🏛️ PPF Calculator

Calculate returns on your Public Provident Fund investment

PPF Investment Details

Maximum annual contribution: â‚ą1,50,000
Current government rate: 7.1% p.a. (Q3 FY 2024-25)
Minimum lock-in period is 15 years, extendable in blocks of 5 years

Maturity Value

â‚ą0
Total Corpus (Tax-Free)

Total Invested

â‚ą0

Interest Earned

â‚ą0

Invested Interest

About PPF

Public Provident Fund (PPF) is a popular long-term savings scheme backed by the Government of India. It offers guaranteed returns with complete tax benefits under EEE (Exempt-Exempt-Exempt) category— investment, interest, and maturity are all tax-free.

How to Use This Calculator:

  1. Enter your yearly investment amount (max â‚ą1,50,000)
  2. Input the current PPF interest rate (7.1% as of Q3 FY 2024-25)
  3. Select investment period (minimum 15 years, extendable in 5-year blocks)
  4. View your tax-free maturity corpus, total invested, and interest earned
  5. Use the progress bar to visualize investment vs. earnings breakdown

Key Features:

  • Tax Benefits: Investment qualifies for 80C deduction up to â‚ą1.5 lakh
  • Lock-in Period: 15 years (can be extended indefinitely in 5-year blocks)
  • Investment Limit: Minimum â‚ą500/year, Maximum â‚ą1,50,000/year
  • Interest: Compounded annually, credited at end of financial year
  • Partial Withdrawal: Allowed from 7th year (up to 50% of balance at end of 4th year)
  • Loan Facility: Available from 3rd to 6th year (max 25% of balance 2 years ago)
  • Tax-Free Returns: Interest and maturity amount completely tax-free (EEE status)
  • Account Transfer: Portable across India, can be transferred to any post office/bank

PPF Investment Strategy:

  • Maximize Deposits: Invest full â‚ą1.5L annually if possible—compounds to â‚ą40L+ in 15 years
  • Timing Matters: Deposit in first 5 days of month for full month's interest
  • Avoid Multiple Deposits: 1-2 large deposits per year better than 12 monthly (interest calculated monthly)
  • Best Deposit Strategy: Deposit before 5th April (full year's interest on that amount)
  • Extension Strategy: Extend in 5-year blocks for continued tax-free growth
  • Withdrawal Planning: After 15 years, can withdraw entire corpus or keep earning tax-free
  • Loan Advantage: Borrow at 2% above PPF rate from own account (3rd-6th year)

Who Should Invest in PPF:

  • Risk-Averse Investors: Guaranteed government-backed returns with zero risk
  • Long-term Savers: Planning for retirement, children's education (15+ years away)
  • Tax Savers: Maximizing 80C deduction with tax-free earnings
  • First-time Investors: Safe starting point for building investment discipline
  • Retirees: Extend account for stable tax-free income post-retirement
  • Salaried Employees: Complement EPF with additional long-term tax-free savings