PPF Calculator

Calculate Public Provident Fund maturity amount, interest earned, and investment planning for 15-year secure returns

PPF Maturity Analysis

₹0.00 Maturity Amount
₹0.00 Interest Earned
0.00% Total Returns
Total Investment: ₹0.00
Interest Component: ₹0.00
Annual Return Rate: 7.10%

Investment Planning

₹0.00 Required Annual Investment
₹0.00 Total Investment
₹0.00 Interest Gain
Monthly Investment: ₹0.00
Target Amount: ₹0.00
Feasibility: --

Extension Benefits

₹0.00 Extended Maturity Amount
₹0.00 Additional Interest
₹0.00 Extension Benefit
Current Balance: ₹0.00
Extended Balance: ₹0.00
Extension Worth: --

How to Use the PPF Calculator

Our comprehensive PPF calculator provides essential tools for Public Provident Fund investment analysis and planning:

💰 Maturity Calculator

Calculate PPF maturity amount from annual investment and interest rate. Formula: M = P[(1+i)^n-1]/i. Current PPF rate is 7.1% per annum compounded annually. Minimum investment ₹500, maximum ₹1.5 lakh per year.

📊 Investment Planning

Determine required annual investment to achieve target maturity amount. Plan your PPF investments based on financial goals and calculate the exact amount needed to build your desired corpus.

⏰ Extension Analysis

Analyze benefits of extending PPF account after 15 years. Compare options of continuing with or without additional contributions. Extensions can be done in blocks of 5 years indefinitely.

PPF Features: 15-year minimum lock-in, tax-free returns, EEE tax status, government backing, no TDS, partial withdrawal after 7th year, loan facility from 3rd to 6th year, nomination facility available.

Frequently Asked Questions

What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum for Q2 FY 2025-26 (July-September 2025). The rate is reviewed quarterly by the Government of India and compounds annually.
What is the minimum and maximum investment in PPF?
Minimum investment is ₹500 per year and maximum is ₹1.5 lakh per year. You can invest in lump sum or in installments, with a maximum of 12 deposits per financial year.
Can I withdraw from PPF before 15 years?
Partial withdrawal up to 50% of balance is allowed from 7th year onwards for specific purposes like education, medical treatment, etc. Full premature closure is only allowed after 5 years with reduced interest rate.
What are the tax benefits of PPF?
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. Investment qualifies for 80C deduction, interest earned is tax-free, and maturity amount is completely tax-free.
Can I extend PPF after 15 years?
Yes, PPF can be extended in blocks of 5 years indefinitely. You can choose to continue with fresh contributions or let existing balance earn interest only. Extension must be applied within one year of maturity.