Post Office Public Provident Fund (PPF) Calculator
Calculate returns for PPF with monthly investment. Plan your retirement with India's most trusted tax-free savings scheme.
Calculate PPF Maturity
Enter Investment Details
Max ₹12,500/month (Total ₹1.5L/Year).
About Public Provident Fund (PPF)
PPF is a safe, government-backed long-term savings scheme offering tax-free returns, making it one of the most popular investment instruments in India for retirement planning and wealth creation.
Eligibility & Key Rules
| Who Can Open? | Any Indian resident individual |
| Minor Account | Guardian can open on behalf of minor |
| Max Accounts | Only 1 PPF account per person |
| Minimum Deposit | ₹500 per year |
| Maximum Deposit | ₹1,50,000 per year (₹12,500/month) |
| Interest Rate | 7.1% p.a. (subject to quarterly revision) |
| Lock-in Period | 15 Years (extendable in 5-year blocks) |
Tax Benefits (EEE)
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status under the Income Tax Act:
- Investment: Deduction up to ₹1.5 Lakh per year under Sec 80C.
- Interest: Fully tax-free as it accrues every year.
- Maturity: The entire maturity amount is completely tax-free.
Key Features
- Loan Facility: Loan available from 3rd to 6th year against PPF balance.
- Partial Withdrawal: Allowed from the 7th year onwards (once per year).
- Extension: After 15 years, account can be extended in 5-year blocks.
- Interest Calculation: Calculated on lowest balance between 5th and last day of each month.
- Safe Investment: Backed by the Government of India — zero risk.
Example Calculation (₹5,000/month at 7.1%)
| Monthly Deposit | ₹5,000 |
| Total Invested (15 yrs) | ₹9,00,000 |
| Maturity Value (15 yrs) | ≈ ₹16,27,284 |
| Total Interest Earned | ≈ ₹7,27,284 |
* Calculations are based on the current interest rate of 7.1% p.a. Actual returns may vary as the government revises rates quarterly. Interest is assumed to be credited annually at year end.