Post Office Public Provident Fund (PPF) Calculator

Calculate returns for PPF with monthly investment. Plan your retirement with India's most trusted tax-free savings scheme.

Calculate PPF Maturity

Enter Investment Details

Selected Scheme

Monthly Investment (₹)Max ₹12,500/month (Total ₹1.5L/Year).

Current Interest Rate

Duration

About Public Provident Fund (PPF)

PPF is a safe, government-backed long-term savings scheme offering tax-free returns, making it one of the most popular investment instruments in India for retirement planning and wealth creation.

Eligibility & Key Rules

Who Can Open?	Any Indian resident individual
Minor Account	Guardian can open on behalf of minor
Max Accounts	Only 1 PPF account per person
Minimum Deposit	₹500 per year
Maximum Deposit	₹1,50,000 per year (₹12,500/month)
Interest Rate	7.1% p.a. (subject to quarterly revision)
Lock-in Period	15 Years (extendable in 5-year blocks)

Tax Benefits (EEE)

PPF enjoys EEE (Exempt-Exempt-Exempt) tax status under the Income Tax Act:

Investment: Deduction up to ₹1.5 Lakh per year under Sec 80C.
Interest: Fully tax-free as it accrues every year.
Maturity: The entire maturity amount is completely tax-free.

Key Features

Loan Facility: Loan available from 3rd to 6th year against PPF balance.
Partial Withdrawal: Allowed from the 7th year onwards (once per year).
Extension: After 15 years, account can be extended in 5-year blocks.
Interest Calculation: Calculated on lowest balance between 5th and last day of each month.
Safe Investment: Backed by the Government of India — zero risk.

Example Calculation (₹5,000/month at 7.1%)

Monthly Deposit	₹5,000
Total Invested (15 yrs)	₹9,00,000
Maturity Value (15 yrs)	≈ ₹16,27,284
Total Interest Earned	≈ ₹7,27,284

* Calculations are based on the current interest rate of 7.1% p.a. Actual returns may vary as the government revises rates quarterly. Interest is assumed to be credited annually at year end.