🛡️ PPF Calculator

Calculate Public Provident Fund interest growth with government guaranteed tax-free returns schedule.

Yearly Investment Amount (₹)

Current Interest Rate (% p.a.)

Tenure Period (Years)

Total Deposit: ₹0

Total Interest Earned: ₹0

Maturity Amount (Tax Free): ₹0

PPF Growth Breakdown

📅 Year-by-Year PPF Balance Schedule

Year	Opening Balance	Deposit	Interest Earned	Closing Balance

What is Public Provident Fund (PPF)?

PPF is a popular long-term, government-backed savings scheme in India that offers guaranteed returns, sovereign safety, and triple tax benefit (EEE category - Exempt on Deposit, Interest, and Withdrawal).

Frequently Asked Questions

1. What is the minimum and maximum limit for PPF deposit?

The minimum deposit required is ₹500 per financial year, and the maximum allowed deposit limit is ₹1,500,000 per year.

2. How is PPF interest calculated?

PPF interest is calculated monthly on the lowest balance between the 5th and the end of the month, but credited annually on March 31st.

3. What is the lock-in period for PPF?

PPF has a mandatory lock-in period of 15 years. Post maturity, it can be extended in blocks of 5 years indefinitely.

4. Are PPF returns completely tax-free?

Yes, PPF falls under the Exempt-Exempt-Exempt (EEE) status, making deposits tax-deductible under 80C and interest earned completely tax-free.

5. Can I take a loan against my PPF account?

Yes, loans against PPF balance can be availed from the 3rd financial year up to the 6th financial year of opening the account.