🏛️ PPF Calculator
Calculate your Public Provident Fund maturity value with year-by-year breakdown.
Enter PPF Details
🇮🇳 India-specific — PPF is a Government of India scheme. Amounts are in ₹ INR only.
Enter your PPF details
Fill in the form to see your PPF maturity value and year-by-year growth.
- Invest before 5th April: PPF interest is calculated on the minimum balance between 5th and end of month — deposit early to maximise returns
- Max ₹1.5L/year: This limit also counts towards Section 80C deduction — double benefit
- EEE status: Invest tax-free, earn tax-free, withdraw tax-free — one of only 3 instruments with this status
- 15+5+5 strategy: After 15 years, extend in 5-year blocks to keep the tax-free compounding running indefinitely
💡 PPF Rules & Benefits
EEE Tax Status
PPF enjoys Exempt-Exempt-Exempt status — your investment (80C), interest earned, and maturity amount are all completely tax-free.
Lock-in & Extensions
Minimum 15-year lock-in. After maturity, extend in 5-year blocks (with or without contributions). Partial withdrawal allowed from 7th year onwards.
Investment Limits
Min ₹500/year, Max ₹1.5 lakh/year. Invest before the 5th of each month to earn interest for that month. Best to invest lump sum in April.
📋 Partial Withdrawal Rules
Withdrawals allowed from 7th financial year. Maximum: 50% of balance at the end of 4th preceding year or end of preceding year, whichever is lower.
Loan facility available from 3rd to 6th year at 1% above PPF rate.
📌 Next Steps
Compare PPF with other tax-saving instruments. Use our FD Calculator or NPS Calculator for alternatives.
Check our Income Tax Calculator to see the impact of PPF deductions on your tax liability.
⚠️ Calculator Disclaimer: PPF interest rate is set by the Government of India quarterly and may change. This calculator assumes a constant rate for the entire tenure. Actual returns may differ. This tool is for educational purposes only — not financial advice. Consult a SEBI-registered advisor.
| Instrument | 80C limit | Return | Lock-in | Tax on maturity | Premature exit | Regulator |
|---|---|---|---|---|---|---|
| PPF | ₹1.5L / yr | 7.1% p.a. (quarterly reset) | 15 yrs (extendable) | Fully exempt (EEE) | After 5 yr with penalty | MoF |
| ELSS Mutual Fund | ₹1.5L / yr | Market-linked | 3 years | LTCG 12.5% above ₹1.25L | Not before 3 yr | SEBI |
| Tax-Saving FD | ₹1.5L / yr | 6.5–7.5% p.a. | 5 years | Interest taxable as income | No premature exit | RBI |
| Life Insurance Premium | ₹1.5L / yr | Policy-dependent | Policy term | Exempt if premium < 10% of sum assured | Surrender value rules apply | IRDAI |
| NSC (National Savings Certificate) | ₹1.5L / yr | 7.7% p.a. (fixed) | 5 years | Interest taxable (but re-invested deductible) | Generally not allowed | MoF / India Post |
💡 How PPF Works
Tax-Free Returns
PPF interest and maturity are completely tax-free under EEE status — one of the safest tax-saving instruments.
15-Year Lock-In
PPF has a mandatory 15-year lock-in. Partial withdrawals allowed from year 7. Extensions possible in 5-year blocks.
Section 80C Benefit
Annual deposits up to 1.5 lakh qualify for tax deduction under Section 80C. Ideal for conservative, long-term savings.
📌 What To Do Next
PPF is great for tax-free, risk-free savings. For higher growth, compare with SIP. For retirement, explore NPS for extra tax benefits. Always consult a qualified financial advisor before making any financial decisions.
Explore NPS for Retirement →