PPF Calculator
Public Provident Fund Returns
Use our PPF calculator to estimate the maturity value of your Public Provident Fund investment. See how yearly contributions grow with compounding and enjoy EEE tax benefits.
Maturity Amount
₹40,68,209
Investment Breakdown
What is PPF?
The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India. It offers attractive interest rates with annual compounding and comes with a 15-year lock-in period that can be extended in blocks of 5 years. PPF is one of the most popular tax-saving instruments in India.
PPF Formula
FV = P × [((1 + r)n - 1) / r] × (1 + r)Where P = Yearly investment, r = Annual interest rate, n = Number of years
Key PPF Features
- 15-Year Lock-in: PPF has a mandatory lock-in of 15 years, with partial withdrawal allowed from the 7th year. The account can be extended in 5-year blocks.
- EEE Tax Benefit: PPF enjoys Exempt-Exempt-Exempt status — your investment (up to ₹1.5 lakh), interest earned, and maturity amount are all tax-free.
- Section 80C Deduction: Your yearly PPF contribution qualifies for tax deduction under Section 80C of the Income Tax Act, up to ₹1,50,000 per year.
- Extension Rules: After 15 years, you can extend the PPF account in blocks of 5 years with or without additional contributions.
Disclaimer: This calculator provides approximate results for illustrative purposes only. The PPF interest rate is revised quarterly by the Government of India. Current rate shown is indicative and may change. Please check the latest rate on the official government portal.