PPF Calculator

Calculate your Public Provident Fund maturity amount and interest earned over 15+ years.

Yearly Investment (Max ₹1.5 Lakh)

₹

Current Interest Rate (p.a)

Time Period (Min 15 Years)

Years

PPF accounts mature in 15 years and can be extended in blocks of 5 years (20, 25, 30, etc.)

Maturity Summary

Total Invested Amount₹22,50,000

Total Interest Earned+₹18,18,209

Maturity Value

₹40,68,209

Why invest in a PPF?

The Public Provident Fund is one of the most secure and tax-efficient savings instruments in India. It guarantees your returns because it is backed by the Government of India.

Tax Benefits (EEE): PPF is one of the few investment vehicles that fall under the "Exempt-Exempt-Exempt" category. This means:

Your annual contribution (up to ₹1.5 Lakh) is exempt from tax under Section 80C.
The interest earned every year is completely tax-free.
The maturity amount you receive at the end of 15 years is also completely tax-free.

Frequently Asked Questions

What is PPF?

Public Provident Fund (PPF) is a popular long-term investment scheme backed by the Government of India. It offers guaranteed returns and comes with EEE (Exempt-Exempt-Exempt) tax benefits.

What is the lock-in period for PPF?

The standard lock-in period for a PPF account is 15 years. However, you can extend it in blocks of 5 years after maturity. Partial withdrawals are allowed under specific conditions after 7 years.

What is the maximum and minimum limit for PPF investment?

The minimum investment required in a financial year is ₹500, and the maximum allowed investment is ₹1,50,000 to claim tax deductions under Section 80C.

Is the PPF interest rate fixed?

No, the Ministry of Finance reviews and announces the PPF interest rate every quarter. The current prevailing rate is usually around 7.1%.

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