PPF Calculator
Calculate Public Provident Fund maturity amount with 7.1% p.a. interest and 15-year maturity.
Disclaimer
Interest rate shown is current rate (Q1 FY 2024-25). Government updates rates quarterly, so future rates may differ.
PPF - Safe & Tax-Free Returns
Public Provident Fund offers guaranteed returns with full tax benefits.
Government Backed
Safe, guaranteed 7.1% interest (reviewed quarterly)
Tax-Free Returns
Complete tax exemption under Section 80C
Flexible Withdrawals
Partial withdrawal from 7th year, full maturity at 15 years
Pro Tips
- Min ₹500/year, Max ₹1,50,000/year investment
- Interest rate revised quarterly by government
- Can extend for 5-year blocks after maturity
- Loan facility available against PPF balance
Quick Example
Important Notes
• PPF is fully government-backed - 100% safe investment
• Section 80C deduction: Can contribute up to ₹1.5L/year and claim full deduction
• Maturity: 15 years from first deposit, then can extend in 5-year blocks
• Partial Withdrawal: From 7th year onwards, up to 50% of balance
• Interest is compounded annually and fully tax-free
Frequently Asked
How much can I invest in PPF annually?
Minimum ₹500 per year, maximum ₹1,50,000 per year. You can make lump sum or monthly deposits.
Is PPF interest taxable?
No, PPF interest is completely tax-free. Principal and interest both fall under Section 80C exemption.
Can I withdraw money before maturity?
Partial withdrawal allowed from 7th year (50% of balance). Full withdrawal after 15 years maturity.
What's the current interest rate?
7.1% p.a. (as of Q1 FY 2024-25). Rates are revised quarterly based on government decision.
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