Tax-Free Guaranteed Savings
PPF Calculator
Calculate your maturity wealth, total interest earned, and Section 80C tax benefits under Public Provident Fund rules.
₹1,50,000
₹500 (Min)₹1,50,000 (Max 80C Limit)
15 Years
15 Yrs (Base Lock-in)50 Yrs (With 5-Yr Extensions)
7.1%
Maturity Breakdown
Expected Maturity Amount
₹40,68,209
Total Investment (15 Yrs)₹22,50,000
Total Guaranteed Interest+₹18,18,209
Lock-In Tenure15 Years
💡 EEE Tax Exemption: Deposits qualify for Sec 80C deductions, and all accrued interest + maturity corpus are 100% tax-free.
How Public Provident Fund (PPF) Works
The Public Provident Fund is a government-backed, long-term savings scheme offering guaranteed interest rates and complete tax exemption under the EEE (Exempt-Exempt-Exempt) framework.
Key Rules to Maximize PPF Returns:
- Rule of the 5th: Deposit money on or before the 5th of every month to earn interest for that full calendar month.
- Compounding Schedule: Interest is calculated monthly on the lowest balance between the 5th and the end of the month, but credited annually on March 31st.
- Account Extension: After the mandatory 15-year tenure, you can extend your PPF account indefinitely in blocks of 5 years, with or without making fresh contributions.