🏛️ PPF Calculator
PPF Calculator
Public Provident Fund (PPF) is India's safest long-term investment with guaranteed 7.1% p.a. returns (government-backed) and EEE tax status — contributions, interest, and maturity are all tax-free. Minimum ₹500/year, maximum ₹1.5 lakh/year.
Government Backed
Sovereign guarantee — zero risk
EEE Tax Category
Invest, earn & withdraw — all tax-free
80C Eligible
Deduction up to ₹1.5 lakh/year
15 Year Tenure
Extendable in 5-year blocks
PPF Maturity Calculator
Current PPF Rate: 7.1% p.a. (Q1 FY 2025-26)
₹
Years
%
Maturity Amount (Tax-Free)₹40,68,209
Total Invested₹22,50,000
Interest Earned₹18,18,209
Tax Saved (30% slab est.)₹6,75,000
Effective Return Rate7.1%
Year-by-Year PPF Growth
| Year | Opening Balance | Annual Investment | Interest Earned | Closing Balance |
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PPF FAQs
What is the current PPF interest rate in 2025?
PPF interest rate for Q1 FY 2025-26 is 7.1% per annum, compounded annually. This rate is set by GOI and reviewed every quarter. PPF has maintained 7.1% since April 2020.
What is the maximum PPF investment per year?
Maximum PPF investment is ₹1,50,000 per financial year (April to March). Minimum is ₹500/year. Contribution in excess of ₹1.5 lakh is not eligible for 80C deduction and earns no interest.
When can I withdraw from PPF?
Full withdrawal is only allowed at maturity (after 15 years). Partial withdrawal allowed from 7th year — up to 50% of balance at end of 4th year or preceding year, whichever is lower. One withdrawal per year. Premature closure allowed after 5 years for medical/education emergencies.
PPF vs ELSS — which is better for 80C?
PPF: 7.1% tax-free, zero risk, 15-year lock-in, EEE. ELSS (Equity funds): Market-linked returns (historically 12-15%), 3-year lock-in (shortest among 80C options), LTCG tax at 10% above ₹1 lakh. For risk-averse investors: PPF. For wealth creation with higher risk: ELSS. Optimal: Split between both.
Can I open a PPF account for my minor child?
Yes. Parents can open a PPF account for a minor child. However, the combined investment across the parent's account AND the minor's account cannot exceed ₹1.5 lakh per year. Interest earned on the minor's account is clubbed with the parent's income until the child turns 18.