PPF Calculator

Estimate the future value of your PPF investment.

Total Investment
Total Interest
Maturity Value

Year-wise Projection

Year Opening Balance Amount Invested Interest Earned Closing Balance

Understanding PPF (Public Provident Fund)

What is PPF?

The Public Provident Fund (PPF) is a long-term investment scheme backed by the Government of India. It offers an attractive rate of interest and tax benefits, making it a popular choice for safe, long-term savings and retirement planning. The interest rate is set by the government and reviewed quarterly.

Key Features & Benefits

PPF comes with an EEE (Exempt-Exempt-Exempt) tax status. This means the contribution, the interest earned, and the maturity amount are all tax-free. It has a lock-in period of 15 years, which can be extended in blocks of 5 years. The minimum annual investment is ₹500, and the maximum is ₹1,50,000.

Frequently Asked Questions (FAQ)

No, the PPF interest rate is not fixed. The Government of India revises it every quarter. The interest for a particular year is calculated on the rate applicable for that period. Our calculator allows you to adjust the interest rate to see how different rates might affect your returns.

Yes, partial withdrawals are allowed, but only from the 7th financial year onwards. There are specific rules and limits regarding the amount you can withdraw, which are typically for reasons like higher education, medical emergencies, or marriage.

Upon maturity, you have three options: 1) Withdraw the entire amount and close the account. 2) Extend the account for a block of 5 years without making further contributions (the balance will continue to earn interest). 3) Extend the account for a block of 5 years with contributions.