What is the lock-in period for a PPF account?

A Public Provident Fund (PPF) account has a mandatory lock-in period of 15 years. After maturity, it can be extended in blocks of 5 years with or without further contributions.

Is the PPF interest rate fixed?

No, the interest rate on PPF is not fixed for the entire tenure. It is set by the Government of India and is reviewed every quarter. The rate used in this calculator is an assumption for projection purposes.

What does EEE tax status mean for PPF?

EEE stands for Exempt-Exempt-Exempt. For PPF, this means: 1) The amount you invest is tax-deductible under Section 80C. 2) The interest you earn is completely tax-free. 3) The final maturity amount you withdraw is also tax-free. This makes it one of the most tax-efficient investment options.

PPF Calculator

Estimate the maturity value of your Public Provident Fund investment.

Investment Details

Yearly Investment (Max: ₹1,50,000)₹1,50,000

Interest Rate (% p.a.)7.10%

Time Period (Years)15 Years

Maturity Value

₹40,68,209

Invested Amount:₹22,50,000

Interest Earned:₹18,18,209

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About the PPF Calculator

Learn about PPF and its benefits for long-term, tax-free wealth creation.

What is Public Provident Fund (PPF)?

The Public Provident Fund (PPF) is a long-term, government-backed savings scheme in India. It aims to encourage small savings as a retirement corpus. It offers a fixed, attractive rate of interest and tax benefits, making it one of the most popular and secure investment options for long-term goals.

How to Use This Calculator

This calculator helps you forecast the maturity value of your PPF investment. You need to provide:

Yearly Investment: The amount you plan to invest annually (minimum ₹500, maximum ₹1,50,000).
Interest Rate: The current PPF interest rate (this is set by the government and changes quarterly).
Time Period: The duration you plan to stay invested. PPF has a minimum tenure of 15 years, which can be extended in blocks of 5 years.

The tool then calculates the year-on-year growth of your investment with annual compounding to project the final corpus.

Frequently Asked Questions

Key Features of PPF

Tax Benefits: PPF falls under the Exempt-Exempt-Exempt (EEE) category. This means the investment, the interest earned, and the maturity amount are all tax-free.
Safety: Being a government-backed scheme, it offers guaranteed, risk-free returns.
Loan Facility: You can avail a loan against your PPF balance from the 3rd to the 6th financial year.
Partial Withdrawal: Partial withdrawal is permissible from the 7th financial year onwards.

Disclaimer

The calculation is an estimate based on the inputs provided. The actual interest rate is subject to periodic changes by the Government of India. For exact details and financial advice, please consult with a financial expert.