Investments & Returns
PPF Calculator
Quick answer: The FinTax24 Public Provident Fund (PPF) Calculator computes annual contribution, interest compounded annually (currently 7.1% p.a. notified by the Ministry of Finance each quarter) and 15-year maturity value. It also handles partial withdrawals from year 7, loan against PPF from year 3 and Section 80C tax-deductible status up to ₹1.5 lakh annually under the EEE regime.
PPF Calculator
Project the PPF corpus with annual contributions and tax-free interest.
2 Results
Results are ready but hidden
Click Calculate on the left to reveal the breakdown.
Disclaimer: Results are for indicative purposes only and may vary based on actual rates, rules, and policies. Please consult a FinTax24 expert for binding advice.
How to use this calculator
Follow these 4 steps for an accurate result.
- 1
Enter annual contribution
Type the yearly PPF deposit (capped at ₹1.5 lakh under Section 80C).
- 2
Enter rate and tenure
Type current PPF rate (e.g., 7.1%) and tenure in years (15 standard).
- 3
Pick deposit frequency
Choose lump-sum once-a-year, monthly or quarterly deposit modes.
- 4
Read maturity
Calculator shows year-by-year corpus, Section 80C value and eligible withdrawal / loan amount.
Key takeaways
- PPF interest rate is currently 7.1% per annum, compounded annually (Q3 FY26 notified rate).
- Section 80C deduction up to ₹1.5 lakh, fully EEE — invested, interest and maturity exempt.
- Lock-in 15 years; partial withdrawal from year 7; loan against PPF from year 3.
- Surfaces year-by-year corpus, eligible withdrawal amount and loan eligibility projection.
Frequently asked questions
Quick answers to common questions about ppf calculator.
What is the PPF interest rate?
The PPF rate is notified by the Ministry of Finance each quarter — currently 7.1% per annum (Q3 FY 2025-26). Historical rates ranged 7.1% to 8.7% across years. The rate is revised quarterly and is not guaranteed for the entire 15-year tenure.
Is PPF tax-free?
Yes — PPF is fully EEE (Exempt-Exempt-Exempt). Section 80C deduction up to ₹1.5 lakh/year on the deposit, interest is exempt from tax, and maturity is also exempt. This makes PPF one of the highest tax-efficient retirement saving instruments in India.
Can I extend PPF after 15 years?
Yes — PPF can be extended in blocks of 5 years indefinitely. Subscriber must apply in Form-H within 1 year of maturity. After extension, contributions and withdrawal rules apply per the Extension Form choice (with or without further deposit).
How is partial withdrawal from PPF calculated?
From year 7 (financial year basis), partial withdrawal allowed up to 50% of the balance at the end of the 4th preceding year (or 60% of the corpus without deposit in extended block). Calculator surfaces year-wise eligible withdrawal amount.
Is loan available against PPF?
Yes — from year 3 to year 6, subscriber can take a loan up to 25% of the balance at the end of the 2nd preceding year. Loan interest is 2% above PPF deposit rate, repayable in 36 months. Calculator surfaces the loan eligibility per year.
Can NRIs open PPF?
No fresh PPF accounts can be opened by NRIs. Existing PPF accounts opened while resident can be continued until maturity — interest keeps accruing. On maturity, the corpus is repatriable to NRE / FCNR account per RBI / FEMA guidelines.
Sources & authority: For regulations on ppf calculator, refer to gst.gov.in, mca.gov.in, incometax.gov.in, rbi.org.in, Ministry of Finance — PPF scheme, PPF Act 1968 (latest amendment), Section 80C — PPF deduction.
Last reviewed by: FinTax24 Wealth Desk · Reviewed on:
Related investments & returns
Other calculators in our Investments & Returns suite you may find useful.
- SIP CalculatorCompute SIP future value, wealth gained and CAGR for any tenure and return assumption.View calculator →
- FD CalculatorCompute FD maturity value, interest earned and TDS for any tenure and rate.View calculator →
- RD (Recurring Deposit) CalculatorCompute RD maturity value, monthly contribution and total interest for any tenure.View calculator →
- Lumpsum Investment CalculatorCompute future value of a lumpsum investment with CAGR and time-weighted return.View calculator →
- Mutual Fund Returns CalculatorCompute mutual fund returns for lumpsum and SIP across equity, debt and hybrid categories.View calculator →
- Step-Up SIP CalculatorCompute Step-Up SIP future value with annual contribution increase — outpaces flat SIPs.View calculator →
Need help with ppf calculator?
Our experts can verify the numbers, plan the next steps, and file on your behalf.