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Interest, PPF, NPS, loan eligibility and rent versus buy. Enter your own rates; examples are only examples.
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Works offlineAlso works as a lumpsum investment calculator. Enter your own rate; the 8% is only an example.
Assumes the deposit is made at the start of each year and interest is added yearly. The PPF rate is set by the government every quarter; 7.1% is only an example, so check the current rate and the yearly deposit limit before you rely on this.
Illustration only. Returns are assumptions, not promises. The minimum annuity share and withdrawal rules are set by PFRDA and have changed over time, so check the current rules.
Banks use their own rules. The 50% share is only an example; ask your bank for its limit. This is an estimate, not an approval.
Simple model: same monthly outlay in both cases, the renter invests the difference. It ignores tax, maintenance, stamp duty and fees. Use it to compare, not to decide.
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These are estimates. Interest rates, PPF and NPS rules and bank eligibility limits change, so the numbers shown are examples. Always enter the current rate from your bank, India Post or PFRDA before you rely on a result.
Frequently asked questions
Why are the rates pre-filled?
They are only examples so the calculator shows something useful. They are not current official rates.
Is this financial advice?
No. It is a calculator for estimates. Speak to a qualified adviser before big decisions.
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Page reviewed 25 October 2026.