INVESTIK FUTURE PPF CALCULATOR
Public Provident Fund — Tax-Free Wealth Builder
Live Calculator
Calculate your PPF maturity amount with tax-free returns guaranteed by Government of India
PPF Parameters
Yearly Investment (₹)
₹50,000
₹
ℹ️ Max limit: ₹1,50,000 per year as per PPF rules
Interest Rate (% p.a.)
7.1% p.a.
%
ℹ️ Current govt. rate: 7.1% p.a. (Q1 2024-25)
Investment Duration (Years)
15 Years
Y
ℹ️ Minimum lock-in: 15 Years (extendable in 5-yr blocks)
Portfolio Split
0%
Interest
Invested
Interest
Maturity Summary
Total Invested
₹0
Interest Earned
₹0
Maturity Value
₹0
✅ 100% Tax-Free under EEE Status — No tax on returns!
Year-wise Growth Visualization
Invested
Interest
Year-wise PPF Projection
| Year | Invested | Interest | Balance |
|---|
📚 PPF Knowledge Hub
Everything you need to know about Public Provident Fund — made simple & fun!
🏦 What is PPF (Public Provident Fund)?
PPF is a long-term savings scheme backed by the Government of India. It offers guaranteed returns, complete tax exemption, and is one of the safest investment options available. Think of it as your personal tax-free piggy bank — but with compounding superpowers! 🚀
🔒
Lock-in Period
15 Years
Minimum 15-year lock-in. Can extend in blocks of 5 years with or without contributions after maturity.
💸
Yearly Limit
₹500 – ₹1.5L
Minimum ₹500 and maximum ₹1,50,000 can be deposited per financial year in a PPF account.
📈
Interest Rate
7.1% p.a.
Current rate is 7.1% per annum, compounded annually. Rate is reviewed quarterly by the Government.
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Safety
100% Safe
Sovereign guarantee by Govt. of India. PPF cannot be attached by court orders (except IT dept). Zero risk!
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Loan Facility
Year 3–6
You can take a loan against your PPF balance from the 3rd to 6th financial year at just 1% extra interest.
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Partial Withdrawal
From Year 7
Partial withdrawals allowed from the 7th year. Up to 50% of the balance at the end of 4th year or preceding year (whichever is lower).
EEE
Tax Status
🎉 Triple Tax Exemption — EEE Status!
PPF enjoys the most powerful tax status in India — Exempt-Exempt-Exempt (EEE). This means you save tax at three levels, making PPF one of the most tax-efficient investments available to Indian investors.
✅ Invest: 80C Deduction up to ₹1.5L
✅ Interest: 100% Tax-Free
✅ Maturity: Completely Tax-Free
💡 Smart PPF Investment Tips
📅
Invest before 5th of April — PPF interest is calculated on the lowest balance between 5th and last day of each month. Investing before 5th April earns you interest for the full year!
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Invest the maximum ₹1.5 lakh — Maximise your 80C deduction and earn the highest possible tax-free interest every year.
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Don't close after 15 years — Extend your PPF in 5-year blocks. The power of compounding grows exponentially in later years — your money works harder!
👨👩👧
Open accounts for minor children — You can open a PPF account in the name of a minor child. Their ₹1.5L limit is combined with yours though.
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Where to open? — Open at any Post Office, SBI, or major nationalized banks. Online PPF accounts are also available through net banking — super convenient!
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Don't miss a year! — Deposit at least ₹500 every financial year. Missing a year makes your account inactive. You'll need to pay ₹50 penalty per missed year to reactivate.
❓ Frequently Asked Questions
Can NRIs invest in PPF?
No. NRIs cannot open a new PPF account. However, if you had a PPF account before becoming an NRI, you can continue it until maturity at the post office savings bank interest rate.
Can I have multiple PPF accounts?
No. Only one PPF account is allowed per individual. If you mistakenly open a second account, it will not earn any interest and the amount will be refunded without interest.
What happens after 15 years?
You have 3 options: (1) Close and withdraw the full amount tax-free, (2) Extend with contributions in 5-year blocks, or (3) Extend without contributions — balance earns interest with free withdrawal anytime.
Is PPF better than FD (Fixed Deposit)?
For long-term goals, PPF wins hands down. PPF interest is fully tax-free while FD interest is taxable as per your income slab. After tax, PPF's effective return is significantly higher for people in higher tax brackets.
Can PPF be used as emergency fund?
Not ideally — due to the 15-year lock-in. However, partial withdrawals (from year 7) and loan facility (year 3-6) can help in emergencies. It's better to maintain a separate liquid emergency fund.