PPF Calculator
Calculate PPF maturity amount over 15 years. See year-wise growth, interest earned & Section 80C tax savings.
Frequently Asked Questions
What is PPF?
Public Provident Fund (PPF) is a long-term government savings scheme with a 15-year lock-in. It offers guaranteed returns, tax deduction under 80C, and completely tax-free maturity — making it EEE (Exempt-Exempt-Exempt).
What is the current PPF interest rate?
The PPF interest rate is set by the government quarterly. As of 2024-25, it is 7.1% p.a., compounded annually. It has ranged from 7% to 8.7% in the last decade.
What are the PPF contribution limits?
Minimum ₹500/year and maximum ₹1,50,000/year. Contributions can be made in up to 12 installments per year. The maximum of ₹1.5 lakh qualifies for 80C deduction.
Can I withdraw from PPF before maturity?
Partial withdrawals are allowed from the 7th year onwards (up to 50% of the balance at the end of the 4th preceding year). Loans against PPF are available from the 3rd to 6th year.
Can I extend PPF after 15 years?
Yes, PPF can be extended in blocks of 5 years indefinitely. You can extend with or without contributions. The interest rate continues to apply on the balance.