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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
âš–ī¸ 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

₹500 ₹1,50,000
Maximum investment allowed: ₹1,50,000 per year under Section 80C
15 Years 50 Years
PPF has mandatory 15-year lock-in. You can extend in 5-year blocks thereafter
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)

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

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.

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.

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.

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.

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.

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.

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.

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.