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PPF Calculator Online Free — Public Provident Fund Returns

Calculate your PPF maturity amount, total interest earned, and year-wise growth. PPF is one of India's safest long-term tax-saving investments backed by the Government of India.

Min ₹500 — Max ₹1,50,000
Min 15 years, extendable in blocks of 5
Current rate: 7.1% p.a. (Q1 2024)
Maturity Amount
—
Total Investment—
Interest Earned—
Wealth Gain Ratio—

Year-wise Breakdown

YearOpening BalanceInvestmentInterestClosing Balance

* Showing first 5 years and final year. Interest is compounded annually.

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How to Use the PPF Calculator

  1. Enter your yearly deposit amount (₹500 to ₹1,50,000).
  2. Set the tenure — minimum 15 years, extendable in 5-year blocks.
  3. Confirm or edit the interest rate (currently 7.1% p.a.).
  4. View total investment, interest earned, maturity amount, and the year-wise table.

Frequently Asked Questions

Public Provident Fund (PPF) is a long-term savings scheme offered by the Government of India through post offices and authorised banks. It provides guaranteed, tax-free returns and is one of the safest investment options available to Indian residents.

The PPF interest rate for Q1 FY2024-25 (April–June 2024) is 7.1% per annum, compounded annually. The rate is set by the Ministry of Finance every quarter and has remained at 7.1% since April 2020.

PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. (1) Deposits qualify for deduction under Section 80C up to ₹1.5 lakh per year. (2) Interest earned is completely tax-free. (3) Maturity proceeds are exempt from income tax. This makes PPF one of the most tax-efficient instruments in India.

Partial withdrawal is allowed from the 7th financial year. You can withdraw up to 50% of the balance at the end of the 4th year or the immediately preceding year, whichever is lower. Premature full closure is allowed only after 5 years in specific cases like medical emergencies or higher education.

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