About the PPF Calculator
The Public Provident Fund (PPF) is a government-backed, long-term savings scheme with a 15-year lock-in, annual compounding and tax benefits. This calculator estimates the maturity value from your yearly contribution, the interest rate and the tenure.
Why PPF is popular
PPF offers capital safety (sovereign backing), tax-free interest and deduction eligibility under Section 80C — the returns are exempt-exempt-exempt (EEE). It suits conservative, long-term goals like retirement.
- Lock-in: 15 years, extendable in blocks of 5.
- Limit: up to ₹1.5 lakh per financial year.
- Compounding: annual, on the balance.
PPF in your plan
PPF is a strong debt anchor for a long-term portfolio. Many investors pair it with market-linked investments such as ELSS or equity funds for growth, using PPF for stability and tax-free accumulation.
PPF Calculator — frequently asked questions
What is the PPF interest rate?
The government sets the PPF rate each quarter. Use the slider to model different rates; the calculator compounds annually on the running balance.
Is PPF tax-free?
Yes — PPF enjoys EEE status: contributions are eligible under Section 80C (old regime), and both the interest and maturity amount are tax-free.
What is the PPF lock-in?
PPF has a 15-year maturity, with partial withdrawals allowed from the 7th year and extensions in 5-year blocks thereafter.