What is the lock-in period for PPF?

PPF has a strict lock-in period of 15 full financial years. However, partial withdrawals are permitted under specific conditions from the 7th financial year onwards.

Can I continue my PPF account after 15 years?

Yes! You can extend your PPF account indefinitely in blocks of 5 years. You can choose to extend it 'with contributions' (keep depositing money) or 'without contributions' (let the corpus sit and earn tax-free interest).

What are the minimum and maximum investment limits?

You must invest a minimum of ₹500 in a financial year to keep the account active. The maximum amount you can deposit in a financial year is ₹1,50,000.

Can I take a loan against my PPF account?

Yes, you can take a loan against your PPF balance between the 3rd and 6th financial year of opening the account. The interest rate is typically 1% above the prevailing PPF rate.

What happens to PPF if I become an NRI?

If your residential status changes to NRI during the 15-year tenure, you can continue the account until maturity on a non-repatriation basis, but you cannot extend it further.

Numeraise

All Calculators Savings & Fixed ReturnsPPF Calculator

Regional Notice: This calculator uses India's financial regulations, but you are viewing it in USD. for the most accurate local experience.

PPF Calculator

Savings & Fixed Returns

Yearly Investment

Time Period (Min 15)

Results

Calculation Results

Your computed breakdown

Maturity Amount

$49.0K

Total Invested

$27.1K

Total Interest

$21.9K

Visual Breakdown

What is a Public Provident Fund (PPF) Calculator?

A PPF Calculator helps Indian citizens estimate the maturity value of their investments in the Public Provident Fund scheme. PPF is a highly secure, long-term savings vehicle backed by the Government of India that offers guaranteed returns and supreme tax benefits.

How is PPF Interest Calculated?

The PPF interest rate is declared by the Ministry of Finance every quarter. Interest is calculated on a monthly basis on the lowest balance between the 5th and the end of the month. However, this interest is only credited to your account once a year at the end of the financial year (March 31st).

The 'Invest Before the 5th' Rule

Always deposit your PPF contribution before the 5th of the month. If you deposit on the 6th, you lose the interest for that entire month!

The PPF Mathematical Formula

The maturity value of a PPF account is calculated using the following compound interest formula:

F = P × [((1 + R)^N - 1) / R]

Where F = Maturity Value, P = Annual Deposit, R = Annual Interest Rate, and N = Number of Years.

The EEE Tax Status

PPF is one of the few investment instruments in India that enjoys the coveted "Exempt-Exempt-Exempt" (EEE) status:

Exempt 1 (Investment): Your annual deposit (up to ₹1.5 Lakhs) is fully tax-deductible under Section 80C.
Exempt 2 (Accumulation): The interest you earn every year is completely tax-free.
Exempt 3 (Maturity): The massive lump sum you withdraw after 15 years is 100% exempt fromincome tax.

Frequently Asked Questions

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