PPF Calculator – Public Provident Fund

🛡️ PPF Calculator

Calculate guaranteed, tax-free returns on your Public Provident Fund. PPF falls strictly under the Exempt-Exempt-Exempt (EEE) category.

💡 Did you know? With PPF, your deposits are tax-deductible (under Sec 80C), the interest earned is completely tax-free, and the final maturity amount is also 100% tax-free.

Investment Plan

Monthly Deposit Amount ₹10,000

₹500₹12,500

₹

Maximum ₹1.5 Lakh per year allowed.

PPF Interest Rate (Govt. set) 7.1%

6%10%

Time Period 15 Yrs

15 Yrs50 Yrs

⏳

PPF locks for 15 years, then extending is allowed in blocks of 5.

Total Invested Amount

₹18,00,000

Total Tax-Free Interest

₹14,54,567

Maturity Value

₹32,54,567

44.7%

Interest

Invested Amount

Total Interest

Investment Growth Track

Year-wise PPF Breakdown

Year	Opening Balance	Invested During Year	Interest Earned	Closing Balance

PPF Rules & Calculations

Investment limits

The minimum amount that must be invested each year is ₹500, and the maximum is ₹1,50,000. If you try to deposit more than ₹1.5 Lakh in a financial year, it will not earn any interest and will not be eligible for tax deductions.

How is PPF Interest calculated?

Unlike FDs which compound quarterly, PPF interest is compounded annually. However, the interest is calculated on a monthly basis on the lowest balance between the 5th and the last day of the month. To get the maximum interest benefit, it’s advised to make your PPF contributions before the 5th of the month.

Tenure Rules

A PPF account matures after 15 years from the end of the financial year in which the account was opened. Upon maturity, you can either withdraw the entire corpus or extend it for a block of 5 years (with or without further deposits).