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Minimum 15 years
Public Provident Fund (PPF) is a long-term savings scheme offered by the government, designed to encourage savings for retirement. Our PPF calculator helps you estimate your PPF maturity amount, total contributions, and interest earnings, making retirement planning more effective and informed.
Enter your yearly investment amount, time period (minimum 15 years), and current interest rate. The calculator shows your total investment, interest earned, and maturity amount with monthly compounding calculations.
PPF interest rates are declared quarterly and compounded annually. The rates are market-linked but provide stable returns. Historical rates have been attractive compared to traditional savings options, making PPF a reliable retirement planning tool.
Start early to benefit from compounding, invest maximum allowed amount annually, consider extending beyond 15 years for continued tax benefits, and use the loan facility wisely. PPF is ideal for conservative investors seeking guaranteed returns with tax advantages.
Minimum annual contribution is ₹500, maximum is ₹1.5 lakh. Contributions can be made in lump sum or installments.
Partial withdrawals are allowed from 7th year onwards, subject to limits. Full withdrawal is possible after 15 years.
No, PPF interest is completely tax-free. Additionally, contributions qualify for tax deduction under Section 80C.