PPF Calculator

Calculate your Public Provident Fund returns and plan your long-term tax-saving investments.

How to Use the PPF Calculator?

Enter your annual investment amount and tenure to calculate your PPF maturity amount and returns.

Annual Investment (₹) Minimum ₹500, Maximum ₹1,50,000 per year

Current PPF Balance (₹) Enter 0 if starting new PPF account

Investment Period (Years): 15

1 Year 50 Years

PPF has a 15-year lock-in period. You can extend for 5-year blocks.

Expected Interest Rate (%) Current PPF interest rate is 7.1% (as of 2024-25)

What is PPF?

Public Provident Fund (PPF) is a long-term investment scheme backed by the Government of India. Key features include:

15-year lock-in period with option to extend
Tax exemption under Section 80C (EEE status)
Tax-free interest and maturity proceeds
Loan facility after 3rd year
Partial withdrawal after 7th year

PPF Investment Rules

Minimum Investment: ₹500 per year
Maximum Investment: ₹1,50,000 per year
Interest Calculation: On minimum balance between 5th and last day of month
Interest Compounding: Annual compounding
Tax Benefits: Triple exemption (EEE) - investment, interest, and maturity

PPF Benefits

Guaranteed Returns: Government-backed scheme with assured returns
Tax Efficiency: No tax on investment, interest, or maturity
Loan Facility: Borrow up to 25% of balance after 3rd year
Partial Withdrawal: Withdraw up to 50% after 7th year
Extension Option: Extend for 5-year blocks after maturity