PPF Calculator
Calculate your Public Provident Fund returns
Min ₹500 | Max ₹1,50,000 per year
PPF has a fixed 15-year lock-in period
Current PPF rate: 7.1% (Reviewed quarterly by government)
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Quick Examples
PPF Calculator by Annual Investment
PPF Calculator by Tenure
How PPF Calculator Works
- Enter Annual Investment: Amount you plan to invest yearly (₹500 to ₹1.5 lakh)
- Select Tenure: PPF has a fixed 15-year maturity period
- Interest Rate: Current rate is 7.1% (compounded annually)
- Get Results: See maturity amount, total interest, and tax benefits
PPF Calculation Formula
PPF Maturity Formula:
FV = P × [((1 + r)^n - 1) / r] × (1 + r)
Where:
P = Annual Investment
r = Interest Rate ÷ 100
n = Number of Years
Example: ₹50,000/year for 15 years @7.1% = ₹13.7 Lakhs
Benefits of PPF Investment
- ✓ Tax Benefits: Section 80C deduction up to ₹1.5 lakh per year
- ✓ Tax-Free Returns: Maturity amount is completely tax-free
- ✓ Government Backed: Highest safety with sovereign guarantee
- ✓ Loan Facility: Available after 3 years
- ✓ Partial Withdrawal: Allowed after 5 years
- ✓ Compounding Benefits: Interest compounds annually
PPF vs Other Investments (₹1.5L/year for 15 years)
PPF @7.1%: ₹41.2 Lakhs (Tax-Free)
FD @7%: ₹40.8 Lakhs (Taxable)
Debt Fund @8%: ₹44.5 Lakhs (Taxable)
Frequently Asked Questions
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (October-December 2024). The government reviews rates quarterly. Interest is compounded annually but calculated monthly.
What is the minimum and maximum PPF investment?
Minimum annual investment is ₹500. Maximum is ₹1,50,000 per financial year. You can invest in lump sum or up to 12 installments per year.
Is PPF maturity amount taxable?
No, the PPF maturity amount is completely tax-free under Section 10(11) of the Income Tax Act. Both the principal and interest are tax-exempt.
Can I withdraw PPF amount before 15 years?
Partial withdrawal is allowed from the 5th financial year onwards. Complete withdrawal is only allowed at maturity (15 years). After 15 years, you can extend in blocks of 5 years.
Can I take a loan against my PPF?
Yes, you can take a loan against your PPF balance between the 3rd and 5th financial year. The loan amount is up to 25% of the balance at the end of the 2nd year.
Is this PPF calculator free?
Yes, completely free! No sign-up, no credit card, no hidden fees. Your calculations stay private in your browser.
🔒 Privacy Guarantee: Your PPF calculations never leave your browser. We don't store any information. 100% private and secure.
PPF Returns at Different Investment Amounts (15 Years @7.1%)
| Annual Investment | Total Investment | Maturity Amount | Interest Earned |
|---|---|---|---|
| ₹10,000 | ₹1,50,000 | ₹2.75 Lakhs | ₹1.25 Lakhs |
| ₹25,000 | ₹3,75,000 | ₹6.87 Lakhs | ₹3.12 Lakhs |
| ₹50,000 | ₹7,50,000 | ₹13.7 Lakhs | ₹6.2 Lakhs |
| ₹1,00,000 | ₹15,00,000 | ₹27.5 Lakhs | ₹12.5 Lakhs |
| ₹1,50,000 | ₹22,50,000 | ₹41.2 Lakhs | ₹18.7 Lakhs |
Start Your PPF Investment Today
Calculate your 15-year PPF returns and plan your tax-saving investments wisely.