---
title: PPF Calculator
canonical_url: https://sanchaykaro.com/ppf-calculator/
last_updated: 2026-04-16T11:32:20+00:00
plugin_version: 1.2.1
---

# PPF Calculator

PPF Calculator | Public Provident Fund | Mobile Responsive | SanchayKaro.com      ELSS Tax Saving Calculator PPF Calculator: Secure, Tax-Free, Government-Backed Returns | Section 80C Calculate Your PPF  Yearly Investment (₹)  ₹50,000  Investment Period (Years)  15 years  PPF Interest Rate (%)  7.1%  Calculate  Reset PPF Maturity Results Total Investment₹0 Total Interest Earned₹0 Maturity Value (Corpus)₹0 Yearly Growth ###  Top 10 PPF FAQs

 **1. What is PPF and how does the PPF calculator work?**PPF (Public Provident Fund) is a government-backed, long-term savings scheme with tax-free returns under Section 80C. The PPF calculator uses compound interest formula to compute maturity value based on yearly deposits, interest rate, and tenure.

 **2. Is PPF interest taxable?**No. PPF follows EEE (Exempt-Exempt-Exempt) status. Investment qualifies for 80C deduction, interest earned is tax-free, and maturity amount is also tax-free.

 **3. What is the current PPF interest rate?**The current PPF interest rate (Q4 2024-25) is 7.1% per annum, compounded annually. Rates are revised quarterly by the government.

 **4. What is the lock-in period for PPF?**PPF has a mandatory lock-in period of 15 years. After that, you can extend in blocks of 5 years indefinitely with or without further contributions.

 **5. Can I withdraw PPF before 15 years?**Partial withdrawal is allowed from the 7th financial year. Premature closure is permitted only for specific reasons like medical emergency or higher education.

 **6. What is the minimum and maximum deposit in PPF?**Minimum deposit is ₹500 per financial year; maximum is ₹1.5 lakh per year. You can deposit in lump sum or monthly installments.

 **7. How to use PPF calculator for retirement planning?**Enter your yearly investment, expected rate of return (historical 7-8%), and years till retirement. The calculator shows maturity corpus. For ₹1.5L/year for 30 years @7.1%, maturity ≈ ₹1.5 Cr.

 **8. Is PPF better than FD or [mutual funds](https://apirrabbit.com/api/v1/master/LandingPage?arn=ARN-301757 "mutual funds")?**PPF offers sovereign guarantee and tax-free returns but lower liquidity. For risk-free, tax-saving long-term goals, PPF is excellent. For higher returns, consider ELSS or equity funds.

 **9. Can NRIs invest in PPF?**NRIs are not allowed to open new PPF accounts. However, existing accounts opened while being a resident Indian can continue till maturity.

 **10. How accurate is this PPF calculator?**Our calculator uses the exact PPF compounding formula (yearly interest addition). It provides close estimates; actual returns may vary slightly based on government rate changes.

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