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PPF Calculator - Public Provident Fund

Calculate your PPF maturity amount with guaranteed returns and tax-free benefits. Plan your long-term savings with India's most popular tax-saving investment scheme.

Government Backed & Safe
EEE Tax Benefits - Complete Tax Free
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PPF Investment Parameters

PPF Key Features
Government backed - Zero risk investment
Guaranteed returns with quarterly compounding
15-year tenure with extension options
Investment Details
₹
₹1,50,000 per year
Minimum: ₹500 | Maximum: ₹1,50,000 per financial year
Yearly: One-time investment | Monthly: 12 equal installments
PPF Scheme Details
%
7.1% per annum
Current PPF interest rate: 7.1% (Q4 2024)
Yrs
15 Years (Standard PPF Tenure)
PPF can be extended in blocks of 5 years after 15 years
PPF Tax Benefits (EEE Category)
Exempt on Investment: Deduction under Section 80C up to ₹1.5 lakhs
Exempt on Accumulation: Interest earned is completely tax-free
Exempt on Withdrawal: Entire maturity amount is tax-free
No Wealth Tax: PPF investments are exempt from wealth tax
PPF Investment Strategy
Invest maximum ₹1.5 lakhs annually to utilize full tax benefit
Make contributions before 5th of April for current financial year benefit
Consider extending PPF beyond 15 years for continued tax-free returns
Use monthly contributions for better cash flow management

PPF Maturity Projection

Yearly Contributions - 15 Years Tenure
₹40.7L
Estimated Maturity Amount
₹40,68,209
Total Maturity Amount
₹18,18,209
Wealth Gained Through Interest
₹22,50,000
Total Investment
7.1%
Interest Rate
15 Years
Investment Period
1.8x
Wealth Multiplier
₹4,05,000
Estimated Tax Savings (30% bracket)

Investment vs Returns

Investment vs Returns Breakdown

Investment Insights

  • ✅ Your investment grows 1.8x in 15 years
  • ✅ Estimated tax savings: ₹4.05 lakhs
  • ✅ Complete tax-free returns and maturity
  • 💡 Consider extension for continued tax-free growth
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Year-by-Year PPF Growth

YearOpening BalanceAnnual ContributionInterest EarnedClosing Balance
1₹0₹1.50L₹10.7K₹1.61L
2₹1.61L₹1.50L₹22.1K₹3.33L
3₹3.33L₹1.50L₹34.3K₹5.17L
4₹5.17L₹1.50L₹47.4K₹7.14L
5₹7.14L₹1.50L₹61.4K₹9.26L
6₹9.26L₹1.50L₹76.4K₹11.52L
7₹11.52L₹1.50L₹92.4K₹13.95L
8₹13.95L₹1.50L₹1.10L₹16.54L
9₹16.54L₹1.50L₹1.28L₹19.32L
10₹19.32L₹1.50L₹1.48L₹22.30L
11₹22.30L₹1.50L₹1.69L₹25.49L
12₹25.49L₹1.50L₹1.92L₹28.91L
13₹28.91L₹1.50L₹2.16L₹32.57L
14₹32.57L₹1.50L₹2.42L₹36.49L
15₹36.49L₹1.50L₹2.70L₹40.68L

PPF vs Other Investments

Investment Parameter PPF FD Mutual Funds NPS
Returns 7.1% (Guaranteed) 6.5-7.5% 10-12% (Market Linked) 9-11% (Market Linked)
Tax Benefits EEE (Complete Tax Free) Taxable LTCG Tax Applicable EET (Partial Tax)
Risk Level Zero Risk Low Risk Market Risk Market Risk
Lock-in Period 15 Years 1-10 Years 3 Years (ELSS) Until Retirement
Maximum Investment ₹1.5 Lakh/Year No Limit No Limit ₹1.5 Lakh/Year (80C)

Why Choose PPF?

Government Backed

Complete capital protection with sovereign guarantee. Zero risk of principal loss.

Tax Free Returns

EEE category benefits - Tax free investment, accumulation, and withdrawal.

Guaranteed Returns

Fixed interest rates with quarterly compounding. No market volatility risk.

Long-term Growth

15-year tenure with extension options. Perfect for retirement and long-term goals.

PPF Calculator - Frequently Asked Questions

Common Questions About PPF
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (as of Q4 2024). The government reviews and revises PPF interest rates every quarter.
What is the minimum and maximum investment in PPF?
Minimum: ₹500 per year | Maximum: ₹1.5 lakh per financial year. You can make contributions in multiples of ₹50.
Can I extend my PPF account after 15 years?
Yes, you can extend your PPF account in blocks of 5 years after the initial 15-year maturity period. You can make contributions during extension periods.
Is PPF interest compounded?
Yes, PPF interest is compounded annually. However, the interest is calculated monthly and credited to your account at the end of the financial year.
Can I take a loan against my PPF?
Yes, you can take a loan against your PPF balance from the 3rd financial year up to the 6th financial year. The maximum loan amount is 25% of the balance.
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