🏛️ PPF Calculator
Estimate your Public Provident Fund maturity amount and total interest.
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The Public Provident Fund (PPF) is a government-backed, long-term savings scheme in India with a 15-year lock-in. It is popular because the interest is tax-free, your money is completely safe, and deposits qualify for tax deduction under Section 80C.
You can invest between ₹500 and ₹1.5 lakh per financial year. Interest is compounded yearly, and the rate is set by the government each quarter (currently around 7.1%).
Why people use PPF
It's one of the safest ways to build a tax-free corpus for long-term goals like retirement or a child's education. The trade-off is lower returns than equity and a long lock-in — so many people use PPF for the "safe" part of their savings and mutual funds for growth.
Frequently Asked Questions
- What is the current PPF interest rate?
- The government revises it every quarter. It has recently been around 7.1% per year. Always check the latest rate at your bank or post office — this calculator lets you enter any rate.
- Is PPF interest tax-free?
- Yes. PPF falls under the EEE (Exempt-Exempt-Exempt) category — your deposit, the interest, and the maturity amount are all tax-free, and deposits qualify under Section 80C.
- Can I withdraw before 15 years?
- PPF has a 15-year lock-in. Partial withdrawals are allowed from the 7th year, and loans against it are available earlier, subject to rules.
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⚠️ This calculator is for educational and estimation purposes only. PPF rates are set by the government and change quarterly; confirm the current rate before relying on the result. Not financial advice.