PPF Calculator
Calculate returns on Public Provident Fund (PPF) investments
PPF Investment Details
₹
Min: ₹500, Max: ₹1,50,000 per year
PPF available for individuals aged 18-65
Current PPF rate: 7.1% (as of 2024)
Lump sum at year start gives maximum returns
PPF Key Features
- • 15-year lock-in period
- • Tax-free returns (EEE status)
- • Loan facility after 6 years
- • Partial withdrawal after 7 years
- • Extension in blocks of 5 years
Enter your investment details to calculate PPF returns
PPF Benefits & Features
Triple Tax Benefit (EEE)
- • Investment deduction under Section 80C
- • Tax-free interest accumulation
- • Tax-free maturity proceeds
Loan & Withdrawal
- • Loan up to 25% after 6 years (at 6% interest)
- • Partial withdrawal after 7 years (up to 50%)
- • Medical emergency withdrawals allowed
Extension Options
- • Extend in blocks of 5 years after maturity
- • Continue earning interest without contributions
- • Or continue with contributions
PPF Rules & Limits
Investment Limits
Minimum: ₹500 per year
Maximum: ₹1,50,000 per year
Can invest monthly or lump sum
Interest Rate
Current: 7.1% per annum
Compounded annually
Rate reviewed quarterly by government
Account Rules
Only one account per person
Parents can open for minors
Nominee facility available
Premature Closure
Allowed after 5 years in exceptional cases
Interest rate reduced by 1%
Tax benefits may be reversed
Historical PPF Interest Rates
| Year | Interest Rate | Year | Interest Rate |
|---|---|---|---|
| 2024 | 7.1% | 2020 | 7.1% |
| 2023 | 7.1% | 2019 | 7.9% |
| 2022 | 7.1% | 2018 | 7.6% |
| 2021 | 7.1% | 2017 | 7.8% |