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PPF Calculator

Secure your future with the Public Provident Fund. Calculate returns on India's most trusted tax-free investment scheme backed by the Government.

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Calculator Not Available in USD

The Public Provident Fund (PPF) is a specialized savings scheme available only to Indian citizens.

Please switch your currency to INR (₹) to use this tool.

Why is PPF the Best Tax-Saver?

The Public Provident Fund (PPF) is widely regarded as a "must-have" in every Indian portfolio. It is one of the few investment options that enjoys the EEE Status (Exempt-Exempt-Exempt).

  • 1.Investment (Exempt): Your yearly contribution (up to ₹1.5 Lakhs) is tax-deductible under Section 80C.
  • 2.Interest (Exempt): The annual interest earned is not added to your taxable income.
  • 3.Maturity (Exempt): The final amount you withdraw after 15 years is completely tax-free.

Pro Tip: The "5th of the Month" Rule

Interest on PPF is calculated on the minimum balance in your account between the 5th and the last day of the month.

💡 Strategy: Always invest before the 5th of the month. Investing on the 6th means you lose interest for that entire month!

Government Guarantee

PPF is backed by the Sovereign Guarantee of the Government of India, making it virtually risk-free.

Power of Extension

After 15 years, you can extend your account in blocks of 5 years to continue earning tax-free interest.

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Frequently Asked Questions

What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (compounded annually). This rate is reviewed and announced by the Ministry of Finance, Government of India, every quarter.
What is the lock-in period for PPF?
PPF has a mandatory lock-in period of 15 years. However, partial withdrawals are allowed from the 7th financial year onwards under specific conditions like medical emergencies or higher education.
Can I extend my PPF account after 15 years?
Yes. After maturity, you can extend your PPF account in blocks of 5 years indefinitely. You can choose to extend it 'with contribution' (to keep earning interest on fresh deposits) or 'without contribution'.
Is PPF interest taxable?
No. PPF falls under the EEE (Exempt-Exempt-Exempt) category. The investment (up to ₹1.5 Lakh under 80C), the interest earned, and the maturity amount are all 100% tax-free in India.

Disclaimer: Interest rates on PPF are subject to quarterly revision by the Government of India. The calculations here assume the current rate remains constant for estimation purposes.