PPF Calculator
Calculate Public Provident Fund maturity amount and returns
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About PPF Calculator
Public Provident Fund (PPF) is one of the most popular long-term savings schemes in India, backed by the Government of India. It offers attractive interest rates (currently 7.1% per annum) and complete tax exemption under EEE (Exempt-Exempt-Exempt) status. This means your investment, interest earned, and maturity amount are all tax-free. PPF is ideal for retirement planning and long-term wealth creation. You can invest a minimum of ₹500 and maximum of ₹1,50,000 per year. The lock-in period is 15 years, but you can extend it in blocks of 5 years. Partial withdrawals are allowed from the 7th year onwards, making it a flexible yet disciplined savings option for Indian investors.
PPF Calculation Formula
Maturity Amount = Σ (Annual Investment × (1 + r)^remaining years)
Where:
r = Annual Interest Rate (currently 7.1%)
Interest is compounded annually
Example Calculation
Scenario: Invest ₹1,50,000 yearly for 15 years at 7.1% interest
- Yearly Investment: ₹1,50,000
- Tenure: 15 years
- Interest Rate: 7.1% per annum
- Maturity Amount: ₹40,68,209
- Total Investment: ₹22,50,000
- Interest Earned: ₹18,18,209
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Frequently Asked Questions
What is PPF (Public Provident Fund)?
PPF is a long-term savings scheme backed by the Government of India offering attractive interest rates and tax benefits under Section 80C.
What is the minimum and maximum investment in PPF?
Minimum: ₹500 per year, Maximum: ₹1,50,000 per year. You can deposit in lump sum or installments (max 12 per year).
What is the lock-in period for PPF?
PPF has a lock-in period of 15 years. Partial withdrawals are allowed from the 7th year onwards.
Is PPF interest taxable?
No, PPF offers EEE (Exempt-Exempt-Exempt) status. Investment, interest, and maturity amount are all tax-free.
Can I extend my PPF account after 15 years?
Yes, you can extend PPF in blocks of 5 years indefinitely after the initial 15-year period.