PPF is a government-backed savings scheme with 15-year lock-in, 7.1% p.a. interest rate, and EEE tax status — deposits, interest, and maturity are all tax-free.

Can I extend PPF after 15 years?

Yes. PPF can be extended in 5-year blocks indefinitely, with or without continued contributions.

Government Backed · Tax-Free · Safe Investment

PPF Calculator —
Safe, Tax-Free Wealth

Calculate your PPF maturity amount with the current 7.1% p.a. interest rate. PPF is one of India's safest, fully tax-free investment options. This calculator is built for Indian investors and taxpayers using the latest rules from the Income Tax Act, SEBI regulations, EPFO guidelines, and RBI circulars applicable for FY 2025-26. All results update instantly in your browser with no data transmitted to our servers. Use the inputs to model your specific scenario, then compare against the current year limits and rates shown on the Income Tax Department portal at incometax.gov.in. This calculator follows the exact mathematical formulas prescribed by the Income Tax Act, SEBI regulations, EPFO guidelines, RBI circulars, and AMFI rules for FY 2025-26. Results update instantly in your browser. No data is stored or transmitted. Use these results as a planning baseline and consult a SEBI-registered investment adviser or Chartered Accountant for decisions involving significant amounts. The most accurate and current tax rates are available on the Income Tax Department portal at incometax.gov.in and the GST portal at gst.gov.in. Understanding the precise mechanics of this calculation enables better financial decisions. Every input variable has a different sensitivity — some inputs change the result dramatically while others have minimal impact. For investment calculators, the return rate assumption is the most sensitive variable. For tax calculators, your filing status and deductions matter most. For loan calculators, the interest rate and tenure interact to determine total cost. Running multiple scenarios with conservative, realistic, and optimistic assumptions gives a range of outcomes rather than a single number, which is the foundation of sound financial planning.

Current Interest Rate

7.1% p.a.

Lock-In Period

15 Years

Annual Limit

₹1.5 Lac

Minimum Deposit

₹500/yr

Tax Benefit

EEE Status

Extensions

5 yrs each

PPF Investment Details

Yearly Investment

₹50,000

₹500₹1.5 Lac

PPF Interest Rate

7.1% p.a.

6%10%

Investment Period

15 yrs

15 yrs50 yrs

EEE Tax Status — Triple Tax Benefit

✓ Deposit exempt under Sec 80C · ✓ Interest tax-free · ✓ Maturity amount tax-free

PPF Maturity Amount

₹0

fully tax-free

Total Deposited

₹0

Interest Earned

₹0

Growth Multiple

Effective Tax Saving

₹0

Deposited vs Interest0%

Deposited Interest

PPF Balance Growth

Year-by-Year PPF Balance

Year	Opening Balance (₹)	Deposit (₹)	Interest Earned (₹)	Closing Balance (₹)

PPF — Frequently Asked Questions

What is PPF and how does it work?+

Public Provident Fund (PPF) is a government-backed long-term savings scheme in India with a 15-year lock-in period. You can deposit between ₹500 and ₹1.5 lakhs per year. The interest rate (currently 7.1% p.a.) is set by the government quarterly. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: deposits are tax-deductible under Section 80C, interest is tax-free, and the maturity amount is completely tax-free.

What is the best time to deposit in PPF each year?+

Deposit before the 5th of April every year to earn interest for the full year. PPF interest is calculated on the minimum balance between the 5th and the last day of each month. Depositing on April 1st–4th maximises your annual interest. Depositing after April 5th means you lose one month of interest on that amount. This timing tip alone can add thousands to your final corpus over 15+ years.

Can I withdraw from PPF before 15 years?+

Partial withdrawals from PPF are allowed from the 7th year onwards — up to 50% of the balance at the end of the 4th year or the immediately preceding year, whichever is lower. Full premature closure is allowed only after 5 years in specific cases (medical emergency, higher education). Premature closure before 5 years is not permitted. Loans against PPF balance are available from the 3rd to 6th year at low interest rates.

Can I extend my PPF account after 15 years?+

Yes. After the 15-year maturity, you can extend PPF in blocks of 5 years, indefinitely. You can extend with continued contributions (same ₹1.5 lakh annual limit applies) or without contributions (balance continues to earn interest). Extensions must be requested within 1 year of maturity. Many long-term investors use PPF for 20–30 years, and the compounding over this extended period produces outstanding tax-free returns.

Is PPF better than FD or SIP?+

PPF, FD, and SIP serve different purposes. PPF (7.1% tax-free) is best for conservative, long-term, tax-efficient savings — its effective post-tax yield is equivalent to a taxable FD at ~10%. FDs offer liquidity but returns are fully taxable. Equity SIP (12–15% expected) offers the highest long-term returns but with market risk. For most investors, PPF should be part of a balanced portfolio: max out PPF first for the tax benefit, then invest additional savings in SIP for higher growth.