PPF Calculator
Public Provident Fund Calculator - Build Your Retirement Corpus
What is Public Provident Fund (PPF)?
PPF is a long-term government savings scheme with 7.1% tax-free interest (compounded annually), 15-year lock-in, and Section 80C benefits up to ₹1.5L. Ideal for retirement planning and tax savings. Can be extended after maturity.
Quick Presets:
Enter Details
Min: ₹500 | Max: ₹1,50,000 per year
Minimum 15 years, can extend in blocks of 5 years
Current govt. rate: 7.1% (Q4 2024-25)
Key Rules
Lock-in: 15 years (can extend by 5-year blocks)
Partial Withdrawal: After 7 years (up to 50%)
Loan: Available from 3rd to 6th year
Tax Benefit: Triple exempt (EEE)
Enter details to see results
How to Use This Calculator
- 1 Enter Annual Contribution: Choose your yearly PPF deposit (₹500 to ₹1,50,000)
- 2 Select Investment Period: Minimum 15 years (can extend in 5-year blocks)
- 3 Review Interest Rate: Current rate is 7.1% p.a. (revised quarterly by government)
- 4 View Results: See maturity value, tax benefits, and withdrawal options
Key Features of PPF
Triple Tax Benefit (EEE)
Deposits, interest, maturity - all tax-free
Guaranteed Returns
7.1% p.a. government-backed, risk-free
Loan Facility
Borrow against PPF from 3rd to 6th year
Partial Withdrawal
Up to 50% after 7 years for emergencies
Extension Option
Extend after 15 years in 5-year blocks
Flexible Deposits
Lump sum or monthly (max 12 deposits/year)
Frequently Asked Questions
How many PPF accounts can I have?
Only ONE PPF account per individual. You cannot have multiple PPF accounts. Opening a second account can lead to closure with no interest on the second account.
Can I skip deposits in some years?
Yes, but minimum ₹500 annual deposit is required to keep the account active. If you skip, the account becomes inactive. You can reactivate by paying ₹50 penalty per year plus minimum deposit.
How does the loan facility work?
From 3rd to 6th year, you can take a loan up to 25% of the balance at the end of 2nd year. Interest rate is 1% higher than PPF rate. Loan must be repaid within 36 months.
Can I open PPF for my child?
Yes, you can open a PPF account on behalf of your minor child. Combined contribution in your account and child's account cannot exceed ₹1.5L. Child can operate account after turning 18.
Where can I open a PPF account?
PPF accounts can be opened at any post office or authorized bank branches (SBI, HDFC, ICICI, Axis, PNB, etc.). Both offer same interest rates and benefits.
Real-Life PPF Examples
1 Conservative Plan - ₹50,000 Annual Deposit
Scenario: Amit, 30, starts PPF for retirement with ₹50,000 yearly deposit.
Ideal for risk-free retirement planning with guaranteed government-backed returns
2 Maximum Benefit - ₹1.5 Lakh Annual Deposit
Scenario: Sunita, 35, maximizes PPF contributions for 15 years.
Build a 40+ lakh retirement corpus with complete tax exemption!
3 Extension Strategy - ₹1.5L for 20 years
Scenario: After 15 years, extending PPF for 5 more years with deposits.
Power of extension - cross 60 lakhs with just 5 more years!
PPF vs Other Investment Options
| Feature | PPF | SSY | SIP/Mutual Funds |
|---|---|---|---|
| Interest Rate | 7.1% (Fixed) | 8.2% (Fixed) | 10-15% (Variable) |
| Risk Level | Zero (Govt Backed) | Zero (Govt Backed) | Market Risk |
| Tax Benefit | EEE (Triple) | EEE (Triple) | Only Principal (80C) |
| Lock-in Period | 15 years (extendable) | 21 years | None (except ELSS) |
| Liquidity | Partial (after 7 yrs) + Loan | Partial (at 18 yrs) | Full anytime |
| Best For | Risk-Free Retirement | Girl Child Future | Wealth Creation |
*Interest rates as of Q4 2024-25. PPF and SSY rates are revised quarterly by the Government of India.
PPF Loan & Withdrawal Rules
Loan Facility (Year 3-6)
- Available from 3rd to 6th year
- Up to 25% of balance (end of 2nd year)
- Interest: PPF rate + 1%
- Repayment: Within 36 months
- Only one active loan at a time
Partial Withdrawal (After Year 7)
- Available from 7th year onwards
- Up to 50% of balance (4 years prior)
- One withdrawal per year allowed
- For specified purposes (education, medical, etc.)
- Tax-free withdrawal
Why Use Our PPF Calculator?
Accurate Compound Interest
Precise PPF calculations using official government formula with annual compounding
Current Interest Rates
Updated with Q4 2024-25 rate (7.1%), adjustable for different scenarios
Extension Planning
See how extending PPF beyond 15 years grows your retirement corpus
Tax Savings Calculator
Instant calculation of Section 80C deductions and total tax benefits
Withdrawal & Loan Calculator
Calculate partial withdrawal (after 7 years) and loan eligibility (year 3-6)
100% Free & Private
No signup, no tracking - all calculations done locally in your browser
About Public Provident Fund Calculator
Our PPF Calculator is the most comprehensive and accurate Public Provident Fund calculator available for Indian investors in 2025. This retirement planning tool helps you calculate exact maturity values, Section 80C tax benefits, partial withdrawal amounts, and loan eligibility with precision.
The Public Provident Fund is India's most popular long-term savings scheme, offering guaranteed 7.1% annual interest with triple tax exemption (EEE). With our PPF maturity calculator, you can plan deposits from ₹500 to ₹1,50,000 annually and visualize how your retirement corpus grows over 15 years or beyond with extensions.
Unlike market-linked investments, PPF offers 100% government-backed safety with predictable returns, making it ideal for retirement planning, children's education, or building a financial safety net. Our calculator shows detailed breakdowns including loan facility (years 3-6), partial withdrawals (after 7 years), and the impact of account extensions.
Start planning your retirement today with our free PPF calculator. Compare scenarios, understand the power of compounding, and make informed decisions. Also explore our SSY Calculator for girl child planning or SIP Calculator for higher-return market investments.