PPF Calculator

⚡ In shortSee how your yearly Public Provident Fund (PPF) contributions grow over the 15-year term — free and instant, with the tax-free maturity benefit. PPF interest is compounded annually on the lowest balance between the 5th and last day of each month, so investing before the 5th of the month maximises interest. Over the 15-year lock-in, each year's contribution earns compound interest at the notified PPF rate. Contributions up to ₹1.5 lakh a year qualify under Section 80C, and the interest and maturity amount are tax-free (EEE).

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How it is calculated

PPF interest is compounded annually on the lowest balance between the 5th and last day of each month, so investing before the 5th of the month maximises interest. Over the 15-year lock-in, each year's contribution earns compound interest at the notified PPF rate. Contributions up to ₹1.5 lakh a year qualify under Section 80C, and the interest and maturity amount are tax-free (EEE).

Frequently asked questions

What is the PPF lock-in period?

PPF has a 15-year maturity, extendable in blocks of 5 years. Partial withdrawals are allowed from the 7th year, and a loan facility is available in the earlier years, subject to rules.

Is PPF interest tax-free?

Yes — PPF enjoys EEE status: the contribution (up to ₹1.5 lakh under 80C), the annual interest, and the maturity amount are all tax-free. The interest rate is notified by the government each quarter.

What is the maximum I can invest in PPF per year?

The maximum is ₹1.5 lakh per financial year (the minimum is ₹500). Deposits above ₹1.5 lakh do not earn interest or tax benefit. Verify the current limits before investing.