PPF Calculator
Calculate your Public Provident Fund returns and plan your long-term investments
Investment Details
PPF Features:
- • 15-year lock-in period
- • Current interest rate: 7.1% p.a.
- • Tax-free returns (EEE status)
- • Partial withdrawal after 7 years
PPF Results
Yearly Breakdown
Disclaimer
These are computer-generated calculations for informational purposes only. Actual returns may vary based on government policy changes and interest rate fluctuations. Please consult with a financial advisor before making investment decisions. The calculations may not be 100% accurate and should not be the sole basis for financial planning.
What is PPF Calculator?
A PPF (Public Provident Fund) calculator helps you estimate the maturity amount, total interest earned, and yearly growth of your PPF investment over the 15-year lock-in period. It considers the current interest rate and annual contribution limits.
Essential for retirement planning, tax saving under Section 80C, and building a long-term corpus with guaranteed returns and tax-free maturity benefits.
PPF Investment Rules & Benefits
Investment Limits
Check local minimum and maximum investment limits. You can invest in lump sum or installments throughout the year.
Lock-in Period
15 years mandatory lock-in with option to extend in blocks of 5 years. Partial withdrawal allowed after 7 years.
Tax Benefits (EEE Status)
Investment qualifies for 80C deduction, interest is tax-free, and maturity amount is completely tax-exempt.
PPF vs Other Investment Options
PPF vs EPF
PPF offers higher liquidity options and continues post-retirement, while EPF is employer-linked with higher contribution limits.
PPF vs NSC
PPF has longer tenure but tax-free returns, while NSC has 5-year tenure with taxable interest income.
PPF vs ELSS
PPF offers guaranteed returns with no market risk, while ELSS has potential for higher returns but with market volatility.
Frequently Asked Questions
Can I withdraw money from PPF before 15 years?
Partial withdrawal up to 50% of balance is allowed after 7 years for specific purposes like education, medical treatment, or home purchase.
What happens if I don't invest the minimum amount?
Account may become dormant with penalties for non-contribution. Check with your provider for reactivation requirements.
Can I have multiple PPF accounts?
No, only one PPF account per individual is allowed. However, you can open accounts for minor children as their guardian.