PPF Calculator

Calculate the maturity value of your Public Provident Fund (PPF) investment. Plan your long-term tax-free savings with our comprehensive PPF calculator.

PPF Investment Details

Annual Investment ₹1,50,000
₹
₹500 ₹50,000 ₹1,00,000 ₹1,25,000 ₹1,50,000
Enter annual investment or use slider (₹500 to ₹1,50,000)
PPF Interest Rate 7.1%
%
1% 5% 7.1% 10% 15%
Enter current PPF interest rate or use slider (1% to 15%)
Investment Period 15 years
years
1 year 5 years 10 years 15 years 50 years
Enter investment period or use slider (1 to 50 years)
Maturity Value
₹40,68,209
Total Investment
₹22,50,000
₹18,18,209
Total Interest Earned
₹1,50,000
Annual Investment

Year-wise Growth

Year Annual Investment Interest Earned Closing Balance

About PPF Calculator

The Public Provident Fund (PPF) is a popular long-term savings scheme in India, offering attractive interest rates and tax benefits under Section 80C. This PPF calculator helps you estimate the maturity value of your PPF investment.

How PPF Calculator Works

  • The calculator uses the compound interest formula specific to PPF calculations.
  • Interest is compounded annually but calculated on monthly balances.
  • The minimum investment period is 15 years, with an option to extend in blocks of 5 years.
  • You can adjust the annual investment, interest rate, and investment period to see different scenarios.

PPF Key Features

  • Tax Benefits: Investments up to ₹1.5 lakh qualify for deduction under Section 80C
  • Tax-Free Returns: Both interest earned and maturity amount are tax-free
  • Safety: Backed by the Government of India (sovereign guarantee)
  • Liquidity: Partial withdrawals allowed from 7th year onwards
  • Loan Facility: Can avail loan against PPF from 3rd to 6th year
  • Flexible Contributions: Minimum ₹500 to maximum ₹1.5 lakh per year
Note: This calculator provides an estimate based on the inputs provided. Actual returns may vary if the interest rate changes during the investment period. PPF interest rates are set by the government and reviewed quarterly.

What is PPF?

PPF (Public Provident Fund) is a long-term savings scheme backed by the Government of India, offering attractive interest rates and tax benefits under Section 80C of the Income Tax Act.

What is the minimum and maximum investment in PPF?

Minimum investment is ₹500 per year, and maximum investment is ₹1.5 lakh per year. You can invest in lump sum or in up to 12 installments.

What is the current PPF interest rate?

The current PPF interest rate is 7.1% per annum (as of 2023). However, rates are reviewed quarterly by the government and may change.

Can I withdraw money from PPF before maturity?

Partial withdrawals are allowed from the 7th financial year onwards. Complete withdrawal is allowed only at maturity (15 years).

PPF Calculator – Public Provident Fund Returns & Maturity Calculator

Our free PPF Calculator (Public Provident Fund Calculator) helps you estimate the maturity amount and returns on your PPF account. PPF remains one of India's safest and most tax-efficient long-term investment options, backed by the Government of India and offering guaranteed returns with EEE (Exempt-Exempt-Exempt) tax status.

What is PPF (Public Provident Fund)?

The Public Provident Fund (PPF) is a government-backed, long-term savings scheme introduced in 1968 with a lock-in period of 15 years. It is available to Indian residents through post offices and authorized banks. The current PPF interest rate is 7.1% per annum, compounded annually. The minimum investment is ₹500 per year and the maximum is ₹1.5 lakh per year.

PPF Tax Benefits – The EEE Advantage

PPF enjoys the coveted EEE tax status — Exempt at investment, Exempt on interest earned, and Exempt at maturity. This means: Your annual contributions up to ₹1.5 lakh are deductible under Section 80C. The interest earned each year is completely tax-free. The final maturity amount is fully exempt from income tax. This triple tax exemption makes PPF one of the most tax-efficient investments available to Indian residents.

PPF Extension and Partial Withdrawal Rules

After 15 years, you can extend your PPF account in blocks of 5 years — either with or without fresh contributions. Partial withdrawals are allowed from the 7th year onwards (up to 50% of balance at the end of 4th year or previous year, whichever is lower). Premature closure is allowed only under specific circumstances like medical emergencies or higher education, subject to a 1% interest rate reduction penalty.

How to Maximize Your PPF Returns

Invest the maximum ₹1.5 lakh at the beginning of the financial year (April 1–5) to earn interest for the full year. PPF interest is calculated on the minimum balance between the 5th and last day of each month — so deposits made before the 5th earn interest for that month. Continue extending your PPF account beyond 15 years to maximize compounding benefits. Use the PPF corpus as a tax-free retirement supplement alongside your EPF and NPS.

Note: PPF interest rates are set by the Government of India and reviewed quarterly. Current rate (7.1%) is subject to change. This calculator uses the current applicable rate for estimation purposes.