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PPF Calculator

Calculate your Public Provident Fund maturity with current 7.1% interest rate

📝Your Investment

₹

Min ₹500 • Max ₹1,50,000 per year

Min 15 years (lock-in) • Can extend in 5-year blocks

Current PPF rate: 7.1% (revised quarterly by Govt)

📊Your Returns

Total Investment ₹22,50,000
Total Interest Earned ₹18,18,209
Years to Maturity 15 years
Tax Saving (80C) Up to ₹46,800/year
Maturity Amount
₹40,68,209
100% tax-free (EEE status)

📋Year-wise Breakdown

YearInvestmentInterestBalance

Frequently Asked Questions

What is PPF and current interest rate? +
PPF (Public Provident Fund) is a long-term government-backed savings scheme with a 15-year lock-in period. Current interest rate is 7.1% per annum (compounded yearly), revised quarterly by the Government of India.
Maximum and minimum investment in PPF? +
Minimum is ₹500 per year and maximum is ₹1,50,000 per financial year. You can invest in lump sum or up to 12 installments per year. Invest before 5th of each month to get full month's interest.
Is PPF completely tax-free? +
Yes! PPF enjoys EEE (Exempt-Exempt-Exempt) status: (1) Investment qualifies for Section 80C deduction up to ₹1.5 lakh, (2) Interest earned is tax-free, (3) Maturity amount is fully tax-free.
Can I extend PPF after 15 years? +
Yes, you can extend in blocks of 5 years (with or without contributions) for unlimited times. This is great for compounding gains since you continue earning 7.1% on accumulated amount.
Can I withdraw money before 15 years? +
Partial withdrawal is allowed from 7th year onwards (max 50% of balance). Loan facility available between 3rd-6th year. Premature closure only in special cases (life-threatening disease, education, NRI status).
PPF vs Mutual Funds vs FD - which is better? +
PPF: Safe + 7.1% + tax-free + 15-year lock. Mutual Funds: 12-15% returns but market risk. FD: 6-7% but interest is taxable. PPF is best for safe, tax-free long-term wealth. Use SIP in mutual funds for higher returns alongside PPF.
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Important Financial Disclaimer

This calculator is for informational and educational purposes only. The results are estimates based on the inputs provided and should NOT be considered as financial, investment, tax, or legal advice.

  • 💼 Consult a qualified financial advisor, Chartered Accountant, or tax consultant before making any investment, tax, or financial decision based on these calculations.
  • 📊 Interest rates and tax rules change frequently — always verify current rates from official sources (RBI, EPFO, Income Tax Department, SEBI, banks) before investing.
  • 📈 Past performance does not guarantee future returns. Mutual funds, equity, and market-linked investments are subject to market risks.
  • 🏦 Bank/Government rates shown are indicative and may differ from your actual quoted rate. Confirm with your bank or financial institution before transaction.
  • 📋 Calculations may not include all charges like processing fees, GST, TDS, prepayment charges, late payment penalties, or other applicable costs.
  • ⚖️ Tax calculations are simplified estimates. Actual tax liability depends on your complete income profile, deductions, exemptions, and current laws.

By using this calculator, you acknowledge and agree that KaamKaTool.in, its owners, and developers are not liable for any financial loss, damage, or adverse outcomes resulting from decisions based on this information. Use at your own risk and discretion.