Investment
PPF Calculator
Calculate PPF maturity amount for 15-year lock-in
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%
Yrs
Results
Total Invested—
Interest Earned—
Maturity Value—
Principal
Interest
Example Calculations
Quick reference scenarios to validate your planning
| Scenario | Result |
|---|---|
| ₹1.5 lakh/year at 7.1% for 15 years | ₹40.68 lakh (₹22.5L invested) |
| ₹1.5 lakh/year at 7.1% for 20 years | ₹66.58 lakh |
How It Works
Formula, methodology and key concepts explained
PPF (Public Provident Fund) is India's most popular tax-saving investment — backed by the Government of India with sovereign guarantee. It follows EEE (Exempt-Exempt-Exempt) taxation: your deposit, interest earned, and maturity amount are all completely tax-free.
The 15-year lock-in encourages long-term savings. Partial withdrawals are allowed from the 7th year. You can take loans against PPF balance from the 3rd year.
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Frequently Asked Questions
Common questions about PPF Calculator
- Public Provident Fund (PPF) is a government-backed savings scheme with a 15-year lock-in. It offers EEE tax status — contributions, interest, and maturity are all tax-free. Current rate is 7.1% p.a., reviewed quarterly.
- Interest is calculated on the minimum balance between the 5th and last day of each month, and credited to the account on 31st March every year. To maximize interest, invest before the 5th of April each year.
- Yes, in blocks of 5 years, either with or without contributions. Extensions can be done any number of times.
- ₹1.5 lakh per financial year (₹500 minimum). Investments above ₹1.5 lakh receive no interest and no tax benefit.
Key Numbers to Know
Benchmark figures for Investment planning in India
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Disclaimer: All calculations are estimates for planning purposes only. Results are based on the inputs you provide and assume constant rates. Actual returns may vary due to market conditions, inflation, tax law changes, and other factors. This is not financial advice. Consult a SEBI-registered investment advisor for personalised guidance. GST rates and income tax slabs are as per latest available information (FY 2025-26) and may change.
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