PPF Calculator - Public Provident Fund
Calculate your PPF maturity amount and returns. Current interest rate: 7.1% p.a. Plan your long-term savings with guaranteed returns.
PPF Calculator
Calculate Public Provident Fund maturity with tax benefits
Min: ₹500, Max: ₹1.5 Lakh (80C limit)
Minimum 15 years, can extend in blocks of 5 years
Current PPF rate: 7.1% (updated quarterly by government)
Show real returns after inflation
Tax Benefits
✓ 80C deduction (up to ₹1.5L) • Interest & maturity tax-free
Contributed
₹22.50 L
Returns
₹18.18 L
Maturity
₹40.68 L
PPF Growth Projection
PPF Calculator - Frequently Asked Questions
Q1.What is PPF and how does it work?
Public Provident Fund (PPF) is a government-backed long-term savings scheme with tax benefits. It has a 15-year lock-in period (extendable in 5-year blocks), offers guaranteed returns (currently 7.1% p.a.), and provides triple tax exemption (EEE) - tax-free contributions, interest, and maturity amount.
Q2.What is the current PPF interest rate for 2026?
The PPF interest rate for Q4 FY 2024-25 (Jan-Mar 2026) is 7.1% per annum, compounded annually. The government reviews and announces PPF rates quarterly. Historical rates have ranged from 7.1% to 8.7% over the past decade.
Q3.What is the minimum and maximum PPF investment?
Minimum annual investment: ₹500. Maximum annual investment: ₹1.5 lakh. You can deposit in lump sum or up to 12 installments per year. Deposits made before 5th of month earn interest for that month. Maximum limit is per individual, not per account.
Q4.Can I withdraw money from PPF before maturity?
Partial withdrawals are allowed from 7th year onwards (up to 50% of balance at end of 4th year). Premature closure is allowed after 5 years for specific reasons (medical emergency, higher education). Loans against PPF are available from 3rd to 6th year at 1% above PPF rate.
Q5.Is PPF better than FD or mutual funds?
PPF offers guaranteed returns with complete tax exemption, making it ideal for risk-averse investors. FDs offer liquidity but taxable returns. Mutual funds offer higher potential returns (12-15%) but with market risk. PPF is best for long-term goals with assured returns and tax savings under Section 80C.