PPF Calculator
Calculate Public Provident Fund returns and maturity amount
Can be extended in blocks of 5 years
Government declared rate (current: 7.1%)
Tax Benefits
PPF investments qualify for tax deduction under Section 80C up to ₹1.5 lakh per year. Additionally, the interest earned and maturity amount are completely tax-free.
Maturity Amount
After 15 years
Total Investment
Yearly: ₹1,50,000
Total Interest Earned
Tax-free returns
Total Returns
Effective rate: 4.03% p.a.
Yearly Tax Saving
Under 80C (30% bracket)
Max Loan Eligible
25% of balance
Related Calculators
How to Use
- 1Enter your values in the input fields
- 2Review the calculated results
- 3Use the results for your planning
Frequently Asked Questions
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (as of Q3 FY 2024-25). The rate is reviewed quarterly by the government but has remained stable at 7.1% since April 2020. Interest is compounded annually and credited on March 31st each year.
What are the PPF investment limits?
Minimum investment: ₹500 per year. Maximum investment: ₹1.5 lakh per financial year. You can invest in lump sum or in maximum 12 installments per year. Deposits made before the 5th of any month earn interest for that entire month.
What is the PPF maturity period and extension rules?
PPF has a 15-year lock-in period. After maturity, you can extend in blocks of 5 years indefinitely. During extension, you can choose to continue with or without fresh deposits. Even without extension, the account continues earning interest until closure.
What are the PPF withdrawal rules?
Partial withdrawals allowed from 7th year onwards, up to 50% of balance at end of 4th or preceding year (whichever is lower). Loan facility available from 3rd to 6th year. Complete withdrawal allowed only after 15 years maturity.
What are the tax benefits of PPF?
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: Investment qualifies for ₹1.5 lakh deduction under Section 80C, interest earned is tax-free, and maturity amount is completely tax-free. This makes PPF one of the most tax-efficient investment options in India.
Can NRIs invest in PPF?
NRIs cannot open new PPF accounts. If you had a PPF account as a resident and later became NRI, you can continue the account till maturity but cannot extend it. NRIs can only make deposits to continue the existing account, not open new ones.