🏭 PPF Calculator

What is PPF?

PPF (Public Provident Fund) is one of India's most popular long-term savings schemes, backed by the Government of India. It offers guaranteed, tax-free returns and is considered one of the safest investment options available. Our PPF calculator online helps you estimate the maturity amount, total interest earned, and year-by-year balance for your PPF account.

Key Features of PPF Account

• Lock-in Period: 15 years (extendable in blocks of 5 years)
• Minimum Investment: Rs. 500 per year
• Maximum Investment: Rs. 1,50,000 per year
• Interest Rate: Set quarterly by government (recently around 7.1%)
• Tax Benefit: EEE status — investment, interest, and maturity all tax-free
• Loan Facility: Available from 3rd to 6th year against PPF balance

PPF Interest Calculation

PPF interest is calculated on the lowest balance between the 5th and last day of each month. To maximize returns, always deposit before the 5th of the month. Interest is credited annually on March 31st. Investing the maximum Rs. 1.5 lakh at the beginning of each financial year (April) gives you more interest than investing it at the end.

PPF Partial Withdrawal Rules

You can make one partial withdrawal per year from the 7th financial year onwards. The maximum withdrawal is 50% of the balance at the end of the 4th year or 50% of the balance at the end of the preceding year, whichever is lower. These withdrawals are completely tax-free and do not affect the lock-in period.

PPF vs FD vs Mutual Fund — Which is Better?

PPF offers guaranteed, tax-free returns with government backing — ideal for conservative investors. FDs offer fixed returns but interest is taxable. Equity mutual funds offer potentially higher returns (10-15%) but with market risk. For a balanced approach, financial advisors often recommend PPF for the debt portion of your portfolio alongside equity mutual funds for long-term wealth creation.