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    PPF Calculator

    POPULAR

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    PPF Investment

    EEE tax status: contribution, interest, maturity all tax-free

    Max ₹1.5L per year

    ₹
    ₹500₹1,50,000

    Min 15 years (extendable in 5y blocks)

    yrs
    15 yrs50 yrs

    PPF Highlights

    • • Current rate: 7.1% (revised quarterly)
    • • Lock-in: 15 years
    • • Tax: EEE (fully tax-free)
    • • Section 80C deduction up to ₹1.5L

    Tax-Free Maturity

    ₹40,68,209

    At 7.1% per annum, tax-free interest

    You Invest

    ₹22,50,000

    Interest

    +₹18,18,209

    Years

    15

    55% Principal45% Interest

    Year-by-Year Growth

    See how your PPF compounds annually

    Year 1

    ₹1,60,650

    Year 3

    ₹5,16,978

    Year 5

    ₹9,25,701

    Year 7

    ₹13,94,524

    Year 9

    ₹19,32,282

    Year 11

    ₹25,49,113

    Year 13

    ₹32,56,643

    Year 15

    ₹40,68,209

    Insight

    Your tax-free interest of ₹18,18,209 equals what you would get from a taxable FD earning ~10.1% (assuming 30% tax bracket). PPF is unbeatable.

    Pro Tip

    • •PPF is one of India's best tax-saving instruments - EEE status (no tax on contribution, interest, or maturity).
    • •Invest before April 5 each year for maximum interest benefit.
    • •Partial withdrawal allowed after 7 years; loan facility from year 3.
    • •Open at any post office or major bank (HDFC, SBI, ICICI).

    What is PPF Calculator?

    PPF (Public Provident Fund) is a government-backed long-term savings scheme with a 15-year lock-in. It offers EEE tax status: contributions are tax-deductible (Section 80C), interest is tax-free, and maturity is tax-free. With current interest at 7.1% (revised quarterly), PPF gives effective returns equivalent to a 10%+ taxable investment for those in higher tax brackets.

    How to Use

    1. 1Enter yearly contribution (max ₹1.5 lakh allowed)
    2. 2Set tenure (minimum 15 years, extendable in 5-year blocks)
    3. 3See your tax-free corpus at maturity
    4. 4Year-by-year breakdown shows compounding growth

    Formula

    Each year: New Balance = (Previous Balance + Yearly Deposit) × (1 + 7.1%)

    Frequently Asked Questions

    ₹1.5 lakh per financial year is the maximum. Minimum is ₹500/year. You can deposit in lump sum or up to 12 installments. Investing before April 5 each year gives maximum interest benefit.

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