PPF Calculator
Calculate returns on your Public Provident Fund (PPF) investments
Public Provident Fund (PPF) is a government-backed tax-saving investment option that offers guaranteed returns with a 15-year lock-in period. Interest earned and maturity amount are tax-free, and you can save up to ₹1.5 lakh per year under Section 80C of the Income Tax Act. This calculator helps you estimate the maturity amount and total returns on your PPF investment.
PPF Investment Results
Total Investment
Total Interest Earned
Maturity Value
Total value after investment period
| Yearly Investment | ₹ 0 |
|---|---|
| Interest Rate | 0% |
| Investment Period | 0 Years |
| Investment Frequency | Monthly |
| Annual Increase | 0% |
| Tax Savings (Approx.) | ₹ 0 |
| Wealth Gain Ratio | 0x |
Investment Breakdown
Year-by-Year Growth
| Year | Investment | Interest | Balance |
|---|
PPF Guide & Tutorial
Understanding Public Provident Fund (PPF)
Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India that offers guaranteed returns with tax benefits. It's one of the most popular tax-saving instruments under Section 80C of the Income Tax Act.
Key Benefits
- Guaranteed returns by government
- Complete tax exemption (EEE)
- Long-term wealth creation
- Loan facility available
Important Points
- 15-year lock-in period
- Interest rate revised quarterly
- Minimum ₹500 per year
- Maximum ₹1.5 lakh per year
PPF Features and Rules
| Feature | Details | Additional Information |
|---|---|---|
| Account Opening | Banks or Post Office | One account per person |
| Investment Limit | ₹500 - ₹1.5 lakh/year | In multiples of ₹50 |
| Interest Calculation | Monthly balance basis | 5th of month to last day |
| Loan Facility | Available from 3rd year | Up to 25% of balance |
| Partial Withdrawal | From 7th year onwards | Up to 50% of balance |
Tax Benefits
Investment (E)
- Section 80C benefit
- Up to ₹1.5 lakh deduction
- Reduces taxable income
- Available every year
Interest (E)
- Tax-free interest
- Compounding benefits
- Quarterly credited
- Government guaranteed
Maturity (E)
- Tax-free withdrawal
- Complete amount exempt
- No TDS applicable
- Extension available
How to Use the Calculator
Enter Investment Details
Input yearly investment amount (₹500 to ₹1.5 lakh) and current interest rate.
Specify Investment Period
Choose investment period (minimum 15 years) and existing balance if any.
Select Investment Frequency
Choose between yearly, half-yearly, quarterly, or monthly investments.
Review Results
Check maturity amount, total investment, interest earned, and year-wise growth.
Frequently Asked Questions
Interest calculation method:
- Monthly Balance Method:
- Lowest balance between 5th and month-end
- Interest = Monthly balance × (Interest rate ÷ 12)
- Credited annually on March 31st
- Important Dates:
- Deposit by 5th for interest
- Interest compounded annually
- Rate revised quarterly
Withdrawal options:
- Premature Withdrawal:
- Allowed from 7th year
- Up to 50% of balance
- Specific purposes only
- Loan Facility:
- Available from 3rd year
- Up to 25% of balance
- Repayment within 36 months
Extension options:
- Block Extension:
- 5-year blocks available
- Multiple extensions possible
- Same interest rate
- Benefits:
- Continue tax benefits
- Higher corpus building
- Flexible withdrawals
Succession process:
- Nominee/Legal Heir:
- Account transferred to nominee
- Immediate withdrawal allowed
- No tax implications
- Required Documents:
- Death certificate
- Succession certificate
- Nominee details
Optimization strategies:
- Investment Timing:
- Invest before 5th of month
- Lump sum vs monthly investment
- Regular contributions
- Amount Planning:
- Maximize yearly limit
- Consider extension
- Avoid premature withdrawal