Why Our PPF Calculator is the Most Trusted Tool

📊 Current Interest Rate: Uses latest 7.1% PPF interest rate for Q1 FY 2025-26 as per government notification

💰 Triple Tax Benefits: Complete EEE status analysis - investment deduction, tax-free interest, tax-free maturity

📈 Year-wise Breakdown: Detailed annual growth projection showing compounding effect over 15-50 years

⚖️ Extension Planning: Calculate returns for 5-year extension blocks beyond mandatory 15 years

🔄 Real-time Updates: Always updated with latest PPF rules and government-notified interest rates

📱 Mobile Optimized: Responsive design for seamless calculation on all devices

PPF Investment Details

Yearly Investment Amount (₹)

₹500 ₹1,50,000

Maximum investment allowed: ₹1,50,000 per year under Section 80C

Investment Period (Years)

15 Years 50 Years

PPF has mandatory 15-year lock-in. You can extend in 5-year blocks thereafter

Expected Annual Interest Rate (%)

1% 15%

Current PPF interest rate: 7.1% per annum (Q1 FY 2025-26) - compounded annually

Your PPF Investment Results

PPF Maturity Amount

₹57,21,391

After 15 years of investment

Total Investment

₹22,50,000

Interest Earned

₹34,71,391

Return Multiple

2.5x

Tax Savings (80C)

₹6,75,000

PPF Investment & Returns Breakdown

Investment Summary

Component	Amount
Annual Investment	₹1,50,000
Investment Period	15 Years
Interest Rate (Current)	7.1% p.a.
Compounding Frequency	Annually
Total Investment	₹22,50,000

Returns & Tax Benefits

Particulars	Amount
Interest Earned	₹34,71,391
Maturity Value	₹57,21,391
Tax Savings (30% slab)	₹6,75,000
Effective Return Rate	154.3%
PPF Account Status	Tax-Free (EEE)

PPF Investment Tips

Invest before 5th of each month for maximum interest calculation
Complete yearly investment by March 31st to avoid account becoming inactive
Consider extending after 15 years for continued tax-free benefits
Open separate accounts for family members to maximize investment
PPF offers loan facility from 3rd to 6th year if needed
Partial withdrawal allowed from 7th year onwards for emergencies

Understanding PPF (Public Provident Fund) Investment

Public Provident Fund (PPF) is a highly sought-after long-term savings plan in India, which is tax-exempt and risk-free with returns. Supported by the government, it comes with a 15-year lock-in and pays compounded interest, making it an ideal choice for retirement planning and wealth creation.

PPF Maturity = P × [((1+r)^n - 1) / r] × (1+r)

Where: P = Annual investment, r = Interest rate, n = Number of years
Interest is calculated monthly but credited & compounded annually

Current PPF Rules & Features (2025)

Interest Rate: 7.1% per annum for Q1 FY 2025-26, reviewed quarterly by government
Minimum Investment: ₹500 per year (account becomes inactive if not maintained)
Maximum Investment: ₹1,50,000 per financial year under Section 80C
Lock-in Period: 15 years mandatory, extendable in 5-year blocks
Tax Benefits: Complete EEE status - investment deduction, tax-free interest, tax-free maturity
Interest Calculation: Monthly basis on lowest balance between 5th and last day of month

PPF Account Opening & Management

PPF accounts can be opened with Post Office or any nationalized bank like SBI, PNB, and even private banks like ICICI, HDFC, Axis Bank. The account opening process is simple and requires basic KYC documents.

PPF Loan & Withdrawal Facilities

Loan Facility: Available from 3rd to 6th year, up to 25% of account balance
Partial Withdrawal: Up to 50% of balance allowed from 7th year onwards
Premature Closure: Only allowed in exceptional circumstances with penalty
Maturity Withdrawal: Complete tax-free withdrawal after 15 years

PPF vs Other Investment Options

PPF vs EPF: PPF has higher investment limits and more flexibility in contributions
PPF vs FD: PPF offers better post-tax returns due to complete tax exemption
PPF vs ELSS: PPF provides guaranteed returns while ELSS has market risk
PPF vs NSC: PPF offers tax-free maturity while NSC maturity is taxable

PPF Calculator - Frequently Asked Questions

What is the current PPF interest rate for 2025? ▼

The current PPF interest rate is 7.1% per annum for Q1 of FY 2025-26. This rate is set by the Government of India and reviewed quarterly. PPF interest is calculated monthly but credited and compounded annually.

What is the maximum amount I can invest in PPF per year? ▼

The maximum investment limit in PPF is ₹1,50,000 per financial year. This amount qualifies for tax deduction under Section 80C. Any excess amount deposited will not earn interest and won't be eligible for tax benefits.

Can I withdraw money from PPF before 15 years? ▼

PPF has a mandatory 15-year lock-in period. However, you can take a loan of up to 25% from 3rd to 6th year, and partial withdrawal of up to 50% is allowed from the 7th year onwards. Complete withdrawal is only possible after 15 years.

Is PPF interest taxable in India? ▼

No, PPF enjoys complete tax exemption under EEE status. Investment qualifies for deduction under Section 80C, interest earned annually is tax-free, and the maturity amount is also completely tax-exempt.

How is PPF interest calculated monthly? ▼

PPF interest is calculated on the lowest balance in your account between the 5th and last day of each month. That's why it's beneficial to deposit money before the 5th of every month to earn interest for the full month.

Can I extend my PPF account after 15 years? ▼

Yes, you can extend your PPF account in blocks of 5 years after the initial 15-year period. You can choose to continue with or without making additional contributions during the extension period.

What happens if I don't invest minimum ₹500 in PPF? ▼

If you don't invest the minimum ₹500 per year, your PPF account becomes inactive. To reactivate it, you need to pay a penalty of ₹50 per year along with the minimum contribution for each default year.

Is PPF better than EPF for retirement planning? ▼

Both PPF and EPF are excellent for retirement planning. PPF offers higher contribution limits (₹1.5L vs EPF's 12% salary cap) and more flexibility. EPF provides employer contribution benefit. Ideally, maximize both for optimal retirement corpus.

Disclaimer: This PPF calculator provides approximate estimates based on current interest rates and government rules. Actual returns may vary based on changes in PPF interest rates, government policies, and investment patterns. Please consult your financial advisor or bank for precise calculations and investment planning.

PPF Calculator - Calculate Public Provident Fund Returns