PPF Calculator
Calculate your Public Provident Fund (PPF) maturity amount, interest earned, and investment growth with our advanced calculator
Investment Details
Projected Results
Total Investment
₹12,50,000
Total Interest
₹18,37,500
Maturity Value
₹30,87,500
Growth Over Time
About Public Provident Fund (PPF)
What is PPF?
The Public Provident Fund (PPF) is a long-term savings scheme established by the Indian government to help individuals save for retirement while offering attractive interest rates and tax benefits.
Key features:
- 15-year maturity period (extendable in 5-year blocks)
- Tax benefits under Section 80C
- Currently offers 7.1% interest (compounded annually)
- Maximum annual investment limit of ₹1.5 lakh
Tax Benefits
PPF offers triple tax benefits under the Exempt-Exempt-Exempt (EEE) category:
- Investment: Deductions under Section 80C up to ₹1.5 lakh per year
- Interest: Entire interest earned is tax-free
- Maturity: Complete amount at maturity is tax-free
This makes PPF one of the most tax-efficient investment options available in India.
Investment Tips
- Start early to maximize compounding benefits
- Invest before the 5th of each month to earn interest for that month
- Consider maximizing your annual investment (₹1.5 lakh)
- Extend your account beyond 15 years to continue earning tax-free interest
- Use PPF as part of a diversified retirement portfolio
PPF is ideal for conservative investors seeking stable, risk-free returns.