PPF Calculator
15-year tax-free wealth — see your PPF maturity value
Max ₹1.5L/year. Deposit before Apr 5 to earn full-year interest.
Govt announces quarterly. Currently 7.1% (Oct 2024)
5-Year Extension Blocks (after 15 yrs)
Tax Slab (for savings estimate)
PPF Growth — 15 Years at 7.1%
Key Milestones
Loan eligibility (3rd–6th yr)
25% of balance at end of 2nd year
₹83,177
Partial withdrawal (from 7th yr)
50% of balance at end of 4th year
₹3.57 L
Annual 80C tax saving
At 30% slab on ₹1,50,000 deposit
₹45,000
15-year maturity
Tax-free, EEE instrument
₹40.68 L
PPF Rules & Tips
→ EEE: deposit (80C up to ₹1.5L), interest accrual, and maturity are all 100% tax-free.
→ Deposit before April 5 to earn interest for the full year. Interest is calculated on minimum balance between 5th and end of month.
→ PPF account cannot be prematurely closed (except in specific hardship cases after 5 years).
→ NRIs cannot open new PPF accounts. Existing accounts can continue till maturity.
→ Extension in 5-year blocks: with deposits (continues earning 80C) or without deposits (balance earns interest).
Diversify beyond PPF — book a high-yield FD too.
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FAQ
PPF Calculator — FAQ
Common questions about this calculator
7.1% per annum, compounded annually.
Calculations are approximate and for educational purposes only. Excludes surcharge for income above ₹50L. Consult a Chartered Accountant for personalised tax advice.