PPF Calculator (Public Provident Fund)
₹
Max: ₹1,50,000 per year (Section 80C limit)
%
Current rate: 7.1% p.a. (Apr–Jun 2025)
Years
Minimum 15 years; extendable in 5-year blocks
Total Invested
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Interest Earned
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Maturity Value
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Tax Saved (30% slab)
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| Year | Contribution | Interest | Closing Balance |
|---|
PPF Formula (Annual Compounding)
F = P × { [(1 + r)ⁿ - 1] / r }
Where:
F = Maturity Amount
P = Annual Contribution
r = Annual Interest Rate ÷ 100
n = Number of Years
PPF Investment Benefits
- EEE Tax Status: Investment, interest, and maturity are all tax-free under the Exempt-Exempt-Exempt regime.
- Section 80C: Contributions up to ₹1.5 lakh qualify for deduction.
- Loan Facility: You can take a loan against PPF from Year 3 to Year 6.
- Partial Withdrawal: Allowed from Year 7 onwards, subject to limits.
- Sovereign Guarantee: PPF is backed by the Government of India — zero credit risk.