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Estimate your Public Provident Fund maturity amount, yearly interest, and total investment growth.
⚠️ Calculations are approximate and for illustration purposes only.
Maximize your Public Provident Fund returns with India's most trusted tax-free savings scheme. Plan your 15-year journey to build substantial wealth with government-backed security and guaranteed returns.
PPF offers Exempt-Exempt-Exempt tax benefits — the best in India:
PPF is 100% government-guaranteed with zero market risk. Interest rate is declared quarterly by the government — currently offering competitive returns that often beat inflation. Unlike market investments, your principal and returns are completely secure, making it ideal for conservative investors and retirement planning.
Maximum ₹1.5L per year — invest before 5th of any month to earn interest for the entire month. Minimum ₹500 annually to keep account active. Pro tip: Invest in the first week of April to earn interest for the entire financial year on your contribution.
After 3 years: You can take a loan up to 25% of your PPF balance at just 1% interest above the prevailing PPF rate.
After 6 years: You can withdraw up to 50% of your balance for purposes like education or medical needs.
These features offer liquidity while still promoting disciplined, long-term wealth creation.
Continue earning tax-free interest by extending your PPF in 5-year blocks. Choose to contribute or just let existing money grow. Many investors extend multiple times to build retirement corpus of ₹1+ crore through the power of long-term compounding.
₹1.5L annual investment for 15 years = ₹22.5L invested. At 7.1% interest, your maturity value = ₹40+ lakhs (tax-free). That's ₹18+ lakhs of pure tax-free gains! Extend for another 15 years and reach ₹1.5+ crore.
PPF (Public Provident Fund) is a government-backed savings scheme that offers tax-free interest and guaranteed returns. It’s ideal for individuals looking for safe, long-term investments.
PPF has a 15-year lock-in period. After maturity, you can extend it in blocks of 5 years, with or without further contributions.
Minimum deposit is ₹500/year and maximum ₹1.5 lakh/year. Deposits can be made in one lump sum or in installments throughout the year.
Interest is calculated monthly on the lowest balance between the 5th and the last day of each month and credited annually to your PPF account.
Partial withdrawals are allowed from the 7th financial year. Loans can be availed from the 3rd to 6th year of account opening.
The account becomes inactive. You can reactivate it by paying ₹50 penalty per missed year plus ₹500 minimum deposit for each missed year.
Yes. A parent or guardian can open a PPF account on behalf of a minor child. However, only one account is allowed per person.
NRIs cannot open new PPF accounts. However, if you become an NRI after opening an account, you can continue it until maturity but not extend it further.
Yes, PPF enjoys Exempt-Exempt-Exempt (EEE) status — deposits, interest, and maturity proceeds are all tax-free.