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Total invested
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Interest earned
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Maturity value
Assumes a fixed deposit made at the start of each financial year (by April 5, for full-month interest) and the interest rate staying constant for the full tenure — in reality the government reviews the rate quarterly, so actual maturity will vary. PPF has EEE tax status: contributions are deductible under Section 80C (up to ₹1.5 lakh), interest is tax-free, and the maturity amount is fully tax-free.