal9950]

Inflation adjusted returns will be low..mukul..please add a column in your excel of inflation adjusted return(real rate of return)..this will give you a clear view of your actual earnings after inflation effect..

[@vijayamalayakingfisherwale2596]

Bhai fd se 2% jyada hi rehta hai ppg mein

[@psjoshi999]

Malik sahab, 😊aap ki upload karne ki speed Khargosh ki hai aur hamari dekhne ki speed kachuye ki hai, 😊

[@shrivatsa1]

I always see his videos in 1.5x

[@ManojKumar-dp7tq]

Toh hazar baar dekh lo sir.

[@AssetYogi]

😊

[@psjoshi999]

मै यह कहाना चाहता हू की, मलिक जी व्हीडिओ अपलोड करते है, परंतु हमे उस व्हीडिओ देखणे के लिये 2-4 दिन निकाल जाते है, समय के अभाव मे😊

[@greatindia1943]

Pankaj you should apologize for your statement.

[@DinSeeTalk]

“दोस्तों जिंदगी में देर से बनो, लेकिन जरूर कुछ बनों, क्योंकि लोग समय के साथ ख़ैरियत नहीं हैसियत पूछते हैं।”

[@maTa-3025]

Wah nahi, ek dam sahi baat kahi hai aapne....

[@iammuhammadsaquib]

Yas bro

[@technicalgujarati7410]

Aap bohot simple tarike se explain karte ho sir thanks

[@akshaysinghal9218]

Wonderfully explained sir...Thank you so much!

[@AssetYogi]

Keep supporting Akshay :)

[@02sidd]

Hi sir, appreciate your work as always, Is it a good idea to invest in PPF to met 15-20 year goals and to complete 1.5lac limit ? I am 29 yrs investing in elss 50k and (epf+vpf) 50k anually.

[@jaylalge383]

Durse bahot videos dekhe for ppf no one has this much information

[@moneyskool4420]

Awesome bhai sab. You explained very clearly. Keep doing the good job.

[@AssetYogi]

Thank you 😊 MoneySkool

[@dr.uddhaogawande934]

Thanks a lot. Excellent communication. I request you to guide me regarding transfer of my ppf account which is in SBI, Surendra nagar branch Nagpur . Now I am staying in native village in Amravati District after my retirement from state government service. It was opened some 30 years back. This year I could not deposit on line money, error displayed as account matured on March 2019. Can I continue the same ppf account? In case it is closed can I open new ppf account at my age of 65 years?

[@shankarbajad9682]

Adv search repaport k bare main batay

[@rakeshverma6809]

Sir your explantion and presention skills are certainly very wonderful.

[@Prasanta_Ku_Digal]

Thanks for your informative Video Sir. I didn't understand one line here sir. You said if you are investing more than 1,5Lakhs then you won't get interest. But again you mentioned that each month 10K for 15 years which will cost 18 Lakhs. Didn't understand here Sir

[@harshmohanbadola]

ALREADY INVESTING RS 1.50 LAKH IN PPF SINCE LAST 3 YEARS. THE COMBINATION OF PPF+ MUTUAL FUNDS ARE BETTER OPTIONS FOR YOUR RETIREMENT PURPOSE......

[@marathisongs7893]

Pls make video on investment in share markets

[@MrUjjalghosh]

No not good option. Invest in elss, ulip, midcap fund and of course term insurance.

[@harshmohanbadola]

@@MrUjjalghosh BROTHER DON'T INVEST YOUR FULL MONEY IN MUTUAL FUNDS OTHERWISE YOU WILL BE AT RISK AND I THINK YOU DON'T KNOW ABOUT UTI SCAM OF 90S.....

[@DaaruKaDoctor]

@@MrUjjalghosh ulip is very bad product... They have nagative return

[@MrUjjalghosh]

@@DaaruKaDoctor so what is good product?

[@sayanghosh9934]

Will the maturity amount be same if I deposit Rs. 12500 on monthly basis or if I deposit Rs. 1.5 lacs at one go on a yearly basis? Will there be any difference in the maturity amount between these two cases or will it be the same?

[@mohitranka9840]

There will be difference in earned interest and hence the maturity amount. For eg. If you put in 1,50,000 at the beginning of the year, for each month you are invested for 1,50,000, where as with monthly investment it's 12,500 in month 1, 25000 in month 2, ... 1,50,000 in 12th month. You will earn most by putting 1,50,000 in lumpsum at the beginning of the financial year.

[@Arshar]

Bahut Dhanyawad Sir, bahut achi tarah samjhaya..

[@SoumyaGanguly1234]

It's very good informative channel related to financial matter ...

[@AssetYogi]

Thanks for appreciation Soumya :)

[@Sriswa261982]

Thank you sir for the detailed information on PPF

[@vandanapatil7227]

Sir aapke liye thank you word chota ho jayega very very great job

[@AssetYogi]

Thanks for appreciation 😊

[@rajkamakshi2118]

Dear sir, This was a very informative video. Further, I wanted to know whether we can increase the contribution year on year. i.e if I started to deposit Rs. 10 k pm for first year and 14k in 2nd year and so on.... Or the Amy should be fixed for entire tenure. Pl clarify.

[@nootanstudies1120]

every year upto 1.5 lacs can be invested as per your wish any amount any time.

[@sumansatan1669]

Minimum investment 500

[@DeepakThakur-qz4rv]

Thanks sir Now I'm cleared about the PPF.

[@shyamk9117]

Sir aap bahot achhse se smjhaya thnku..

[@tushargoyal5285]

Thanks for this video i learned so much about finance from your videos

[@AssetYogi]

Glad to hear that 😊

[@aayushjain27]

Great Video Mukul! Really appreciate your efforts to impart financial education to masses who can't research from English articles online. If possible, do make a video on investment options to save tax along with their pros and cons. Best Wishes!

[@AssetYogi]

Thank you for appreciation & support Ayush and I've noted your suggestion 😊

[@loveyjhinger]

Sir should i investment monthly or Rs 150000 lumpsum before 5 Apr. Which will be best

[@shivaniparihar8372]

​@@loveyjhinger150000 lumsum

[@nitishchaurasia4564]

It is really nicely explained. I have one question: For each installment there is 15yrs of lock in period (like in tax saving MF) or this is account lock in period, for example, lets say I am opening a PPF account today after 15yrs I can withdraw all amount at the same time? Plz answer this.

[@AssetYogi]

It means that you cannot withdraw funds from your PPF account before the completion of 15 years from the end date of the financial year in which you made your first deposit in your PPF account. Let’s assume that you made your first deposit in a PPF account on 26th July 2019. In such a case, the lock-in period of 15 years will be calculated from the date of the end of the financial year 2019-20, i.e. 31st March 2020. Hence, your account will mature on 1st April 2035 and you will not be able to withdraw any amount before that.

[@ssmallikarjun1]

Subscribed bcz quick and easy Explain ...Thank You Sir

[@AssetYogi]

Keep learning 😊

[@NidhiSingh-xk7dn]

Thank you so much sir for your helpful guideline....GBU 😊😊

[@AssetYogi]

Thanks 😊

[@RajuSingh-cz3gh]

Best date konsi hoti hai debit ke liye

[@mohandasshetty1782]

Thank you very much for illustrative & clear explanations.....

[@AssetYogi]

Thanks Mohandas.

[@rakeshaanjne6776]

Excellent info. Everything is covered in it. All my questions answered. Thanks alot

[@MandhanAcademy]

Thank you so much!

[@justusjaziel2340]

InstaBlaster

[@mohanchaudhary6531]

Sir as you explain that no income tax on interest so that I want to know that we should have to pay tax on savings amount for example I deposit 2250000 for 15 year and interest on the said amount is 18,18,209/- than I have to pay tax on 22,50,000/-

[@deepaksahanibhakti]

Sr kya 3 log milker ppf account khol sakte h ?? Mere planning k hisaab se hum 3 bhai ppf account khole to kya ye sambhow h ??

[@opgamesyt5013]

Sir aap apna nmber do na plzz

[@gajendrasahu409]

You always give full information about any topic. Thanks sir ji

[@AssetYogi]

Always welcome

[@vasunimkar7825]

Aapane bahut acchi tarike se samjha bahut sahi Laga video

[@AssetYogi]

Dhanyawad 😊

[@Abinash91]

I have started PPF recently. Prospects seem good. Edit : I want to start saving in ELSS. Also, elss is same as mutual funds? What are its risks and return percentage? Can someone answer please?

[@deepakkevat11]

पीपीएफ अकाउंट समझाने के लिए थैंक यू भाई

[@AssetYogi]

Keep learning

[@sanjoyreang6625]

Excellent explanation sir.Thanks a lot for sharing your knowledge with us.

[@AssetYogi]

I hope this will be useful Sanjoy :)

[@sanitjaitpal2436]

What is zero interest loan or EMI ?? PLS reply and make video.

[@vikasbagade1482]

I am very thankful to you sir.. for valuable information provided to us

[@AssetYogi]

It's my pleasure

[@thakorbhaimarwadi3507]

My Age 30 ppf evri years one lakh five years ten years k baad evri month kitna pension milega

[@priyeshchamudia5230]

Sir as an investor (23) which investments one should start with during early stage like elss Vs ppf Vs national pension scheme. It will help beginner investors to take better investment

[@Paradox-999]

PPF

[@sonusingh-909]

Bahut hi acche se samajh me aaya , thankyou sir .

[@AssetYogi]

Most welcome Sonu.

[@RahulSingh-iz5hu]

Hello Sir, thanks for sharing detailed information about PPF, I have a small doubt if PPF account holder dies, will this account be active or will it be deactivated? And will the nominee gets the benefits or not ?

[@AssetYogi]

Nominee will get the benefits.

[@ASHWINEEDHAKDE]

Will that ppf account continued or not?

[@sandeepprajapati202]

@@ASHWINEEDHAKDE wl

[@kuntaldutta8396]

Sir, bank me jo tax saving fd sceme hota hai usme kis financial year me 80c par deduction moilta hai?

[@90gargnitin]

Fd ko jis year me start kiya h, usi financial year me milega 80c

[@kuntaldutta8396]

@@90gargnitin thank you sir

[@komalthakur4677]

thank you so much, you have made it very clear and short to understand

[@AssetYogi]

Thanks Komal.

[@mshjagtap]

Hi Sir. Thank you for this nice explanation and information. Really thank ful. I have few queries, Is it necessary to deposit every month or can I deposit 3 consecutive months e.g. 2000Rs per months and later I would like to deposit 20,000 Rs one shot on 4th month so in this case can i have to still deposit till 12th month ? Or is it mandatory to deposit said amount every year. Or its complete my choice for deposit the amount anytime and any amount in 500-150000 Rs. ? Please guide

[@rabiraul623]

Same Question came to my mind

[@krishangahlawat]

Thank you, very good explained all the aspects.

[@AssetYogi]

Thanks

[@subhashsharma5159]

Your speaking skill is nice....u explain clearly......but if u r easy then summerize all in last also....🙏

[@ankitsoin5185]

I have opened ppf account in march 2020. Want to know while filing ITR do i have to mention this savings in this year or in next year(2021) ? Please le me know.. Thanks yogi sir

[@ankitsoin5185]

??

[@suryaraj6081]

Very well explained..... Thank you for the video

[@ravir6266]

Your teaching Is very very is useful thank you sir

[@AssetYogi]

You're most welcome

[@PriyankA-dg9ds]

Thank you for such valuable information ,it really helped me 👍

[@AssetYogi]

Most welcome 😊

[@Rish0716]

Thanks for the video✌️.. Monthly agar me invest kr Raha hoo certain amount..so kya ko amount fix utna he rehna chayee kya??..Means kya me vo monthly amount change kr ke daal sakta Hoon?..

[@dhoritreedutta910]

0¹

[@shuttlerrpr6804]

@@dhoritreedutta910 chal pagli

[@bajrang1297]

Yes absolutely

[@anilchand3559]

nice knowldege.. provided to public.. hatsoff ..😎😎😎😎😎

[@AssetYogi]

Thanks Anil

[@Beautellectual.Rashmi-05]

I'm your new subscriber sir🙂 this video is really amazing and informative 😊

[@AssetYogi]

Thanks, keep learning :)

[@nitinpandey656]

Mukul Ji thank you for a wonderful video... I have a question to ask ? My age is 33 years and I am salaried person ... I am currently investing into mutual funds through SIPs... around 30k PM ... I am looking for a horizon of nearly 20-25 years .. my question is should still open an PPF account and invest in it as a back up.. because after watching your video I am a bit inclined . Kindly advise. Warm regards, Nitin

[@shivajidhongade5652]

मेरा हर महिने का हप्ता 2000 है तो मुझे 15 साल बाद कितने मिलेंगे ? बताई plz

[@hardeepsingh4721]

Kitna return mila sir mutual fund me aapko 30k invest krne par har month ???

[@SurajMunda-rd2023]

Bohot Achhe se Smjhya sir g Thankyou so much Sir

[@Dilip_Shyam]

PPF intetest is annually compounding, not monthly compounding.

[@pkumar7391]

Yes, aap sahi keh rhe hai

[@Bundelkhanddharohar]

Monthly calculate hota hai

[@sandip_5182]

Annually credit hoti h pr monthly compounding hoti h

[@77shreyas]

well explained video on PPF been searching for this info. thank you

[@nikhilgarg3735]

Thanks Mukul sir ....Very Informative.......Doing Good For Society.......

[@AssetYogi]

Thanks Nikhil

[@supremekaler5886]

Finance knowledgeable..as always 🔥

[@AssetYogi]

Thank you for appreciation 😊

[@fantapreneur]

There is a confusion. The PPF compounds monthly or annually? As most of the website says it is annually.

[@deveshkarki1464]

Aap bhahut achha batate ho

[@AssetYogi]

Dhanyawad 😊

[@kishanpatel-uz8tm]

Sir ji yearly calculator dalo....main sall ke start main hi pura 1.5 lakh dall deta hu

[@panditmohitchoubey]

Ye sahi hai bhai you will get best returns

[@Somnath-je9nd]

yes u will get 40 lakhs at end of 15 yr

[@maheshwarikarindi8408]

Hi.. 1) How all quarterly interest calculation considered, as it says every quarter interest rate differs ? 2) Where is quarterly interest rates published?

[@DinSeeTalk]

Bank or post office website par

[@nootanstudies1120]

1.Rate is announced every quarter, but it is per annum rate, so interest is calculated for 3 months according to annually rate of interest which is announced. 2. Interest is announced every quarter.

[@bachanbhatt]

Thank you sir you are a very great person you gave a best speech about ppf

[@AssetYogi]

Thanks for appreciation 😊

[@amitgupta-tl3vo]

मेरा सुकन्या समृद्धि में एकाउंट है क्या में ppf एकाउंट खोलूँ या SSA में ही 150000 invest करूं

[@niteshsaini3208]

Ssa

[@drravinaikbalajiphysio3441]

Very nicely explained thank you and keep it up the good work

[@AssetYogi]

Thank you, I will

[@robindutta9949]

Bahut hi a66e tarike se samjhaya aapne

[@backpacker-abhineet]

Explained in a very good way 🙂

[@AssetYogi]

Thank you 😊

[@Jaggudadaacts]

kzbin.info/www/bejne/a6qZo5etapdjkJY Watch this also

[@sangitapatil9243]

Thanks for your information

[@krishnakantgautam1320]

You explain very nicely Pl clear one doubt Minor account deposit 150000 Parent account deposit 150000 Income-tax benefit(80c) taken from parent account only is it possible As minor account is used only for investment purpose Pl clarify

[@ashishjain2345]

can you make any detail video on Sukanya Samruddha yojna

[@AssetYogi]

Yes. Will do that.

[@YusufKhan-zt5xl]

Please do it Early as possible