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PPF Calculator

Calculate Public Provident Fund maturity amount, tax savings and long-term wealth creation

₹
Minimum ₹500, Maximum ₹1,50,000 per year
% p.a.
Current government announced PPF interest rate
Choose your PPF investment scenario
Your income tax slab for calculating tax savings
💡 Popular PPF Plans:
🏛️ PPF Key Features:
  • 📅 Lock-in: 15 years mandatory
  • 💰 Tax Free: EEE (Exempt-Exempt-Exempt)
  • 🎯 80C Deduction: Up to ₹1.5L per year
  • 🏦 Government Backed: 100% safe
  • ⏰ Flexible: Lump sum or installments
📈 PPF Rate History

2024: 8.0%

2023: 8.0%

2022: 7.9%

2021: 7.9%

2020: 8.0%

2019: 8.5%

*Rates declared quarterly by government

PPF Features & Benefits

✅ PPF Advantages

  • 🛡️ Triple Exemption: EEE status (Investment, Growth, Maturity)
  • 🏛️ Government Backing: 100% safe, no risk
  • 💰 80C Deduction: Up to ₹1.5L tax deduction
  • 📈 Compound Growth: Interest compounded annually
  • 💸 Loan Facility: From 3rd to 6th year
  • 🔄 Partial Withdrawal: From 7th year onwards

⚠️ PPF Limitations

  • 🔒 Long Lock-in: 15 years mandatory period
  • 💵 Low Limit: Maximum ₹1.5L per year
  • 🏦 Single Account: One PPF account per person
  • 📉 Rate Risk: Government can change rates
  • 💰 Inflation Risk: Fixed rate may not beat inflation
  • ⏰ Liquidity: Money locked for long term

🎯 PPF Rules & Features

Minimum Deposit: ₹500 per year

Maximum Deposit: ₹1,50,000 per year

Lock-in Period: 15 years from opening

Loan Facility: 25% of balance (3rd-6th year)

Partial Withdrawal: 50% of balance (7th year+)

Extension: 5-year blocks without deposits

💡 PPF Strategy Tips

  • 📅 Early Start: Start young to maximize compounding
  • 💰 Max Contribution: Invest ₹1.5L annually if possible
  • 🗓️ Deposit Timing: Invest early in financial year
  • 👨‍👩‍👧‍👦 Family Account: Open for spouse and kids
  • 🔄 Extension Strategy: Extend for continued tax-free growth
  • 📝 Nomination: Add nominee and keep updated