PPF Calculator
Calculate the maturity value of your Public Provident Fund (PPF) account based on yearly investment, interest rate, and tenure.
Results
| Maturity Amount | |
|---|---|
| Total Interest Earned | |
| Total Amount Invested |
What is PPF?
The Public Provident Fund (PPF) is a long-term, government-backed savings scheme in India with a mandatory lock-in of 15 years. It offers guaranteed, tax-free returns and is a popular choice for retirement and tax-saving planning under Section 80C.
How PPF interest is calculated
Interest is compounded annually on the lowest balance between the 5th and last day of each month, and credited to the account at the end of the financial year. This calculator uses a simplified annual compounding model assuming a lump sum deposit each year.
How to use this tool
- Enter your planned yearly investment (up to the ₹1.5 lakh annual limit).
- Enter the current PPF interest rate, which is set by the government and revised quarterly.
- Enter the tenure in years (minimum 15, extendable in blocks of 5) and click Calculate.
Frequently Asked Questions
What is the maximum yearly PPF investment limit?
The maximum investment allowed in a PPF account is ₹1,50,000 per financial year, which also qualifies for tax deduction under Section 80C.
Is PPF interest and maturity amount tax-free?
Yes, PPF falls under the EEE (Exempt-Exempt-Exempt) tax category — contributions, interest earned, and maturity proceeds are all tax-free.
Can I withdraw from PPF before 15 years?
Partial withdrawals are allowed from the 7th financial year onward, subject to specific rules, and premature closure is permitted only in limited cases like medical emergencies or higher education.
Can I extend my PPF account after 15 years?
Yes, a PPF account can be extended indefinitely in blocks of 5 years, with or without making further contributions.
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