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InsightforGeeks

PPF Calculator (Public Provident Fund)

Plan your risk-free government guaranteed savings with our PPF calculator. Calculate your 15 to 30 year maturity corpus, tax-free interest at 7.1% p.a., and explore year-by-year compounding progression under EEE tax-exempt status.

₹
₹500 (Min)₹75,000₹1,50,000 (Max 80C)
%
Current Govt Rate: 7.1% (Compounded Annually)
Years
15 Years (Base)20 Years (+5Y)25 Years30 Years (+15Y)
Quick Investment Presets
Total PPF Maturity Value
₹40,68,208
100% Tax-Free (EEE Status)
Total Amount Deposited₹22,50,000
Total Interest Earned+₹18,18,208
Corpus in Words
≈ ₹40.68 Lakh
Interest45%
Deposit (55%)Interest (45%)

How to use it

  1. Enter your yearly investment amount (minimum ₹500, maximum ₹1,50,000 per financial year).
  2. Verify the government-notified interest rate (currently 7.1% compounded annually).
  3. Select your tenure: 15 years base tenure, or extend in blocks of 5 years (up to 30 years).
  4. View your total deposit, total interest earned, final tax-free maturity amount, and the complete year-by-year schedule.

Frequently asked questions

What is the Public Provident Fund (PPF)?

PPF is a long-term sovereign-backed savings scheme introduced by the Government of India. It offers guaranteed, risk-free returns and is fully backed by the Central Government.

What is the tax status of PPF?

PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. Deposits are deductible under Section 80C up to ₹1.5 Lakh per year, the annual interest earned is 100% tax-free, and the entire maturity proceeds are completely exempt from income tax.

Can I extend my PPF account after 15 years?

Yes. After the initial 15-year maturity, you can extend your PPF account indefinitely in blocks of 5 years, either with fresh contributions or without fresh contributions while continuing to earn interest.

When should I deposit money in PPF to maximize interest?

Interest in PPF is calculated on the lowest balance between the 5th and the end of each calendar month. Depositing before the 5th of every month or depositing a lump sum before April 5th maximizes your annual interest return.

Related tools

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