PPF Calculator — Public Provident Fund Calculator 2024-25
Calculate PPF maturity value with year-wise breakdown. Current PPF interest rate: 7.1%. See total interest earned, tax savings under Section 80C, and EEE tax benefit.
PPF Calculator
Public Provident Fund maturity calculator
Monthly: ₹12,500
Quick select:
Can extend in blocks of 5 years after 15 years
Current rate: 7.1% (Q4 FY 2024-25)
Enter 0 if opening new PPF account
PPF Maturity Value
Maturity Amount
₹40,68,209
After 15 years | Tax-Free
Total Invested
₹22,50,000
Total Interest
₹18,18,209
Wealth Gained
₹18,18,209
Annual Tax Saving
₹45,000
at 30% slab
Investment vs Interest
EEE Tax Status — Triple Exempt
Exempt on Investment
Section 80C deduction up to ₹1.5L
Exempt on Interest
Interest earned is completely tax-free
Exempt on Maturity
Maturity amount is 100% tax-free
Year-wise PPF Growth
PPF (Public Provident Fund) — Complete Guide
PPF (Public Provident Fund) is a government-backed, long-term savings scheme that offers guaranteed returns with complete tax exemption. It has a 15-year lock-in period and enjoys EEE (Exempt-Exempt-Exempt) tax status.
PPF Key Features
| Interest Rate | 7.1% p.a. (Q4 FY 2024-25), compounded annually |
| Lock-in Period | 15 years (extendable in 5-year blocks) |
| Min Deposit | ₹500 per year |
| Max Deposit | ₹1,50,000 per year |
| Tax Benefit | EEE — Section 80C deduction, tax-free interest and maturity |
| Loan Against PPF | From 3rd to 6th year, up to 25% of balance |
| Partial Withdrawal | From 7th year, up to 50% of balance |
PPF vs ELSS vs FD
- PPF: Risk-free, 7.1%, 15-year lock-in, EEE tax. Best for conservative long-term savings.
- ELSS: Market-linked, 10-15% historical, 3-year lock-in, LTCG tax above ₹1L. Best for aggressive investors.
- Tax-saving FD: 6.5-7.5%, 5-year lock-in, interest fully taxable. Best for short lock-in preference.
Pro Tips for PPF
- Deposit before the 5th of every month to maximize interest (interest calculated on lowest balance between 5th and end of month).
- Invest in lump sum before April 5th to earn interest for the full year.
- PPF can be opened at post offices and most banks (SBI, HDFC, ICICI, etc.).
- One person can have only one PPF account. A second account is irregular.
Need Help with Your Business?
Get expert assistance for company registration, tax filing, and compliance.
- Free Expert Consultation
- 100% Online Process
- Transparent Pricing
- Dedicated Support Manager
Get Expert Consultation
Get expert guidance • Callback in 30 minutes