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PPF Calculator

Calculate your Public Provident Fund (PPF) returns and plan your long-term tax-saving investments.

₹500₹1,50,000
1%15%
15 years50 years

PPF Results

About Public Provident Fund (PPF)

The Public Provident Fund (PPF) is a popular long-term investment scheme in India that offers tax benefits under Section 80C of the Income Tax Act. It is backed by the Government of India and provides a safe investment avenue with attractive returns.

Key Features of PPF

  • Lock-in Period: 15 years (can be extended in blocks of 5 years)
  • Investment Limit: Minimum ₹500 and maximum ₹1,50,000 per financial year
  • Interest Rate: Set by the government quarterly (currently around 7.1% p.a.)
  • Tax Benefits: Contributions are eligible for tax deduction under Section 80C
  • Interest Earned: Tax-free under Section 10
  • Partial Withdrawal: Allowed from the 7th financial year onwards
  • Loan Facility: Available from 3rd to 6th financial year

How to Use This Calculator

Enter your annual investment amount, the interest rate, and the investment period. The calculator will show you the estimated maturity amount, total investment, interest earned, and a year-by-year breakdown of your PPF account.

PPF Investment Strategy

For optimal returns, consider investing the maximum amount allowed (₹1,50,000) each year. Making your contribution at the beginning of the financial year can also maximize your returns as interest is calculated on the lowest balance between the 5th and the last day of each month.