PPF Calculator
₹
%
Yrs
Total Invested₹15,00,000
Total Interest₹10,32,343
Maturity Value
₹25,32,343
Provident Fund (PPF) Calculator — Overview
A Public Provident Fund (PPF) Calculator helps you compute the maturity value of your PPF investment. PPF is a long-term, government-backed savings scheme in India that offers attractive interest rates and tax benefits.
How is it calculated?
You enter the yearly investment amount and the tenure. The calculator uses the prevailing PPF interest rate (which is set by the government) to project the maturity amount after the standard 15-year lock-in period or any extension.
Frequently Asked Questions
PPF enjoys an Exempt-Exempt-Exempt (EEE) status. This means the amount you invest is eligible for tax deduction under Section 80C (up to ₹1.5 lakh), the interest earned is tax-free, and the maturity amount is also completely tax-free.
Yes, you can avail a loan against your PPF balance between the 3rd and 6th financial year of opening the account. You can also make a partial withdrawal from the 7th financial year onwards for specific reasons like education or medical emergencies.
At maturity, you have three options: 1) Withdraw the entire amount and close the account. 2) Extend the account in blocks of 5 years without making further contributions (the balance will continue to earn interest). 3) Extend the account in blocks of 5 years with new contributions.
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