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by SEBI Registered Research Analysts

PPF Calculator

Compute your Public Provident Fund returns, long-term compounding and tax-efficient maturity outcomes in the same polished style as our main tools experience.

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PPF Calculator

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PPF Parameters

Compounded

PPF has a mandatory 15-year lock-in. Minimum ₹500/yr, maximum ₹1.5L/yr. Interest is tax-free under Section 80C.
Yearly Investment
₹500₹1.5 L
Interest Rate (p.a.)
5%12%
Tenure (Years)
15 Yr50 Yr
Total Invested
—
Interest Earned
—
Effective Yield
—
Wealth Multiple
—
PPF Balance Growth Over Time

What is PPF?

The Public Provident Fund (PPF) is a long-term government-backed savings scheme in India. It offers guaranteed returns, full tax exemption under EEE status (exempt at investment, interest, and maturity), and is ideal for risk-averse investors with a long horizon.

Formula used (annual compounding):

F = P × {[(1 + i)n − 1] / i} × (1 + i)

Where P = yearly deposit, i = annual interest rate, n = tenure in years.

Maturity Value

₹0
investing ₹1.5L/yr for 15 years at 7.1%
Total Invested
₹0
Interest Earned
₹0
Total Value
₹0
Year-by-Year Growth
YearDepositedBalance

Frequently Asked Questions

Common questions about Public Provident Fund investments

The PPF interest rate is set by the Government of India and reviewed every quarter. For the latest official rate, refer to the National Savings Institute website.
PPF has a mandatory 15-year lock-in period. After maturity, you can extend the account in 5-year blocks indefinitely — with or without further contributions. Partial withdrawals (up to 50% of the balance) are allowed from the 7th financial year onwards.
Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. Annual deposits up to ₹1.5 lakh qualify for deduction under Section 80C, the interest earned each year is fully exempt from income tax, and the entire maturity amount is also tax-free — making it one of the most tax-efficient long-term instruments in India.
The maximum deposit is ₹1,50,000 per financial year. The minimum is ₹500 per year. Deposits can be made in a lump sum or up to 12 instalments per year. Deposits made before the 5th of each month earn interest for that month; deposits after the 5th earn interest only from the next month.
No. NRIs cannot open new PPF accounts. If a resident Indian becomes an NRI after opening a PPF account, they may continue operating it until the original 15-year maturity at the standard interest rate, but cannot extend the account beyond 15 years. Accounts must be closed at maturity once the holder becomes an NRI.
Disclaimer

This calculator is provided by Kalkine Consultancy India Private Limited for educational and illustrative purposes only. The output is based solely on assumptions entered by the user and should not be construed as investment advice, research recommendation, product recommendation, offer, solicitation, return assurance or guarantee. Actual outcomes may vary due to market conditions, interest-rate changes, fees, taxes, product terms and investor-specific circumstances. Kalkine is registered with SEBI as a Research Analyst; SEBI registration does not guarantee performance or provide any assurance of returns to investors. Kalkine Consultancy India Private Limited is registered with SEBI as a Research Analyst. SEBI registration does not imply approval of this calculator, guarantee of accuracy, or assurance of returns.

SEBI Registered · INH000017727

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