PPF Calculator
Public Provident Fund (PPF) is a popular long-term savings-cum-tax-saving instrument in India. Use this tool to estimate your maturity corpus.
PPF Calculation
₹40,68,208
PPF interest rates are reviewed by the Government of India every quarter. This calculation is based on the current rate of 7.1%.
Understanding PPF (Public Provident Fund)
The Public Provident Fund is a government-backed savings scheme designed to provide retirement security to Indian citizens. It offers attractive interest rates and tax benefits, making it a favorite among conservative investors.
Lock-in Period
15 years is the mandatory lock-in. Extensions are possible in 5-year blocks.
Tax Benefit
EEE status: Deduction under 80C, tax-free interest, and tax-free maturity.
Safety
Government-backed, meaning your principal and interest are 100% safe.
How to use the PPF Calculator?
- Enter Yearly Investment: Move the slider or use chips to set how much you plan to invest annually (Max ₹1.5L).
- Set Interest Rate: The default is set to the current rate (7.1%), but you can adjust it for projections.
- Select Tenure: Choose the number of years. The minimum is 15.
- Review Results: Instantly see your total investment, total interest, and maturity amount.
Frequently Asked Questions
What is the current interest rate for PPF?
As of the current quarter of 2026, the PPF interest rate is 7.1% per annum. This rate is reviewed and set by the Government of India every quarter.
Can I extend my PPF account after 15 years?
Yes, you can extend your PPF account indefinitely in blocks of 5 years after the initial 15-year maturity period. You can choose to extend with or without further deposits.
What is the maximum amount I can invest in PPF per year?
The maximum investment allowed in a PPF account is Rs. 1,50,000 per financial year. The minimum investment required is Rs. 500.
Is PPF interest tax-free?
Yes, PPF follows the EEE (Exempt-Exempt-Exempt) tax regime. The amount invested, the interest earned, and the maturity amount are all exempt from income tax under Section 80C.
When is PPF interest calculated and credited?
Interest is calculated on the lowest balance in the account between the close of the 5th day and the end of the month. However, the interest is credited to the account annually at the end of each financial year (March 31st).