PPF Calculator – Calculate Public Provident Fund Maturity

PPF Calculator India

Calculate your Public Provident Fund maturity amount, interest earned, and tax-free returns. Accurate year-wise PPF schedule with extension options.

Investment Details
₹
Max ₹1.5 Lakhs per financial year.
%
Yrs
Min 15 years. Extendable in blocks of 5 years.
Maturity Analysis
Total Investment
₹0
Maturity Value
₹0
Total Interest
₹0
100% Tax-Free Returns!
PPF is an EEE status scheme. Investment, Interest, and Maturity are all tax-free.
YearOpeningDepositedInterestClosing

About PPF Calculator

Looking for a reliable PPF Calculator India to plan your long-term savings? The Public Provident Fund (PPF) is a government-backed, fixed-income investment scheme that offers guaranteed returns and complete tax exemption. Our advanced Public Provident Fund calculator helps you estimate your maturity corpus, total interest earned, and year-wise growth over the 15-year tenure and beyond. Whether you invest monthly or yearly, understanding your PPF maturity amount is the first step towards a secure financial future.

How the PPF Interest Calculator Works

Our PPF interest calculator uses the official Government of India logic for computation. It takes into account your deposit frequency (monthly or yearly), the current PPF interest rate (currently 7.1%), and the compounding effect over the tenure.

  • PPF calculator monthly investment: If you contribute monthly, interest is calculated on the lowest balance between the 5th and the end of the month.
  • PPF calculator yearly investment: If you contribute a lumpsum, depositing before April 5th maximizes your interest for the entire year.

Understanding PPF Interest Rate & Calculation

Many investors ask, “How is PPF interest calculated?” The rule is simple but critical:

  1. The 5th of the Month Rule: For any month, you earn interest only on the balance maintained by the 5th. Any deposit made after the 5th earns interest starting from the next month. This PPF interest calculation before 5th rule can significantly impact your final corpus.
  2. Compounding: While interest is calculated monthly, it is credited to your account only once a year, on March 31st. This is why our PPF maturity value calculator shows annual interest credits.

PPF Maturity & Extension Rules

A standard PPF account matures in 15 years. However, you can keep the account active indefinitely using our PPF calculator with extension logic.

  • Standard Maturity: Lock-in period of 15 full financial years.
  • Extension: After maturity, you can extend the account in blocks of 5 years. You can choose to extend with fresh contributions or without them. Our PPF extension rules calculator supports durations up to 50 years to simulate retirement scenarios.

Why PPF is the Best Tax-Free Investment (EEE Status)

One of the biggest questions is, “Is PPF tax free?” The answer is a resounding yes. PPF falls under the EEE (Exempt-Exempt-Exempt) status:

  • Investment: Tax deduction under Section 80C (up to ₹1.5 Lakhs).
  • Interest: The interest earned every year is completely tax-free.
  • Maturity: The final withdrawal amount is also tax-free.

This makes it superior to Fixed Deposits (where interest is taxable) for risk-averse investors looking for a tax free investment India.

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Frequently Asked Questions (FAQs)

What is the current PPF Interest Rate?
The current PPF interest rate is 7.1% p.a. (compounded annually). The government reviews this rate every quarter.
How is PPF interest calculated monthly?
PPF interest is calculated on the lowest balance in your account between the 5th and the last day of the month. To maximize returns, you should deposit money before the 5th of every month.
What is the maximum PPF investment limit?
You can invest a minimum of ₹500 and a maximum of ₹1.5 Lakhs per financial year in a PPF account. Investments up to ₹1.5 Lakhs are eligible for tax deduction under Section 80C.
Is PPF tax free?
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) status. The investment amount, the interest earned, and the final maturity amount are all completely tax-free in India.
Can I extend my PPF account after 15 years?
Yes. Once the 15-year maturity period ends, you can extend your PPF account indefinitely in blocks of 5 years. You can choose to extend with or without making fresh contributions.
Can I withdraw money from PPF before maturity?
Partial withdrawals are allowed from the 7th financial year onwards. However, complete withdrawal is only permitted upon maturity after 15 years.
Which is better: Monthly or Yearly PPF investment?
Investing a lumpsum amount between April 1st and April 5th yields the highest interest because your money compounds for the full 12 months. If investing monthly, ensure you deposit by the 5th.

External Resources

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