PPF Calculator

Calculate PPF maturity, interest earned & year-wise growth projections

PPF Calculator

Tax Free
%
Years

Investment Breakdown

PPF Growth Over Time

EEE Status

Tax-free investment, interest & maturity

Govt. Backed

Sovereign guarantee on investment

7.1% Interest

Higher than bank FDs, compounded yearly

80C Benefit

Deduction up to ₹1.5 lakh per year

About PPF Calculator

The Public Provident Fund (PPF) is one of India's most trusted long-term savings instruments, backed by the Government of India. With its attractive interest rate (currently 7.1% p.a.), complete tax exemption under EEE status, and sovereign guarantee, PPF is ideal for risk-averse investors looking for safe, tax-efficient wealth creation.

How to use this calculator: Enter your planned yearly investment (max ₹1.5 lakh), the current interest rate, and your investment period (minimum 15 years). The calculator shows your projected maturity amount, total investment, and interest earned with year-by-year growth.

Frequently Asked Questions

PPF is a government-backed, long-term savings scheme in India offering tax benefits under Section 80C. It has a lock-in period of 15 years with the option to extend in blocks of 5 years. The interest rate is set by the government quarterly and is currently around 7.1% p.a.
The minimum yearly investment is ₹500, and the maximum is ₹1.5 lakhs. Investments can be made in lump sum or up to 12 installments per year. The maximum limit is per person, not per account.
No, PPF enjoys EEE (Exempt-Exempt-Exempt) status. The contribution (up to ₹1.5 lakh) is deductible under 80C, the interest earned is tax-free, and the maturity amount is also completely tax-free.
Partial withdrawals are allowed from the 7th year onwards (up to 50% of the balance at the end of the 4th preceding year). For premature closure, you need to wait 5 years, and it's only allowed for specific purposes like medical emergencies, higher education, or change in residence.
Yes, loans can be taken from the 3rd to 6th financial year. The loan amount cannot exceed 25% of the balance at the end of the 2nd preceding year. The interest rate on the loan is 1% higher than the PPF interest rate.
After 15 years, you can either withdraw the entire amount or extend the account in blocks of 5 years. Extension can be with or without further contributions. If extended without contributions, the existing balance continues to earn interest.
PPF accounts can be opened at post offices or designated banks like SBI, PNB, ICICI, HDFC, etc. One person can have only one PPF account (excluding minor accounts). Opening multiple accounts is illegal and may lead to penalties.
PPF offers higher interest rates than most FDs, complete tax-free returns (EEE status), and sovereign guarantee. However, FDs offer more liquidity and shorter tenures. PPF is ideal for long-term retirement savings, while FDs suit short-term goals.