PPF Calculator

Calculate the maturity value of your Public Provident Fund (PPF) investment with tax benefits under Section 80C.

PPF Investment Details
Enter your yearly PPF contribution
₹500 (Min)₹1,50,000 (Max)
15 years (Min)50 years

Current PPF rate: 7.1% p.a. (Q4 FY 2024-25)

Tax Benefit: Your yearly investment of ₹1.50 L qualifies for Section 80C deduction. You can save up to ₹46,800 in taxes (at 30% slab).

Maturity Amount
₹40.68 L

After 15 years

Total Investment₹22.50 L
Total Interest Earned₹18.18 L
Maturity Value₹40.68 L
Investment vs Returns
Invested (55%)
Interest (45%)

What is PPF (Public Provident Fund)?

PPF is a government-backed savings scheme that offers tax benefits and guaranteed returns. It has EEE (Exempt-Exempt-Exempt) tax status, meaning your investment, interest earned, and maturity amount are all tax-free.

PPF Features

Lock-in Period:
15 years minimum
Investment Limit:
₹500 to ₹1.5 lakh/year
Interest Rate:
7.1% p.a. (reviewed quarterly)
Tax Status:
EEE (fully tax-free)

Benefits of PPF

  • Tax-Free Returns: Interest and maturity amount are completely tax-free
  • Section 80C Benefit: Investment up to ₹1.5 lakh qualifies for tax deduction
  • Government Backing: Sovereign guarantee makes it extremely safe
  • Loan Facility: Take loans against PPF balance from 3rd to 6th year
  • Extension Option: Extend in blocks of 5 years after 15-year maturity

Pro Tip: Invest before 5th of every month to earn interest for that month. PPF interest is calculated on the lowest balance between 5th and end of month.