Free online PPF Calculator for India. Calculate public provident fund maturity amount, interest earned, and tax exemptions under Section 80C instantly.
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How to Use Public Provident Fund (PPF) Calculator
Enter your Yearly Investment amount (maximum ₹1.5 Lakhs per year).
Select the PPF Interest Rate (current rate is 7.1% p.a.).
Choose the total duration (minimum lock-in is 15 years, extendable in blocks of 5 years).
Review the detailed year-by-year compounding sheet and maturity values.
Why Choose Public Provident Fund (PPF)?
PPF is one of the safest tax-saving instruments in India because it is directly backed by the Central Government. It offers guaranteed, tax-free returns and is immune to court attachments. A PPF account has a maturity period of 15 years, which can be extended indefinitely in blocks of 5 years.
PPF Interest Calculation Rule
Interest is calculated on the lowest balance in the account between the close of the 5th day and the end of the month. Therefore, to maximize interest earnings, PPF subscribers should deposit their annual contributions on or before the 5th of April each financial year.
Frequently Asked Questions
What is the Public Provident Fund (PPF)?
PPF is a long-term government-backed savings scheme in India designed to provide retirement security with attractive tax-free interest rates.
When is PPF interest calculated and credited?
PPF interest is calculated monthly based on the lowest balance in the account between the 5th and the last day of the month, but it is credited to the account once a year on March 31st.
What does the EEE tax status of PPF mean?
EEE stands for Exempt-Exempt-Exempt. It means that the principal invested (up to ₹1.5 Lakhs under Sec 80C), the interest earned, and the final maturity amount are all completely exempt from income tax.