PPF Calculator

    Calculate returns on your Public Provident Fund (PPF) investment.

    Input Details

    ₹
    Yr
    %

    Result

    Invested Amount₹0
    Total Interest₹0
    Maturity Amount₹0

    What is PPF Calculator?

    A PPF (Public Provident Fund) Calculator helps you estimate the maturity amount and interest earned on your PPF investment. PPF is a long-term savings scheme offered by the Government of India that provides tax benefits under Section 80C and offers tax-free returns, making it one of the most popular investment options in India.

    Our PPF Calculator calculates the future value of your annual PPF contributions considering the current interest rate, which is compounded annually. It shows you the total amount invested, total interest earned, and the maturity amount you'll receive at the end of the investment period.

    Key Features of PPF

    • Lock-in Period: 15 years (can be extended in blocks of 5 years)
    • Minimum Investment: ₹500 per year
    • Maximum Investment: ₹1.5 lakh per year
    • Tax Benefits: Contributions eligible for deduction under Section 80C up to ₹1.5 lakh
    • Tax-Free Returns: Interest earned and maturity amount are completely tax-free
    • Interest Rate: Set by the government quarterly (currently around 7.1% p.a.)

    Advantages of Using Braihn's PPF Calculator

    • ✓
      Accurate Maturity Calculation

      Get precise estimates of your PPF maturity amount using the correct annual compounding formula.

    • ✓
      Visual Investment Breakdown

      See a clear breakdown of invested amount vs interest earned through interactive charts.

    • ✓
      Tax Planning Tool

      Plan your PPF investments to maximize tax benefits under Section 80C while building long-term wealth.

    • ✓
      Goal-Based Planning

      Calculate how much you need to invest annually to achieve your financial goals with PPF.

    • ✓
      Free Retirement Planning

      Plan your retirement corpus with PPF - a safe, government-backed investment with guaranteed returns.

    Frequently Asked Questions

    What is the current PPF interest rate?

    The PPF interest rate is set by the government quarterly. As of 2024, it's around 7.1% per annum. The rate is reviewed every quarter and announced by the Ministry of Finance.

    Can I withdraw money from PPF before 15 years?

    Partial withdrawals are allowed from the 7th year onwards, subject to certain conditions. You can withdraw up to 50% of the balance at the end of the 4th year preceding the year of withdrawal or the balance at the end of the preceding year, whichever is lower.

    Is PPF better than FD for tax savings?

    PPF offers triple tax benefits (deduction on contribution, tax-free interest, tax-free maturity) while FD interest is taxable. PPF also typically offers higher interest rates than FDs, making it better for long-term tax-saving investments.

    Can I extend my PPF account after 15 years?

    Yes, you can extend your PPF account in blocks of 5 years indefinitely. You can continue making contributions during the extended period and enjoy tax benefits.

    What happens if I don't invest the minimum amount in a year?

    If you don't invest the minimum ₹500 in a year, your PPF account becomes inactive. You'll need to pay a penalty of ₹50 per year of default plus the minimum investment amount to reactivate it.

    Need Help with PPF Investment Planning?

    Connect with verified financial advisors on Braihn who can help you with PPF planning, tax-saving investments, and all your investment-related queries.

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