PPF Calculator
Calculate Public Provident Fund maturity value with 7.1% interest rate. 15-year lock-in with 80C tax benefits up to ₹1.5L.
PPF Investment Details
₹
Min: ₹500, Max: ₹1,50,000 per yearyears
Min 15 years, extendable in 5-year blocks%
Current: 7.1% (revised quarterly)🏛️
Enter PPF details
About PPF (Public Provident Fund)
PPF is a government-backed long-term savings scheme offering guaranteed returns with EEE (Exempt-Exempt-Exempt) tax status. Deposits, interest, and maturity are all tax-free.
Key Features
- Lock-in Period: 15 years (extendable in 5-year blocks)
- Interest Rate: 7.1% p.a. (FY 2024-25, revised quarterly)
- Min Deposit: ₹500/year | Max Deposit: ₹1,50,000/year
- Tax Benefit: 80C deduction up to ₹1.5L + interest is tax-free
- Compounding: Annual (interest credited at year end)
- Premature Withdrawal: Allowed from 7th year (conditions apply)
- Loan: Available from 3rd to 6th year
Who Should Invest?
- Risk-averse investors seeking guaranteed returns
- Long-term wealth creation (retirement, child education)
- Tax saving under Section 80C
- Senior citizens seeking stable income (post extension)
PPF Rules
- 1 account per person (minor accounts allowed via guardian)
- Deposits allowed in max 12 installments per year
- Extension: 5 years with/without contributions
- Nomination facility available
- Transferable across India
PPF vs Other Options
- PPF vs EPF: PPF voluntary, EPF mandatory for salaried
- PPF vs NPS: PPF safer but lower returns, NPS market-linked
- PPF vs FD: PPF tax-free, FD taxable
- PPF vs Mutual Funds: PPF guaranteed, MF risky but higher potential