🇮🇳 India PPF Calculator
Calculate PPF (Public Provident Fund) returns with tax benefits under Section 80C in India.
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Max ₹12,500/month
Min 15 years
Current rate 7.1%
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What is PPF?
Public Provident Fund (PPF) is a popular long-term investment option backed by the Government of India. It offers guaranteed returns, tax benefits, and capital safety. It is an ideal instrument for retirement planning and long-term financial goals due to its Exempt-Exempt-Exempt (EEE) tax status.
Key Features
Lock-in Period
15 years mandatory lock-in. Can be extended in blocks of 5 years.
Investment Limits
Minimum ₹500/year, Maximum ₹1.5 Lakh/year.
Tax Free
Interest earned and maturity amount are completely tax-free u/s 10(10D).
PPF vs EPF vs FD
| Feature | PPF | EPF | Fixed Deposit |
|---|---|---|---|
| Returns | 7.1% (Guaranteed) | 8.25% | 6.5% - 7.5% |
| Taxability | Tax-Free (EEE) | Tax-Free (cond.) | Taxable |
| Lock-in | 15 Years | Retirement | Fixed Tenure |
| Risk | Risk-Free (Govt) | Low | Low |
Frequently Asked Questions
Who can open a PPF account?
Any resident Indian citizen can open a PPF account. NRIs cannot open new accounts but can continue existing ones. It can also be opened on behalf of a minor.
When should I deposit money in PPF?
It is best to deposit money between the 1st and 5th of any month. Interest is calculated on the lowest balance between the 5th and the end of the month, so depositing before the 5th maximizes your interest.
Can I withdraw money before 15 years?
Partial withdrawals are allowed from the 7th financial year onward. You can also take a loan against your PPF balance between the 3rd and 6th year.
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