Planning for the future is essential, and one of the most secure ways to build your savings is through a Public Provident Fund (PPF). This PPF Calculator is a simple, user friendly and effective tool designed to help you estimate the growth of your investment over time. With just a few inputs like your annual deposit, the number of years you plan to invest, and the prevailing interest rate you will find the estimated earnings on your corpus.
Public Provident Fund (PPF) Calculator
Calculate maturity amount for your PPF investments with latest interest rates
PPF Key Features (2024-25)
- Current Interest Rate: 7.1% per annum (compounded annually)
- Investment Limit: ₹500 to ₹1.5 lakh per financial year
- Lock-in Period: 15 years (extendable in blocks of 5 years)
- Tax Benefits: EEE (Exempt-Exempt-Exempt) status under Section 80C
- Risk-Free: Government-backed, sovereign guarantee
- Partial Withdrawal: Allowed from 7th year (up to 50% of balance)
PPF Interest Calculation Rules
- Interest is calculated monthly but credited annually at the end of the financial year
- Deposits before the 5th of the month earn interest for that entire month
- Minimum balance for interest calculation is the balance between 5th and last day of month
- No interest is paid on amounts withdrawn during the year
This tool provides a user-friendly way for individuals to plan their PPF investments and visualize their long-term savings potential! It also give you a clear picture of your savings breakdown—making planning and understanding your finances easier than ever.
Whether you're a beginner or a seasoned saver, this tool is here to show you how your small, consistent contributions can grow into a significant retirement fund or long-term savings goal, all tax-free under Indian PPF rules.