PPF Calculator
Calculate your Public Provident Fund returns and plan for tax-free retirement corpus
PPF Details
Min: ₹500 | Max: ₹150,000
PPF can be extended after 15 years without contributions
Current PPF Rate: 7.1%
Lock-in Period: 15 years
Tax Benefits: EEE status
Partial Withdrawal: After 7th year
PPF Calculation Results
Total Investment
₹2,250,000
Maturity Amount
₹4,068,209
Total Interest
₹1,818,209
Maturity Age
45 years
Download & Share Results
Download saves a text file • Copy allows you to share results anywhere
Works reliably in all browsers and environments
Complete Guide to Public Provident Fund (PPF)
PPF Key Features
- • Lock-in Period: 15 years mandatory
- • Investment Limit: ₹500 to ₹1,50,000 per year
- • Tax Benefits: EEE (Exempt-Exempt-Exempt) status
- • Interest Rate: 7.1% (reviewed quarterly)
- • Compounding: Annual compounding
- • Partial Withdrawal: Allowed after 7th year
- • Loan Facility: Against PPF from 3rd to 6th year
- • Extension: Block of 5 years after maturity
PPF Benefits
- • Tax Deduction: Under Section 80C up to ₹1.5 lakh
- • Tax-free Interest: No TDS on interest earned
- • Tax-free Maturity: No tax on maturity amount
- • Government Guarantee: Backed by Government of India
- • Nomination Facility: Up to 4 nominees allowed
- • Transfer Facility: Transferable across India
- • Online Access: Manage account online
- • Flexible Deposits: Lump sum or installments
PPF Investment Strategy
Early Career (20s-30s)
Start with maximum investment to benefit from long-term compounding. PPF provides stable foundation for retirement planning.
Mid Career (30s-40s)
Continue maximum investments while balancing with other instruments. Use PPF for tax planning and secure corpus building.
Pre-Retirement (40s-50s)
PPF provides tax-free stable returns. Consider extending after maturity for continued tax-free growth.
Important PPF Rules
- • Minimum ₹500 investment required each year to keep account active
- • Premature closure allowed only in specific cases (serious illness, higher education)
- • After 15 years: can withdraw full amount or extend in blocks of 5 years
- • During extension: can continue with/without further contributions
- • Joint account not allowed; separate accounts for each individual
Why PPF Remains One of India’s Most Trusted Investments
Public Provident Fund (PPF) continues to be one of the most reliable long-term investment options for Indian investors because of its government backing, tax-free returns, and stable compounding benefits. It is especially useful for conservative investors who want wealth creation without market volatility.
The biggest advantage of PPF is its EEE tax status — investments, interest earned, and maturity proceeds are all tax exempt under current rules. This makes PPF highly effective for retirement planning, long-term savings, and tax optimization.
Investing consistently every year and staying invested for the full tenure can help create a large tax-free corpus over time. Many investors also extend their PPF accounts beyond 15 years to continue benefiting from secure compounding and guaranteed returns.
PPF vs Other Tax-Saving Investments
| Feature | PPF | ELSS | NSC | FD |
|---|---|---|---|---|
| Lock-in Period | 15 years | 3 years | 5 years | 5 years |
| Expected Returns | 7.1% | 12-15% | 6.8% | 6-7% |
| Tax on Maturity | Tax Free | LTCG Tax | Taxable | Taxable |
| Risk Level | Very Low | Moderate | Very Low | Very Low |
| Liquidity | Limited | High | None | Premature penalty |
Frequently Asked Questions
Can I open multiple PPF accounts?
No, an individual can have only one PPF account. However, you can open a PPF account for your minor child.
What happens if I don't invest ₹500 in a year?
The account becomes dormant but continues to earn interest. You need to pay ₹50 penalty plus minimum ₹500 to reactivate.
Can I take a loan against PPF?
Yes, you can take a loan from the 3rd to 6th year. Maximum loan amount is 25% of the balance at the end of 2nd preceding year.
Is PPF interest rate fixed?
No, the government reviews PPF interest rates quarterly. However, once declared, the rate applies for the entire quarter.
Should I extend PPF after 15 years?
Extension is beneficial if you don't need the money immediately and want to continue earning tax-free returns at the current rate.
Related Articles
ELSS vs PPF Comparison
Compare lock-in period, returns, taxation, and risk between ELSS and PPF investments.
Tax Saving Investments Guide
Explore the best tax-saving investment options available under Section 80C.
Retirement Planning Guide
Learn how PPF can help create a secure and tax-efficient retirement corpus.
Financial Goal Setting Guide
Build long-term wealth by aligning your investments with life goals and financial planning.