PPF Calculator
Min 500 – Max 1,50,000 per year
Minimum 15 years. Extendable in 5-year blocks.
Maturity Details
750,000
Total Invested
606,069.74
Interest Earned
1,356,069.74
Maturity Amount
✓ 100% Tax-Free under Section 80C & 10(11)
What is a PPF Calculator?
A PPF Calculator (Public Provident Fund Calculator) helps you estimate the maturity amount of your PPF account based on your annual deposits and the current interest rate of 7.1%. PPF is one of India's most popular long-term savings schemes, backed by the Government of India.
The PPF account has a lock-in period of 15 years and offers EEE (Exempt-Exempt-Exempt) tax status — meaning deposits are tax-deductible under Section 80C, interest earned is tax-free, and the maturity amount is also exempt from tax.
PPF Account Rules
- Minimum deposit: 500 per financial year
- Maximum deposit: 1,50,000 per financial year
- Lock-in period: 15 years (extendable in 5-year blocks)
- Partial withdrawal allowed from the 7th year onwards
- Loan facility available from 3rd to 6th year
- One account per individual (no joint accounts)
Frequently Asked Questions
Can I extend my PPF account after 15 years?
Yes. After 15 years, you can extend your PPF account in 5-year blocks, with or without making further deposits. Extending with deposits continues to earn interest at the prevailing rate.
Is PPF better than FD for long-term saving?
PPF is generally better for long-term goals because the interest is completely tax-free, unlike FD interest which is taxable. However, PPF has a 15-year lock-in and limited liquidity. FDs offer more flexibility.
When is the best time to deposit in PPF?
For maximum interest, deposit before 5th April of each financial year. PPF interest is calculated on the minimum balance between 5th and last day of each month, so deposits made before the 5th earn interest for the full month.
PPF Key Facts
- Interest Rate7.1% p.a.
- Min Deposit500/year
- Max Deposit1.5 L/year
- Tenure15 years
- Tax StatusEEE (Exempt)