PPF Calculator
Calculate your Public Provident Fund (PPF) maturity corpus, interest earned, and tax-free returns.
Recurring Savings Calculator
Calculate how a fixed annual contribution grows at a guaranteed interest rate (e.g. PPF, NSC, government bonds)
Summary
Interest rate: 7.1% p.a., compounded annually
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Key Rules of Public Provident Fund (PPF)
The Public Provident Fund is a government-backed, long-term savings scheme designed to offer guaranteed, sovereign returns with maximum tax advantages.
Minimum & Maximum Deposit
Min ₹500/year, Max ₹1.5 Lakh/year in lump sum or up to 12 installments.
Lock-in Period
15-year maturity lock-in. Can be extended in blocks of 5 years indefinitely with or without contribution.
Interest Calculation Rule
Calculated monthly on the minimum balance between the 5th and the last day of each month, credited March 31st.
Loan & Partial Withdrawal
Loan available from Year 3 to Year 6. Partial withdrawals permitted from Year 7 onwards.
Frequently Asked Questions
When is the best date to deposit money into a PPF account?
Always deposit on or before the 5th of the month. Since PPF interest is calculated on the lowest balance between the 5th and the end of the month, depositing before the 5th ensures you earn interest for that entire month.
Can an NRI open a new PPF account?
No, Non-Resident Indians (NRIs) cannot open a new PPF account. However, if an account was opened while a resident, it can continue until the 15-year maturity on a non-repatriable basis.