Advanced PPF Calculator

Calculate your Public Provident Fund returns with comprehensive analysis, tax benefits, and detailed projections for your 15-year investment journey

Public Provident Fund Calculator

Calculate your PPF returns with tax benefits and 15-year maturity analysis

Investment Parameters

Minimum ₹500, Maximum ₹1,50,000 per year. Higher investment = better returns.
Min: ₹500, Max: ₹1,50,000
Current PPF rate is 7.1%. Rate is reviewed quarterly by government.
Current rate: 7.1%
Monthly investments can give slightly better returns due to compounding.
Used for retirement planning and extension calculations.
For retirement planning

Advanced Options

Your income tax bracket for calculating tax savings.
Expected inflation rate for calculating real returns.
For real returns calculation
PPF can be extended in blocks of 5 years after maturity

Understanding Public Provident Fund (PPF)

What is PPF?

Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India. It offers attractive interest rates with complete tax exemption under EEE (Exempt-Exempt-Exempt) status.

Key Features
  • 15-year mandatory lock-in period
  • Tax deduction under Section 80C
  • Tax-free interest and maturity amount
  • Loan facility after 3rd year
  • Partial withdrawal after 7th year
How PPF Interest is Calculated

PPF interest is calculated on the minimum balance between 5th and last day of each month. Interest is compounded annually and credited at year-end.

Investment Strategy
  • Invest before 5th of each month for better returns
  • Maximum investment of ₹1.5 lakh per year
  • Can be extended in blocks of 5 years
  • Ideal for long-term wealth creation
  • Perfect for retirement planning

PPF Tax Benefits

₹46,800
Maximum Tax Savings
At 30% tax bracket with ₹1.5L investment
EEE
Tax Status
Exempt at Entry, Growth & Exit
₹1.5L
80C Deduction
Maximum annual deduction limit

Important PPF Rules & Limits

Investment Limits
  • Minimum: ₹500 per year
  • Maximum: ₹1,50,000 per year
  • Frequency: Minimum 1 deposit per year
  • Account: Only one PPF account per person
Withdrawal Rules
  • Partial: After 7th year (max 50% of balance)
  • Loan: After 3rd year (max 25% of balance)
  • Premature: After 5th year (with penalty)
  • Full: After 15 years completion
Interest Rate History
  • 2024: 7.1% per annum
  • 2023: 7.1% per annum
  • 2022: 7.1% per annum
  • 2021: 7.1% per annum
Important Dates
  • Best Investment Date: Before 5th of month
  • Interest Credit: 31st March every year
  • Rate Review: Every quarter
  • Maturity: After 15 years from opening
Important Note

PPF is a government-backed scheme with no risk to principal. Interest rates are subject to quarterly review by the government. The calculations provided are for illustrative purposes based on current rates.

Related Calculators
SIP Calculator Fixed Deposit Calculator Recurring Deposit Calculator EMI Calculator
PPF Quick Facts
  • Government backed - 100% safe
  • Triple tax exemption (EEE)
  • 15-year lock-in period
  • Loan facility available
  • Can be extended indefinitely
  • Ideal for retirement planning
PPF Investment Tips
  • Invest before 5th of every month
  • Maximize ₹1.5L annual limit
  • Start early for better compounding
  • Consider monthly investments
  • Plan for 15-year commitment