PPF Calculator India

Calculate your Public Provident Fund maturity amount at current 7.1% interest rate.

⚙️ PPF Details

Yearly Investment ₹1,00,000

₹500₹1.5L

PPF Interest Rate 7.1%

6%9%

Period (Years) 15 Years

15 Yrs50 Yrs

📊 PPF Maturity

Maturity Amount

₹27,12,139

Total Invested

₹15,00,000

Interest Earned

₹12,12,139

Wealth Gained

80.8%

Tax Benefit

EEE 🎉

Interest Principal

What is PPF?

Public Provident Fund (PPF) is a government-backed long-term savings scheme in India with a 15-year lock-in period. It offers tax-free interest and falls under the EEE (Exempt-Exempt-Exempt) tax category — contributions, interest and maturity are all tax-free.

Key PPF Facts (2025)

• Current interest rate: 7.1% p.a. (compounded annually). • Minimum deposit: ₹500/year. • Maximum deposit: ₹1,50,000/year. • Lock-in: 15 years (extendable in 5-year blocks). • Tax benefit: Deduction under Section 80C up to ₹1.5L/year.

Can I withdraw from PPF before 15 years?

Partial withdrawal is allowed from 7th year onwards. You can withdraw up to 50% of the balance at the end of 4th year or the preceding year, whichever is lower.

Is PPF better than FD?

PPF is better for long-term goals because it's completely tax-free (EEE status), while FD interest is taxable. However, FD offers more liquidity. PPF is ideal for retirement planning.