PPF Calculator Public Provident Fund
India's Most Popular Tax-Free Investment Scheme
Calculate your PPF returns, plan your long-term savings, and build a secure future with guaranteed returns and tax benefits under EEE status.
PPF Calculator
Public Provident Fund Planner
Minimum: ₹500, Maximum: ₹1,50,000 per year
Minimum tenure: 15 years (extendable in blocks of 5 years)
Current rate: 7.1% p.a. (Q4 FY 2024-25)
💡 Tip: The current PPF interest rate is 7.1% p.a. (Q4 FY 2024-25). Rate is revised quarterly by the Government of India.
Understanding PPF (Public Provident Fund)
What is PPF?
- Long-term savings scheme backed by Government of India
- Offers guaranteed returns with complete safety
- Available to all Indian residents including minors
- Can be opened at post offices and authorized banks
Key Features
- Minimum: ₹500 per year, Maximum: ₹1,50,000 per year
- Lock-in Period: 15 years (extendable in blocks of 5 years)
- Interest Rate: 7.1% p.a. (revised quarterly by Govt.)
- Interest compounded annually
Tax Benefits (EEE Status)
Deposit up to ₹1.5L deductible under Section 80C
Interest earned is completely tax-free
Maturity amount is entirely tax-free
Withdrawal Rules
- Partial Withdrawal: Allowed from 7th year onwards
- Up to 50% of balance at end of 4th year
- Loan: Available from 3rd to 6th year
- Premature closure allowed in specific cases only
Important Points
- Only one account per individual
- Minimum deposit must be made each year
- Account becomes inactive if minimum not deposited
- Can be revived by paying dues with penalty
Why Choose PPF?
Backed by Government of India
EEE - Best tax treatment available
Better than most fixed deposits
Builds wealth through discipline
Borrow against your balance
Ideal for retirement planning
Disclaimer
This calculator provides estimates based on the inputs provided and current PPF rules. Actual PPF balance may vary based on changes in interest rates over time, actual deposits made, withdrawals, or changes in PPF regulations. For official PPF balance and statements, please check your PPF passbook or visit the nearest post office/bank where your PPF account is held. Interest rates are subject to quarterly revision by the Government of India.