What is the minimum and maximum PPF investment per year?

The minimum annual PPF investment is ₹500 and the maximum is ₹1,50,000 per financial year.

What is the lock-in period for a PPF account?

PPF has a mandatory lock-in period of 15 years. After maturity, you can extend the account in blocks of 5 years with or without further contributions.

Is PPF interest tax-free?

Yes, PPF falls under the EEE (Exempt-Exempt-Exempt) category. The investment qualifies for deduction under Section 80C, and the interest earned as well as the maturity amount are completely tax-free.

How is PPF interest calculated?

PPF interest is calculated on the minimum balance between the 5th and last day of each month and credited at year-end. To maximize interest, invest before the 5th of April each financial year.

PPF Calculator – Public Provident Fund Calculator India

📊 PPF Calculator EEE Tax-Free

Investment Type

Yearly Investment (₹)

₹

Quick Amounts

Annual Interest Rate (%)

Rate (Govt. set) 7.1%

4%Current: 7.1%12%

Investment Period (Years)

Min 15 years (extendable in 5-yr blocks) 15 Years

15 yrs20 yrs25 yrs30 yrs35 yrs40 yrs45 yrs50 yrs

Total Invested

₹0

Principal Amount

Interest Earned

₹0

100% Tax-Free

Maturity Value

₹0

After 15 Years

Wealth Gain Ratio

0x

Your money grows by this multiple

Effective Annual Return

0%

CAGR on your investment

Interest % of Total

0%

Portion earned as interest

Investment vs Interest Breakdown

Invested

Interest

Total Invested

Interest Earned

Year	Opening Balance	Deposited	Interest Earned	Closing Balance

📖 How to Use This PPF Calculator

1

Choose Investment Type: Select whether you invest yearly (lump sum per year) or monthly (SIP-style monthly deposits into your PPF account.
2

Enter Your Investment Amount: Type in your annual or monthly investment. The maximum is ₹1,50,000 per financial year. Use quick-amount buttons for convenience.
3

Set the Interest Rate: The current government-set rate is 7.1% p.a. Use the slider or preset buttons to explore different scenarios.
4

Select Investment Period: PPF matures after 15 years. You can extend in 5-year blocks. Drag the slider or click preset buttons (15, 20, 25, 30 years).
5

Click Calculate: View your maturity value, total interest earned, and open the year-by-year table to see how your corpus grows annually.

ℹ️ About PPF Calculator

The PPF Calculator (Public Provident Fund Calculator) is a free online tool designed for Indian investors who want to plan their long-term, tax-free savings. The Public Provident Fund is one of India's most trusted government-backed savings schemes, offering guaranteed returns with sovereign security.

Our PPF maturity calculator uses the official compound interest formula to compute your corpus at the end of the investment period. The PPF interest calculator accounts for annual compounding (as mandated by the Government of India) and lets you model different rates and tenures to find the best strategy for your financial goals.

Key benefits of PPF include Section 80C tax deduction on investments up to ₹1.5 lakh per year, tax-free interest, and a tax-free maturity amount — making it a genuine EEE instrument. Whether you're planning for retirement, your child's education, or building a safety net, the PPF scheme remains one of the best long-term investment options in India.

❓ Frequently Asked Questions

What is the current PPF interest rate in India? +

The current PPF interest rate is 7.1% per annum, compounded annually. The rate is reviewed and notified by the Government of India every quarter. It has historically ranged between 7% and 12%. Use our calculator to model different rate scenarios.

What is the minimum and maximum PPF investment limit? +

You must deposit a minimum of ₹500 per financial year to keep your PPF account active. The maximum is ₹1,50,000 per financial year. Exceeding the limit means the excess amount earns no interest and no tax benefit. You can deposit in up to 12 installments per year.

What is the lock-in period for PPF and can I withdraw early? +

PPF has a mandatory 15-year lock-in period. Partial withdrawals are allowed from the 7th financial year onwards (up to 50% of the balance at the end of the 4th preceding year). Premature closure is allowed only in specific cases like life-threatening illness or higher education, subject to a 1% interest penalty.

Is the PPF interest and maturity amount tax-free? +

Yes! PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — the rarest in Indian taxation. This means: (1) Contributions are deductible under Section 80C up to ₹1.5 lakh, (2) Interest earned is completely tax-free, and (3) The maturity amount is fully exempt from income tax. No other common investment instrument offers all three exemptions.

When should I invest in PPF to maximize interest? +

PPF interest is calculated on the minimum balance between the 5th and last day of each month. To maximize your annual interest, deposit your lump sum amount before the 5th of April (start of the financial year). For monthly SIP, ensure each installment reaches the account before the 5th of every month. Depositing after the 5th means you lose that month's interest on that installment.

PPF Calculator 🇮🇳