PPF Calculator
Public Provident Fund — Maturity & Year-wise Growth
7.1% p.a.
🔒 EEE Tax Status — Investment + Interest + Maturity all Tax-Free (Sec 80C)
PPF Details
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15 Years
15 Yrs (Min)50 Yrs (3 Extensions)
Maturity Amount
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Total Invested
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Total Interest
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Wealth Gained
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Tax Saved (30% slab)
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Effective Return
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📊 Growth Breakdown
What is PPF?
Public Provident Fund (PPF) is a government-backed long-term savings scheme offering guaranteed, tax-free returns. It has a lock-in of 15 years and carries the sovereign guarantee of the Government of India — making it one of the safest investments available.
PPF Key Features
The current interest rate is 7.1% p.a. compounded annually. Annual deposits between ₹500 and ₹1,50,000 are allowed. The investment qualifies for Section 80C deduction, and both the interest and maturity amount are completely tax-free (EEE status).
Frequently Asked Questions
What is the current PPF interest rate?▾
The current PPF interest rate is 7.1% per annum (as of Q2 FY 2025-26), compounded annually. The rate is set by the Government of India and reviewed quarterly.
Can I withdraw money from PPF before 15 years?▾
Partial withdrawal is allowed from the 7th financial year onwards. You can withdraw up to 50% of the balance at the end of the 4th year or the preceding year, whichever is lower. Full withdrawal is only allowed at maturity (15 years).
Is PPF interest tax-free?▾
Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. The investment qualifies for 80C deduction, the interest earned is completely tax-free, and the maturity amount is also tax-free.
Can I extend PPF after 15 years?▾
Yes. After maturity, you can extend PPF in blocks of 5 years — with or without contributions. With contributions, you continue earning interest and 80C tax benefits. Without contributions, the balance continues earning interest tax-free.