PPF Calculator
Public Provident Fund — tax-free government-backed savings scheme
Enter Details
₹
Max ₹1,50,000 per year
% p.a.
Current rate: 7.1% (Q1 FY 2025-26)
Minimum 15 years, extendable in blocks of 5
Results
🏛️
Enter your details and click Calculate.
Formula
Each year's contribution compounds at the declared rate (currently 7.1% p.a.) Total interest = Maturity − total contributions
- Annual contribution (₹) — ₹500 minimum, ₹1.5 L maximum per year
- Rate (% p.a.) — Government-declared (currently 7.1%)
- Tenure (years) — 15 years minimum, extendable in 5-year blocks
Example: ₹1,50,000/year for 15 years at 7.1% → Maturity ≈ ₹40.7 L
Interpreting Your Result
EEE tax status
Exempt–Exempt–Exempt
Contribution (Sec 80C), interest, and maturity are all tax-free
Frequently Asked Questions
Can I withdraw PPF before 15 years?
Partial withdrawal is allowed from Year 7. Full premature closure is permitted after 5 years under specific conditions.
Is the PPF rate fixed?
No. The government revises it quarterly. The current rate (7.1%) applies to the full balance, not just new contributions.