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PPF Calculator

Calculate your Public Provident Fund maturity amount, year-wise interest, partial withdrawal eligibility — all in one place.

📢 Current PPF Rate: 7.1% p.a.
Compounded annually · Interest credited on 31st March ✓ EEE — Triple Tax Exempt
📋 Investment Details
Investment Frequency
Yearly Investment ₹1,50,000
₹ per year
₹500₹1.5L (Max)
Interest Rate 7.1%
% per year
4%12%
Time Period 15 Years
⏳ years
15 yrs (Min)50 yrs
🔄 Account Extension
After 15 years, PPF can be extended in blocks of 5 years
Maturity Amount
₹0
✓ Tax-Free ✓ Government Backed ✓ 80C Benefit
₹0
Total Invested
₹0
Interest Earned
₹0
Maturity Value
0x
Wealth Multiple
0%
Absolute Return
₹0
Tax Saved (30%)
💹 Breakup
0%
Returns
Invested
₹0
Interest
₹0
Maturity
₹0
📊 Year-wise Growth
Deposited
Interest
💸 Partial Withdrawal Calculator
Available from Year 7 onwards (50% of balance)
Withdraw in Year
# yr
Amount to Withdraw
₹
📋 Withdrawal Details
₹0
Balance at Year
₹0
Max Withdrawable
₹0
Balance After WD
📋 Year-wise Breakdown
Year Opening Balance Deposit Interest Earned Closing Balance Interest %
About PPF
🏛️
Government Backed
PPF is a Government of India backed savings scheme — your investment is 100% safe with sovereign guarantee.
🔒
Triple Tax Exempt (EEE)
Investment qualifies for 80C deduction, interest is tax-free, and maturity amount is completely tax-free.
💰
Deposit Limits
Minimum ₹500/year to maximum ₹1,50,000/year. Deposits can be made in lump sum or up to 12 installments.
🔄
Extension Option
After 15-year lock-in, extend in 5-year blocks — with or without fresh contributions. Interest keeps growing.
FAQ
When is PPF interest calculated and credited? ▾
PPF interest is calculated on the minimum balance between the 5th and last day of each month. It is compounded annually and credited to your account on 31st March every year. To maximize returns, always deposit before the 5th of every month.
Can I withdraw from PPF before maturity? ▾
Partial withdrawal is allowed from Year 7 onwards. You can withdraw up to 50% of the balance at the end of Year 4 or Year 6 (whichever is lower). Only one withdrawal is allowed per financial year. Full premature closure is allowed only under specific conditions like medical emergencies or education.
What happens if I miss a year's deposit? ▾
If you don't deposit the minimum ₹500 in a financial year, your PPF account becomes inactive. You can reactivate it by paying ₹50 penalty per defaulted year plus the minimum ₹500 deposit for each such year.
Is PPF better than FD or ELSS? ▾
PPF offers guaranteed tax-free returns (currently 7.1%) with sovereign guarantee — better than most FDs on post-tax basis. ELSS has potential for higher returns but carries market risk. PPF is ideal for conservative, long-term wealth building with zero risk.