Public Provident Fund
PPF Calculator
Calculate your PPF maturity amount with 15-year lock-in period. EEE tax benefit, current rate 7.1%, maximum ₹1.5 Lakh annual investment.
Your PPF Investment
₹
Interest rate is set by Government of India quarterly and compounded annually
Investment Tips
Deposit before 5th of month to earn interest for that month
Maximum 12 deposits per year allowed
Interest credited on March 31st every year
Maturity Calculation
Maturity Amount (After 15 years)
₹0
Completely Tax-Free (EEE Status)
Total Invested
₹0
Total Interest
₹0
EEE Status: Contribution, Interest, and Maturity - all are completely tax-free under Section 80C and Section 10.
Annual Tax Benefits
Section 80C Deduction
₹0
Tax Saved (30% bracket)₹0
Tax Saved (20% bracket)₹0
Lifetime Tax Savings: Interest earned (₹0) is completely tax-free, unlike FD or other investments where interest is taxable.
Withdrawal & Loan Facilities
Partial Withdrawal (After 6 Years)
Up to ₹0
50% of balance at end of 4th preceding year
Loan Facility (3rd to 6th Year)
Up to ₹0
25% of balance 2 years ago. Loan must be repaid within 36 months
PPF Rules & Regulations
Investment Limits
Minimum: ₹500 per year (to keep account active)
Maximum: ₹1,50,000 per financial year
Deposits allowed: Maximum 12 times per year
Penalty: ₹50/year if minimum not deposited
Lock-in Period
Mandatory 15 years from end of FY of opening
Premature closure after 5 years (specific reasons only)
Extension allowed in blocks of 5 years after 15 years
Can continue without deposits after 15 years
Tax Benefits (EEE)
Exempt: Contribution under Section 80C (max ₹1.5L)
Exempt: Interest earned is completely tax-free
Exempt: Maturity amount is tax-free (Section 10)
Available in both Old and New tax regime
Interest Calculation
Calculated on lowest balance between 5th and last day
Compounded annually and credited on March 31
Rate set by Govt quarterly (current: 7.1% p.a.)
Deposit before 5th of month to earn interest
Smart Financial Planning for Your Employees
Our HRMS helps employees plan their retirement savings with automated PPF tracking, EPF management, NPS calculations, and comprehensive tax planning tools.