PPF Calculator

PPF Calculator Inputs
Contribution vs Interest

What is PPF (Public Provident Fund)?

The Public Provident Fund (PPF) is a government-backed savings scheme in India, ideal for long-term wealth creation. With a 15-year lock-in period, PPF offers tax benefits, guaranteed returns, and high safety, making it a popular choice for risk-averse investors.

Key Features of PPF

Tax Advantages

Enjoy an EET (Exempt-Exempt-Exempt) structure under Section 80C.

High Security

Fully backed by the government, ensuring zero risk.

Long Tenure

15-year minimum, extendable in 5-year blocks.

Investment Limits

₹500 minimum to ₹1.5 lakh maximum per year.

PPF FAQs

Yes, extend PPF indefinitely in 5-year blocks with continued interest earnings.

Yes, from the 7th year, withdraw up to 50% of the balance from the 4th preceding year-end.

Interest compounds annually, credited on March 31st, based on the lowest balance between the 5th and last day of each month.

NRIs can’t open new PPF accounts but can maintain existing ones until maturity, without extensions.

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