PPF Calculator
Calculate your Public Provident Fund returns with 15-year compounding. Plan your tax-free savings and retirement.
PPF Calculator
Min: ₹500, Max: ₹1,50,000 per year
Current PPF rate: 7.1% (2024)
15-Year PPF Projection
Total Investment
₹22,50,000
Total Interest
₹18,18,209
Maturity Amount
₹40,68,209
Yearly Breakdown
| Year | Investment | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
Understanding PPF (Public Provident Fund)
What is PPF?
The Public Provident Fund (PPF) is a government-backed savings scheme that offers tax benefits and guaranteed returns. It's one of the most popular long-term investment options in India, especially for retirement planning.
PPF accounts have a 15-year maturity period with the option to extend in blocks of 5 years. The scheme offers tax-free interest and qualifies for tax deductions under Section 80C.
Key Features of PPF
✅ Tax Benefits
- • Tax deduction under Section 80C
- • Tax-free interest income
- • Tax-free maturity proceeds
- • EEE (Exempt-Exempt-Exempt) status
💰 Investment Limits
- • Minimum: ₹500 per year
- • Maximum: ₹1,50,000 per year
- • Flexible contribution frequency
- • Can invest in 12 installments
📈 Returns & Tenure
- • Current rate: 7.1% (2024)
- • 15-year maturity period
- • Compounded annually
- • Extendable in 5-year blocks
🔒 Safety & Liquidity
- • Government guaranteed
- • Partial withdrawal after 6 years
- • Loan facility after 3 years
- • Nomination facility available
PPF vs Other Investment Options
| Investment | Returns | Tax Benefits | Liquidity | Risk |
|---|---|---|---|---|
| PPF | 7.1% (Fixed) | EEE Status | Low | Very Low |
| FD | 6-7% | TDS on Interest | Medium | Low |
| ELSS | 12-15% | Section 80C | High | High |
| NPS | 8-10% | Section 80C + 80CCD | Low | Medium |
PPF Investment Strategy
📅 Best Time to Invest
- • Invest before 5th of each month to earn interest for that month
- • Maximum benefit: Invest ₹1,50,000 before April 5th
- • Regular monthly investments ensure consistent returns
- • Start early to benefit from compound interest
💡 Investment Tips
- • Open PPF account early in life for maximum benefits
- • Invest maximum ₹1,50,000 annually for optimal tax savings
- • Use PPF for retirement planning and long-term goals
- • Consider extending beyond 15 years for continued benefits
- • Combine with other 80C investments for maximum tax savings
PPF Withdrawal & Loan Rules
💰 Partial Withdrawal
- • Available after 6 years
- • Maximum 50% of balance at end of 4th year
- • Only one withdrawal per year
- • Tax-free withdrawal
🏦 Loan Facility
- • Available after 3 years
- • Maximum 25% of balance at end of 2nd year
- • Interest rate: 1% more than PPF rate
- • Repayment within 36 months