All CalculatorsPPF Calculator
Calculate your PPF maturity amount with year-by-year balance growth. Current rate: 7.1% p.a. EEE tax-free status.
Min ₹500 / Max ₹1.5L per year
Minimum lock-in: 15 years (extendable in 5-yr blocks)
Current: 7.1% (Q1 2025, govt-declared)
Maturity Amount
₹40.68 L
After 15 years at 7.1%
Summary
Balance Growth Over 15 Years
PPF is one of the few investments in India with "EEE" (Exempt-Exempt-Exempt) status: (1) Investment: deductible under 80C up to ₹1.5L, (2) Interest: fully tax-free unlike FDs, (3) Maturity: completely tax-free. At 7.1% post-tax vs FD post-tax return of ~5.6% (at 30% slab), PPF significantly outperforms FDs on a post-tax basis.
From the 7th financial year, you can withdraw up to 50% of the balance at the end of the 4th year preceding the withdrawal year. Maximum one withdrawal per year. This provides liquidity for emergencies while keeping the bulk invested. Full closure before 15 years is not allowed (except in death of account holder, or for medical/educational reasons after 5 years).
PPF: 7.1% guaranteed, EEE, 15-year lock-in, no employer contribution. EPF: 8.25% with employer match, EEE for most, mandatory for salaried. NPS: market-linked (8-12% historical), 60% taxable at maturity, flexible, extra 80CCD deduction. For guaranteed safe returns + full tax-free status, PPF wins. For higher potential returns, NPS Tier-1.
PPF interest is calculated on the minimum balance between the 5th and last day of each calendar month. This means deposits before the 5th of a month earn interest for that month. Deposits after the 5th earn interest only from the next month. Strategy: always invest before the 5th of April each year to maximise interest for the full year.
The PPF interest rate for Q1 FY 2025-26 (April–June 2025) is 7.1% per annum, declared by the Government of India. The rate has been stable at 7.1% since April 2020. The government reviews and announces the rate quarterly, though changes have been infrequent in recent years.
The minimum annual investment in PPF is ₹500 and the maximum is ₹1,50,000 (₹1.5 lakh). Investment can be made in a lump sum or up to 12 installments per year. Contributions above ₹1.5L per year are not allowed and do not earn interest.
PPF has a mandatory lock-in of 15 years from the year of account opening. After 15 years, you can extend in blocks of 5 years — either with or without additional contributions. Partial withdrawal is allowed from the 7th year under specific conditions.
Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: (1) Investment qualifies for 80C deduction up to ₹1.5L/year, (2) Interest earned is fully tax-free, (3) Maturity proceeds are completely tax-free. This makes PPF one of the most tax-efficient guaranteed-return investments in India.
No. NRIs are not allowed to open a new PPF account. However, if you opened a PPF account as a resident Indian and later become an NRI, you can continue the account until its maturity at 15 years (but cannot extend it further). NRIs cannot make fresh contributions after changing status.
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All calculations are based on Income Tax Act provisions for FY 2025-26. Figures are estimates — consult a Chartered Accountant for personalised tax advice.